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I know mold damage can be devastating to a home's value. What's covered?
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[Q] What provisions in a typical homeowners insurance policy will cover mold removal? Is a rider required?
[A] Mold, fungus, and dry or wet rot are generally only covered if it is the result of something that is a covered peril on your insurance policy. There is no rider that you need to purchase; mold provisions are standard on all policies. However, if mold starts to grow in your home because of improper or inadequate home maintenance, then the policy will not provide coverage.
There are many instances in which your policy will tackle mold issues. Let's say you are gone on vacation when a drain backs up, soaking your carpeting. By the time you discover the damage a week later, mold has started to grow. If your home policy has optional Sewer, Drain, and Sump Pump Coverage, MetLife Auto & Home would pay the costs to repair or replace the carpeting -- and, in the process, clean any mold -- up to the appropriate limit of insurance.
The presence of mold makes even the simplest situation complicated; coverages and limits vary from state to state. Talk to your agent for answers specific to your policy.
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