Use your mind’s eye to picture a scenario in which your part of town is besieged with torrential rain causing roof and other leaks at your home — some of which cause mold to grow on the soggy sheetrock. If you have a homeowner’s insurance policy that provides coverage for water damage, you should be entitled to coverage for all of your water damage, including the replacement of the wet and now moldy sheetrock.
However, a common misconception exists — one insurance companies do little to dispel — that mold damage stemming from these types of water leaks are not covered by the homeowner’s insurance policy.
If your insurance company denies your claim stating the mold damage is not covered, you should definitely seek help from our experienced coverage attorneys.
Of course, the particulars of any claim will depend upon the specific facts and circumstances of the loss and damage, as well as on the specific language of your insurance policy, but in our experience, we are usually able to find legitimate arguments in favor of you getting the coverage for which you paid.
Your homeowner’s insurance should cover the cost of all the water damage including the mold problems resulting from leaks. This insurance policy should pay for the entire cost of all mold repairs and remediation related to the original water leak or another form of water exposure. The insurance company is also on the hook for third-party claims. This means if someone is injured on your property and files a lawsuit against you, the insurance provider is required to defend you.