Is Mold Covered by Homeowners Insurance in Illinois?
Is mold covered by insurance? Learn when Illinois homeowners policies pay for mold removal, common exclusions, and how to document a claim. Free estimates, call (833) 659-0928.
Whether mold is covered by homeowners insurance depends almost entirely on what caused it. Insurers cover mold that results from a sudden, accidental event that is itself covered. They exclude mold caused by neglect, humidity or long-term leaks.
Usually covered
- Mold after a burst pipe or a failed water heater
- Mold after an appliance leak that was discovered promptly
- Mold that follows fire suppression water damage
- Mold from a storm-caused roof leak (with some carriers)
Usually not covered
- Mold caused by high humidity or poor ventilation
- Mold from a leak that went unaddressed for months
- Mold from ground water flooding (that is a flood insurance claim)
- Mold in a crawl space from long-term moisture
Mold coverage limits
Many Illinois policies cap mold remediation at a set dollar amount even when the cause is covered. Check your declarations page for a mold limitation endorsement. Some carriers offer higher limits for a small premium.
How to document a mold claim
- Photograph the damage and the source before anything is moved.
- Stop the water source and begin drying immediately. Delay is the number one reason claims are denied.
- Call a restoration company that provides moisture readings, photos and a written scope.
- Notify your carrier promptly.
Our water damage restoration and mold removal crews document every job for insurance and can bill your carrier directly when the claim is approved.
Need help now? Call (833) 659-0928 for 24/7 mold, water and fire damage restoration anywhere in Illinois, or find your city.