PuroClean Home Emergency Services Mold, or microbial growth, is one of the most misunderstood and overlooked issues in property insurance. While it can pose serious health risks and cause structural damage, many homeowners and even insurance agents aren’t clear on when mold remediation is actually covered under a standard policy.
Mold Coverage Depends on the Cause
Most insurance policies do not cover mold outright. However, microbial growth may be covered if it results from a sudden and incidental event that’s already included in the policy—like a burst pipe, a water heater leak, or a roof damaged by a storm.
On the other hand, mold caused by ongoing leaks, high humidity, or poor maintenance is generally considered preventable—and usually not covered.
Typical Mold Coverage Limits
In many policies, microbial growth coverage is capped by a rider, often set at $5,000 or $10,000, depending on the insurance provider. These riders may need to be requested or added to a standard homeowners policy.
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Tip for Agents: Always check whether your client has a mold or biohazard rider in place. If not, they may be surprised during a claim.
Biohazard & Mold Are Separate
It’s important to note that microbial growth and biohazard remediation are often treated as separate from typical water or fire damage. They involve specialized cleaning and PPE (personal protective equipment), and that can affect what’s reimbursed. Find out more here.
What Homeowners Should Do
1. Report water damage immediately – Waiting could void coverage.
2. Keep good records – Take photos and document any visible mold.
3. Schedule an inspection – Professionals like PuroClean can assess the source and extent of damage.
4. Review your policy annually – Ask your agent directly about mold and biohazard riders.
When in Doubt, Ask
If you’re unsure whether mold is covered, reach out to your insurance provider or a certified mitigation expert. At PuroClean, we help homeowners and agents navigate these issues quickly and clearly.
Why Choose PuroClean?
At PuroClean, our mission extends beyond cleaning up water, fire, mold, or biohazard damage—we exist to close the communication gap between homeowners, insurance agents, and adjusters. We know that dealing with a property loss can be overwhelming for customers, especially when navigating the claims process. That’s why we make it a priority to bridge the gap between all parties involved.
From day one, we document damage clearly, explain the scope of work in plain language, and keep all stakeholders informed. Whether it’s providing agents with transparent updates or helping adjusters understand the urgency of a drying plan, our team ensures that nothing gets lost in translation.
Most homeowners are unsure of what their insurance actually covers. Our team takes time to help them understand their policy, including what may or may not be included. This helps prevent misunderstandings and sets realistic expectations from the start. We work with everyone involved to reduce delays and move restoration forward. Our goal is to build trust, provide clarity, and get people back into their homes as quickly and smoothly as possible.
Many policyholders are unsure what their insurance covers. We take time to educate them, helping set clear expectations so there are no surprises. This proactive communication builds trust—not just with the client, but with the agent and adjuster as well.
At PuroClean, we’re not just a cleanup company. We’re your partner in resolution. We help remove delays caused by miscommunication and push restoration forward efficiently and professionally. Our goal is to advocate for everyone’s best interest—getting the property restored, the claim paid fairly, and the homeowner back to normal.
Clear communication is key, and at PuroClean, it’s part of the service.
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