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Fire & Water - Cleanup & Restoration

Is Mold Cleanup Covered by Commercial Insurance?

7/26/2019 (Permalink)

Man holding bucket to catch rain leaking from ceiling Mold growth due to storm related water damage

If you've discovered mold at your Marble Hill, GA, commercial property, one of your first concerns was likely whether or not the cleanup process will be covered by your commercial insurance policy. The short answer is "maybe," and it likely depends on the root of the problem.

Types of Mold Damage That Are Often Covered

If the mold growth in your building was caused by an accident, the odds are higher that your insurance company will cover all or part of the cost of cleanup by experienced mold removal specialists. "Accidents" often refers to unforeseeable events such as the following:

  • Broken supply lines
  • Frozen or suddenly burst pipes
  • Storm-related water damage

In short, if you and your staff couldn't possibly have prevented the water or moisture influx that caused the mold, its removal may be covered by your commercial insurance policy.

Types of Mold Damage That Aren't Likely To Be Covered

If you're experiencing mold growth due to a structural issue with your commercial property that could've been averted or that is due to a lack of attention, the removal of that mold is unlikely to be covered by any form of mold insurance. "Preventable events" often refers to issues such as the following:

  • Pipes that leak over time
  • Tiles, shingles, flashing and other parts of the roof that exhibited visible signs of wear and tear
  • Seepage as a result of cracks in the foundation or other areas of the building's exterior
  • Past repairs that were performed incorrectly

If mold was able to take hold because of a longstanding issue — even if you had no knowledge that your roof was deteriorating because you never go up there, for example — the odds of your insurance company covering the cost of that mold's remediation are very low.

Ultimately, mold coverage depends on a variety of factors. In fact, some commercial insurance policies may let you buy coverage specifically for mold removal. It varies by state. The bottom line, however, is that the best way to find out what's covered and what's not is to contact your insurer.

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