Neptune Mold Solutions

Who Pays for Mold Remediation? Insurance & Mold

The short answer is yes, but it depends on a few important details we’ll cover later in this article.

Many insurance providers cover the cost of mold remediation, but the extent of your coverage depends on your chosen provider, your home insurance policy, the amount of mold growth present, and the root cause of damage.

At Neptune Mold Solutions, we have over 15 years of experience helping homeowners like you navigate the mold removal process from start to finish. Our hands-on approach includes a free consultation with a licensed mold expert, written mold removal plans and protocols, and direct communication with your insurance provider about your case if needed.

Understanding who pays for mold remediation after discovering mold in your home can be stressful. Your first thought may be to call a professional or deal with it yourself. Before spending hours getting quotes from local remediation companies or self-proclaimed mold experts, use this guide to learn how the mold remediation process works and what damages your insurance provider may cover if removal is required.

when it comes to who pays for mold remediation, insurance can play a good role, checking with your insurance policy is the best way to go. neptune mold solutions can help with insurance claims

Mold Remediation Laws In Texas

TDLR (Texas Department of Licensing and Regulation) rules state, “the remediation of 25 contiguous feet or more of visible mold in residential properties with 10 or more units must be conducted by a licensed Mold Remediator”

To simplify, this means if the mold damage in your home exceeds 25 feet, you’ll most likely need to hire a professional mold remediation company to ensure the mold infested areas are removed properly and compliant with Texas law and regulations.

If the mold discovered in your home is under 25 contiguous feet, there may be cheaper mold removal alternatives without the involvement of a restoration company or your insurance provider.

For more information about this process and if these alternatives are right for you, call our office directly or click here to submit an online form to schedule a free consultation.

What Insurance Providers Think About Mold

Mold is a touchy subject for insurance providers, it’s too unpredictable and the level of damage varies case to case. In simple terms, insurance companies usually don’t cover mold repairs unless you select additional coverage for water damage related incidents when purchasing your plan. 

If your home insurance policy does cover these types of incidents, coverage is limited to a fixed amount ranging from $5,000-$10,000. Depending on the scope of work required to remove the mold successfully, this amount is nowhere near enough to cover the total cost of remediation. It’s not uncommon for homeowners to pay out of pocket for these repairs due to lack of coverage. 

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Basic Home Insurance Coverage

A basic home or renters insurance policy will cover these water-damage related incidents: 

Sudden and Accidental Damage

A sudden or accidental discharge of water that causes damage to your home. Broken or burst pipes, water heater malfunctions that result in water damage, or frozen pipes that leak are usually covered. These damages have to be proven accidental before receiving coverage.

Gradual Damage

Water damage caused by negligence or anything considered un-accidental will not be covered. This includes leaving the bathtub running and it overflows, natural disasters like floods, earthquakes, or any incident that could have been avoided.

Finding the Right Home Insurance Policy

There are two options we recommend learning about if you’re a Texas resident looking for additional coverage: 

Find The Right Insurance Provider

First, we recommend asking your current insurance provider if mold is covered in the policy you purchased. You may already be covered and not realize it. If you aren't, or if your current provider doesn't insure mold, find one that does without additional costs.

Water Damage Endorsement

Sometimes called a "policy rider" is a provision you can purchase to be included in your current home insurance policy that adds an extra layer of protection if any of these events occur. If mold is discovered after a water loss event and you have this endorsement, the cost of repair should be covered. However, the amount of coverage varies depending on who your provider is.

How Much Does Mold Remediation Cost?

In Houston, mold removal can cost you around $1,000 to $6,000 for small-scale projects, and upwards to $15,000-$20,000 for larger homes. The cost depends on the size of your home, what remediation company you hire, and the amount of work required to successfully remove the mold-infested areas. 

Keep in mind these are general estimates, the actual cost may vary depending on where you live, your insurance policy, and who does the remediation. We recommend talking to a licensed mold remediation expert to get quotes on your home. 

Although Neptune Mold Solutions holds an active MRC (Mold Remediation Contractor License), we do not solicit mold remediation services to our customers. Instead, we offer written mold remediation protocols and mold removal plans, moisture mapping, post-remediation consulting, clearance testing, and all mold inspection and testing related services. 

If mold removal is needed after we complete our inspection, we’ll recommend a mold remediation expert within our qualified network of affiliated partners. 

Frequently Asked Questions

Renters insurance covers mold-related damages if it was caused by a covered peril, which is an unforeseen event resulting in mold growth that damages your personal property. If you need help communicating these concerns to your apartment complex or landlord, schedule a free consultation to get started today. 

Allstate, Progressive, AAA claim to have mold coverage. We recommend calling yourself to get updated information about policies they have available.

If you find signs of mold growth in a recently purchased home, we recommend asking the seller to provide the water damage history of the property to determine if the issue started before you moved in. to verify these concerns, schedule a mold inspection by calling our office or submitting an online form here

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