Does Insurance Cover Water Damage and Mold Costs?

Does Homeowners Insurance Cover Mold Costs?

Homeowners insurance does not cover mold. Water damage and mold remediation costs are expensive and often require professional help. Superstratum offers a new solution to protecting your home because most insurance does not cover mold remediation costs.


Water Damage and Mold

If you think your house is safe from water damage, think again. Over 5 million homeowners in the United States experience water damage annually.

The number of water damage claims has doubled since 2015, and they’re increasing every year. If your home has a basement, there’s a 98% likelihood of water damage.

Factors out of our control like flooding, sewer overflow, and plumbing leaks commonly lead to severe water damage. Given the likelihood of disaster, it’s essential to assess your house’s infrastructure and identify possible vulnerabilities. The areas most susceptible to water damage in your home are:


  • Basements
  • Bathrooms
  • Laundry rooms
  • Drywall
  • Interior walls
  • Laminate flooring
  • Hardwood floors
  • Carpets and rugs
  • Tile and grout
  • Water pipes, plumbing, and water heaters


Protecting your property from water damage is imperative to avoid expensive remediation. Check out these statistics that contextualize the severity of water damage in the United States:


  • Every day 14,000 homeowners experience water damage.
  • Homeowners pay an average of $2,582 for water damage repairs.
  • Annually, this costs homeowners $11.65 billion in damages.
  • $10,200 is the average insurance claim for water damage. (iProperty Management)
  • Water damage remediation estimates an average of $5.35 per square foot.
  • About 30% of annual insurance claims are from water damage.


The figures around water damage are astounding. Luckily homeowners insurance often covers water remediation, as long as your house, plumbing, and water heaters are regularly maintained. And when compared to the mold infestations that result in water-damaged buildings, water remediation is a cakewalk. As the insidious partner-in-crime to water damage, mold is perhaps the more significant issue. In this article, we’ll explore the reality of mold remediation to illuminate the importance of protecting your property from mold growth.


Mold Remediation Costs for Home and Health

Mold becomes visible in just 48 hours after water damage has occurred. Because it requires moisture to grow, mold always follows water damage.

Mold spreads alarmingly fast on building materials, including drywall, wood, and carpet, and leaves a trail of decomposed property in its wake. In the natural world, we depend on mold’s ability to decompose matter to regenerate new growth. But in the home, mold wreaks havoc

Mold contamination deserves to be taken seriously. An estimated 45 million homes in the United States contain unhealthy levels of mold. When left untreated, mold not only destroys property it can damage your health as well.

If you were overwhelmed by the water-damage statistics, prepare yourself. The costs of mold remediation are much more extreme than water-damage remediation alone.

Here are some points that illuminate the brass tax of mold contamination and its remediation:


  • Professional remediation bills are between $500 and $4,000 for more minor isolated incidents and between $10,000 and $30,000 in severe cases of mold.
  • The average mold remediation costs $10 to $25 per square foot (compared to the $5.35/sq. ft. for water remediation).
  • Additional fees are likely for homes where environmental factors, like moisture & humidity, contribute to mold growth.
  • 25% of the population has a genetic predisposition for mold illness that results from exposure to mold in water-damaged buildings.
  • The effects of mold illness range from severe respiratory conditions like asthma to chronic autoimmune dysfunction.
  • Because interacting with mold spores and mycotoxins is dangerous, FEMA recommends professional mold remediation for any mold infestation larger than 25 feet.
  • All DIY mold remediation requires the utmost caution and should never be performed without proper knowledge and equipment.


Given mold’s damaging effects, the best way to remedy an infestation is to prevent mold from growing in the first place.


Does Homeowners Insurance Cover Mold Costs? No

You’re probably thinking: “I don’t need to worry; this is why I pay for homeowners insurance!” But unfortunately, mold coverage isn’t guaranteed by homeowners insurance.

In case water damage occurs, familiarizing yourself with your insurance policy could significantly impact your preparedness.

Covering a mold infestation depends on two main factors:

  1. The ‘peril stipulations’ of your insurance plan.
  2. If your insurance representative determines ‘negligible maintenance’ as the cause.


A ‘peril’ is an event, like flooding, that causes damage to your home. Flooding and natural disasters, however, are perils that are typically not covered by standard homeowners insurance. So if you live in a coastal state of the United States where the most water damage due to hurricanes and rising sea levels occur, you’ll want to consider other insurance options and add-on policies.

When you file an insurance claim for a mold infestation, an insurance representative will evaluate the cause of your mold. The source of the mold determines whether it’s even considered for coverage. If the cause is labeled ‘negligible maintenance’ or the mold was preventable, it won’t be covered.

This negligible maintenance clause is tricky; mold infestations are often the result of water damage, yet the most common sources of water damage – flood, sewer back-up, leached groundwater, and pipe bursts – are all considered preventable sources of mold. As a result, receiving full coverage for mold contamination is about as rare as a unicorn sighting.

Regardless of the details, most homeowners insurance policies limit mold coverage between $2,500 and $5,000. That’s disappointing considering the mold remediation for significant structural damage costs between $10,000 to $30,000. To add insult to injury, mold damage insurance claims can lead to increased water bills, decreased property values and other financial consequences.

Superstratum Water Damage, Mold, and Insurance Costs Infographic

If you’re a victim of mold and find these figures devastating, always remember that your health and safety come first. Do not try to cover up or fix mold damage yourself. Mold infestations can be very toxic, and you should never skimp when it comes to professional mold remediation.

Fortunately, there is good news. Continue reading to learn about Superstratum’s new product for mold prevention that can save you from the extreme outcomes of water damage.


Superior Mold Remediation Spray

Superstratum Mold & Mildew Protectant defends your property from microbial growth, so even in the event of water damage, your home is safe from mold. One annual application of Superstratum protects your home from mold, mildew, and algae growth. Unlike homeowners insurance, Superstratum covers you whether disaster strikes or not. It could save you thousands of dollars in the event of water damage.

Superstratum is a superior mold remediation spray with the power of ‘smart polymers.’ What are smart polymers, you ask? They’re responsive polymers that perform different functions in response to their environment. When smart polymers are added to acrylic coatings, the coating becomes perceptive of its surroundings. This is the case with Superstratum Mold & Mildew Protectant.

Superstratum laminates surfaces with a water-resistant lacquer that prevents the growth of mold, mildew, and bacteria. Smart polymers infuse Superstratum’s EPA-registered antimicrobials with intelligence, so they’re able to adapt to different stimuli. So humidity, water and abrasion – the elements that remove other antimicrobial treatments – only empower Superstratum’s effect; when Superstratum-treated surfaces are exposed to these harsh factors, the smart polymer coating opens and releases powerful antimicrobials that prohibit mold growth.

With innovative polymer technology, Superstratum is impressively durable clean and protection. Superstratum Mold and Mildew Protectant can bind to any indoor or outdoor surface, including walls, floors, roofs, and siding. Superstratum protects high-trafficked surfaces for at least one year and lasts in undisturbed areas for five years. And because it’s water-resistant, Superstratum can reduce the effects of water damage in moisture-prone areas, as well.

Mold is one expensive headache. Using Superstratum, you don’t have to wait for disaster to treat the issue of mold. Since mold can have major effects on your health and mold remediation expenses often come out of pocket, using Superstratum protects your wallet and your wellbeing. And when mold is no longer a resulting factor of water damage, your homeowner’s insurance should cover your repairs.


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Contact us today for more information about our mold remediation solutions to reducing water damage and mold remediation costs!