When Does Homeowners Insurance Cover Mold?

Studio Romantic/ShutterstockMold is usually a deceptive problem. It can lie hidden in your home for years. According to Ruby Home, mold is widespread in the United States, but its presence becomes a concern when concentrations exceed typical outdoor levels. A study conducted by Ju-Hyeong Park and Jean M. Cox-Ganser and published in the National Library of Medicine concluded that 47 percent of residential buildings in the United States had prevalent dampness and mold.Mold remediation can be an expensive proposition. According to This Old House, professional mold remediation typically costs between $1,200 and $3,750. The average cost for most Americans is $2,300. And, unfortunately, your homeowners insurance usually will not cover this expense. But is there ever a time when mold is covered by insurance?Preventable Mold Infestation Not Covered by Standard PolicyAccording to Policygenius, mold removal coverage is excluded if it was considered preventable.