It's important to have a plan and routine to protect a home from mold. Regularly look for watermarks on ceilings or walls, visible mold growth, and musty smells so problems can be caught early.
If mold is caught early enough, it can often be removed with a simple cleaning solution of bleach and water.
Preventing mold from returning means eliminating the source of moisture and drying the affected area thoroughly. In some cases the surface or material may need to be replaced. After cleaning, place rags, clothing, paper and other contaminated materials in a plastic bag and discard them.
Mold damage is usually treated like insect infestations or rot and is often excluded under a standard homeowners insurance policy, which typically covers sudden or accidental perils rather than gradual maintenance issues. For more detail on how policies handle mold and related losses, see Mold Prevention and Insurance Implications and consult specific policy language.
Standard policies may offer coverage when mold results directly from a covered event such as a burst pipe; for related topics on coverage nuances, see Fungus Coverage in Insurance.
Mold can cause health problems for household members with symptoms similar to allergic reactions or hay fever, so address any mold promptly to reduce health risks.
Prevention steps
There are several steps to reduce the chance of mold returning. For additional homeowner-oriented tips, see Protecting Your Home from Mold.
Reduce Humidity Level
Keep indoor humidity between about 30% and 60% using dehumidifiers and air conditioning when appropriate. Install and use exhaust fans in bathrooms and kitchens, and avoid placing carpet where moisture exposure is frequent. Also avoid allowing water to pool under houseplants.
Check & Replace Hoses
Regularly inspect pipes, fittings and appliance hoses. Consider replacing water hoses to appliances approximately every five years since inexpensive replacement can prevent costly mold problems.
Use Mold-Reducing Products
Clean bathrooms and other damp areas regularly with bleach-and-water solutions or commercial mold-killing cleaners. Adding mold inhibitors to paint before application can help on susceptible surfaces.
Exercise Caution after Water Damage
When large amounts of water contact the home interior, dry carpets, upholstery and other absorbent materials thoroughly and quickly—ideally within 24 to 48 hours. Remove standing water promptly, discard items that cannot be dried, then wash and disinfect surfaces including appliances, closets, walls, shelves, floors and HVAC components.
Check the Roof & Gutters
Inspect the roof and keep gutters clear of debris. Repair roof leaks promptly to prevent water from seeping into the home and creating conditions for mold growth.
Although mold is a common and sometimes serious problem, consistent maintenance and prompt action after water exposure make it preventable. If you have specific questions about mold or how your homeowners policy applies, consider talking to an agent.
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Frequently Asked Questions
How can I detect mold early?
Look for water stains, visible fuzzy growth, and persistent musty odors, and inspect areas where moisture collects such as bathrooms, basements and under sinks.
Can I clean mold myself?
Small areas of mold on non-porous surfaces can often be cleaned with a bleach-and-water solution, but larger infestations or mold on porous materials usually require professional help.
Will homeowners insurance pay for mold removal?
Insurance typically covers mold only when it is the direct result of a covered peril, such as sudden water damage from a burst pipe; routine prevention and maintenance are generally not covered.
When should I call a professional?
Call a professional if the affected area is large, mold returns after cleaning, or if occupants have significant health symptoms linked to mold exposure.