Whether or not mold remediation is covered by your homeowners insurance depends on the cause of the mold. If the mold growth is the result of a sudden and accidental water loss—such as a burst pipe, water heater failure, or an appliance overflow—it may be covered. However, if the mold is caused by neglect, poor ventilation, or a slow, ongoing leak, it’s typically excluded from coverage.
When Does Insurance Cover Mold Remediation?
In Washington State, most standard homeowner policies provide limited mold coverage when mold is the result of a covered peril. These scenarios are more likely to be eligible for a claim:
- Pipe bursts or supply line failures
- Storm damage leading to water intrusion
- Water damage from firefighting efforts
- Accidental appliance leaks (dishwashers, water heaters, etc.)
In these cases, the policy may cover both the water damage and the cost of mold remediation—up to a specific limit stated in the policy.
When Is Mold Not Covered?
Insurance companies often deny claims for mold caused by preventable or long-term issues. Examples include:
- Chronic humidity or condensation problems
- Long-term roof or plumbing leaks
- Poor ventilation in bathrooms or attics
- Neglected maintenance or delayed reporting
Even if the mold is extensive, it won’t be covered if it’s linked to improper upkeep or non-covered causes.
We Help You File and Document Your Claim
At Eco Water Restoration, we work directly with your insurance company to make the process easier. Our team documents the damage, identifies the source, and provides clear reports to help you get the coverage you deserve.
Call (253) 204-3646 now to schedule a free inspection. We’re available 24 hours a day, 7 days a week and respond in under 90 minutes to most locations.
What If My Claim Is Denied?
If your insurer denies mold coverage, you still have options. We offer transparent pricing, detailed estimates, and flexible financing for out-of-pocket remediation. Our goal is to stop the spread of mold quickly and restore your property safely—whether your insurance pays or not.
Additional Resources
- How Much Does Mold Remediation Cost in the Seattle Area?
- Is Mold Dangerous to My Health?
- Mold Remediation Process Explained
Prefer email? Reach out at info@eco-wr.com
Or use our secure contact form: Request your inspection here
As co-owner of Eco Water Restoration, Ivan plays an active role in the company’s water, flood, storm, sewage, and mold damage restoration services, ensuring every job is done right the first time. The company offers free estimates and focuses on returning properties to their pre-damage condition with precision and attention to detail. Ivan works directly with insurance companies to minimize out-of-pocket expenses for clients, helping to streamline the claims process and reduce stress.
Ivan's personal involvement and dedication to customer satisfaction are frequently mentioned in reviews, with clients highlighting his professionalism, responsiveness, and commitment to quality. Many customers specifically praise Ivan for his hands-on approach and for going the extra mile to ensure their needs are met.
For water, flood, storm, sewage, or mold damage restoration, Ivan Mukomol and his team provide exceptional service and care. With free estimates, a focus on reducing expenses, and a strong commitment to restoring properties to their pre-damage state, you can trust Ivan to ensure a smooth and efficient restoration process from start to finish.
- Is Mold Remediation Covered by Homeowners Insurance in Washington State? - August 19, 2025
- How Much Does Mold Remediation Cost in the Seattle Area? - August 19, 2025
- What’s the Difference Between Mold Removal and Mold Remediation? - August 19, 2025
