Short Answer: It depends. Homeowners insurance may cover mold remediation in Utah if the mold is caused by a covered peril like sudden water damage from a burst pipe. However, if the mold developed due to long-term leaks, poor maintenance, or flooding, it is typically not covered.
Let’s explore how insurance companies in Utah view mold claims, and what you can do to protect your home and your wallet.
When Mold Is Covered by Homeowners Insurance
Most standard homeowners insurance policies cover mold if it is the result of a sudden and accidental event, such as:
- A pipe bursts behind the wall and water spreads
- Your water heater leaks and soaks the drywall
- A roof is damaged in a storm and water enters the attic
In these cases, your insurer may cover:
- Mold testing and inspection
- Removal and cleaning
- Structural repairs related to the damage
But you must report it quickly. Delays can lead to denial, especially if the mold has had time to spread.
When Mold Is Not Covered
Insurance does not typically cover mold caused by:
- Long-term leaks or slow plumbing drips
- Poor ventilation (bathrooms, basements)
- High indoor humidity
- Floods or rising groundwater (unless you have a separate flood policy)
In these situations, insurance providers will often deny the claim, arguing that the issue could have been prevented through regular maintenance.
Utah-Specific Considerations
In Utah’s dry climate, mold usually grows after interior water damage rather than storm flooding. Because of this, burst pipes, ice dams, and appliance leaks are the most common mold claim sources.
If you live in areas like Park City, Provo, or Ogden where homes are often built into hillsides or have basements, moisture control and radon-resistant construction are also key.
Tips to Improve Your Chances of Coverage
- Act quickly. Report water damage immediately—even before mold appears.
- Document everything. Take photos of the source, the affected area, and any damage.
- Hire a certified remediation professional. Insurers prefer working with licensed pros.
- Request a copy of your policy. Look for wording related to “mold,” “water damage,” or “fungus exclusion.”
- Consider mold-specific endorsements. Some insurers offer optional mold coverage for an additional premium.
What If Insurance Won’t Pay?
If your claim is denied, Remediation Hero can still help. We work with affordable, certified mold removal experts across Utah who can assess the damage and work within your budget. You can also request a second opinion or appeal the decision with documentation from a licensed contractor.
Need help navigating a mold insurance claim?