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Why are mold remediation claims typically denied?

The door of your home in Jacksonville may be open for all to enter. That is, of course, excluding those people (and things) that you do not want to be there. Mold is likely right at the top of that lise, yet somehow it can find its way in, anyway. You might think that the reason you have homeowners (or property) insurance is to handle these exact situations. However, if you do end up submitting a claim, you make quickly discover (just as others have) that insurers rarely cover mold remediation. Why is that? 

The common school of thought is that indoor mold is a health hazard. While research findings compiled by the Institute of Medicine (and shared by the Centers for Disease Control and Prevention) showed a limited connection between mold and the development of respiratory issues in those with asthma, people with compromised immune systems and even otherwise healthy adults and children, more research is needed to determine exactly how big a health concern mold truly is (the same study also points out that many are not affected by mold at all). This lack of information confirming the health risks posed by mold may account for the unwillingness of insurance companies to help deal with it. 

Another reason why mold claims are typically denied is because many insurers view it as a maintenance issue. You allowing water seepage from broken or poorly secured pipes may be what's causing the mold in the first place. Yet what about cases where a pipe bursts unexpectedly? Most agree that in this scenario, insurers will justify paying for mold remediation. To be sure, however, you should check the details of your insurance policy. 

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