Does Insurance Cover Mold Removal in Kansas or Missouri?
Insurance coverage for mold removal can be confusing. Policies vary, and coverage often depends on what caused the mold in the first place.
Here’s what Kansas City homeowners should know.
When Mold Removal May Be Covered
Insurance may cover mold remediation if it results from a sudden and accidental event, such as:
Burst pipes
Appliance leaks
Storm-related water damage
In these cases, mold is considered secondary damage.
When Mold Removal Is Usually Not Covered
Most policies do not cover mold caused by:
Long-term leaks
High humidity
Poor maintenance
Preventative issues are typically the homeowner’s responsibility.
Why Documentation Matters
Professional inspections, moisture readings, and remediation reports can help support insurance claims when coverage applies.
Should You Call Insurance Before an Inspection?
In many cases, it’s best to start with a professional inspection to understand the situation before filing a claim.
