Off hand, molds don’t pose a threat to homeowners, and is overlooked most of the time, until the damage has become significant to be ignored. However, damages caused by molds, rust and other fungi are generally not covered by your basic homeowners insurance, since it is a maintenance issue. It is the responsibility of the homeowner to ensure the cleanliness of his home. Check with your insurance provider if mold damage is covered, and the specific circumstances associated with the damage, since molds caused by flooding and that caused by negligence will have different assessments.

It would be good if mold damage is covered, but prevention and maintenance of a mold-free home is still the best option. Molds thrive in moist areas, and moisture usually persists in poorly-ventilated and dark parts of the house. Molds also grow faster on piled wood, boxes or paper, making the attic, garage and store rooms its best habitat. Inspect your home for molds, clean up and prevent further growth by using the tips found on the following links:

US EPA Mold Resources
Mold and Homeowners Insurance
Home Improvement
Mold Inspector
Household Mold Removal

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