Is Internal Home Damage Covered by Insurance?

Understanding the extent of your home coverage.mold growing by a window

As a homeowner, you are bound to run into internal issues and damages, such as water damage, pest infestations, and so on.  This is why many homeowners wonder if these types of damage are covered by their insurance.  Here is what your homeowners insurance policy will cover when it comes to common types of internal damages.

  • Mold

Mold is considered a type of water damage.  So, if mold is caused by a sudden accident, then it may be covered by your homeowners insurance.  However, mold removal is not covered if it is the result of a flood, ground seepage, or poorly maintained pipes that have begun to leak.  As a general rule, mold infestations that breakout due to lack of maintenance are your responsibility and will not be covered by your homeowners insurance.

  • Pest Damage

If your home sustains damage due to a rodent or insect infestation, then your homeowners insurance will probably not offer coverage.  This is because infestations are considered a result of the homeowner’s negligence.  So, if your home or belongings are damaged by pests, then this cost will come out of your own pockets.

  • Malfunctioning Appliances

Your homeowners insurance will offer coverage for broken appliances if they were damaged during a covered peril, such as a storm or fire.  If an appliance breaks down due to lack of maintenance, then your insurance may cover damage to your property and belongings, but it will not cover the cost of repairing or replacing the faulty appliance.  Your home insurance will also not cover the cost of repairing or replacing appliances that breakdown due to mechanical failures.  This coverage can be secured through a home warranty instead.

This is what your homeowners insurance will cover when it comes to these common forms of internal damage.  Do you have more questions about your home coverage?  If so, then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your insurance needs today.