In Virginia, the law requires landlords and tenants to take action to prevent mold and moisture buildup. It states that tenants must inform the landlord about mold and moisture buildup. It also states that the tenant could be responsible for remediation if they don’t maintain the rental space. So, Glen Allen, VA residents understand mold prevention but are not aware of what renters insurance can do for mold. Let the team at Everett Insurance explain.

Does renters insurance cover mold?

Most renters insurance covers mold damage only if the cause is sudden and accidental. The policy expects one of its covered perils to cause it. Water damage caused by faulty appliances, fires, storms, and burst pipes are some eligible perils. Long-term water leaks, poor maintenance, wear and tear, neglect, exterior flooding, or sewer line issues are not the carrier’s responsibility. Some carriers won’t cover mold at all unless you have a rider or endorsement related to mold removal. 

The challenge for carriers is determining the cause of mold. That’s where the agents at Everett Insurance come in. We will review the carrier’s policy for mold coverage specifics. We will send adjusters to your Glen Allen, VA unit and ask questions to reach an accurate conclusion.

What mold-specific damage will renters insurance cover?

Most carriers cover mold damage to your belongings through personal property coverage. Loss of use coverage pays for temporary housing during remediation. They do not cover mold on the walls and ceiling or a mold inspection. 

Virginia law has several laws in place regarding mold for renters. Our agents will review your policy and change it to align with your lease. We can also open a new policy with those provisions in place. Tenants in rental dwellings deserve to live in a healthy environment, and rental insurance is one way we can help. Contact us for more information.