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Who Pays For Mold Remediation?

January 11, 2024
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Mold in homes and buildings is not just an unsightly nuisance, but a potential health and structural hazard too.

Mold remediation is the process of containing, removing, and treating mold in buildings. Sounds like a big job right? It is. So who pays for mold remediation?

It’s a valid question so read on for more information about mold remediation, why it’s needed, and who pays for it.


What Is Mold Remediation?

Mold remediation is a process that is done by a professional to effectively and safely remove mold from a building. Mold doesn’t discriminate so it can show up anywhere from walls to floors, under cabinets, and even carpeting.

Steps for mold remediation include:

  • Assessing the mold affected areas or rooms to see how far it may have spread
  • Extracting and drying any water laden areas
  • Containment of mold area
  • Specialized sprays to eliminate mold spores in the air
  • HEPA vacuuming mold to eradicate spores
  • Cleaning affected areas with industrial strength agents
  • Removing walls/flooring affected
  • Drying all areas
  • Rebuilding torn out areas

Mold remediation is extensive and must be done by a professional to ensure optimal safety and containment. Since mold is a health hazard, trying to bleach away the mold or just painting over it is a very bad idea.


Why Do I Need Mold Remediation?

Mold is not only unsightly, but can become a health issue if not taken care of. Of course not all mold is black mold, but even the less dangerous ones can be toxic to your health. Mold can cause a variety of symptoms including:

  • Sinus congestion
  • Watery or itchy eyes
  • Wheezing or difficulty breathing
  • Cough
  • Headache
  • Rash

It’s important to see a doctor if you think you’ve been exposed to mold. They will be able to assess the dangers, make recommendations for moving forward, and let you know what to look for after your mold remediation is complete.


Who Pays For Mold Remediation?

Who pays for mold remediation is almost trickier than mold remediation itself. The answer is that it varies depending on the circumstances in which the mold reared its ugly head.

Homeowners Insurance

In some cases, homeowners insurance will pay for mold remediation. If the mold arose from a sudden catastrophic event covered by your policy—such as a burst pipe, water damage from a fire hose, broken water heater, or roof leak—your home will likely be covered.

Examples of perils that would not likely be covered are:

  • Neglect – An example would be a leaky pipe you ignored.
  • Ventilation – Lack of ventilation in moist areas is a breeding ground for mold.
  • Flooding-  Flooding from storms and other events is covered by a different portion of an insurance policy and is purchased separately from homeowners insurance.


In some instances, a renter may be responsible for mold remediation if the rental agency or landlord determines that the renter is at fault for the mold.

Renters may be responsible for mold remediation if they neglected to clean up water spills, failed to inform the landlord or agency immediately following water damage, did not properly ventilate areas with moisture build up, or failed to report leaks in a timely manner.


In cases where a person owns a dwelling and the renter was not neglectful in a way that led to the mold problem, the landlord would be responsible for paying for the mold remediation.

Much like homeowner’s insurance, in situations where the loss was sudden (due to a burst pipe or other covered peril), landlord’s insurance may pay for the damage. It’s important to note, however, that some have exclusions for fungi so it’s important to check your policy or purchase additional insurance.


Mold Is A Big Problem. We Have The Answers

Discovering mold in a building is stressful enough without having to think about the cost of remediation. It makes a bad situation worse.

At Axel Works we are dedicated to taking that extra stress off your shoulders and will work with your insurance company to get your home back to its prior condition. We will take care of removing the water damage that caused the mold, contain the problem, and eliminate mold from your home.

If you’ve experienced mold or water damage, give us a call. We are here for you 24/7!


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