• Apr 27, 2025
• By Brian

How to Get Home Insurance With a History of Mold Claims Securing

home insurance can be challenging if you have a history of mold claims.

Insurance companies often view mold as a high-risk issue, leading to higher premiums or even policy denials.

However, with the right approach, you can still find coverage. Here’s a step-by-step guide to help you navigate the process.

• 1. Understand Why Mold Claims Raise Concerns

Mold can cause significant property damage and health risks, making insurers cautious. Past claims suggest a higher likelihood of future issues, leading to increased scrutiny.

• 2.Disclose Past Mold Claims Honestly

Withholding information can result in denied claims or policy cancellations. Be upfront about previous mold problems and demonstrate the steps taken to resolve them.

• 3.Provide Documentation of Repairs
  Show proof that the mold issue was professionally remediated. Include:
  – Inspection reports
  – Repair invoices
  – Preventative measures (e.g., improved ventilation, dehumidifiers)

• 4.Shop Around for Specialized Insurers

Standard insurers may deny coverage, but some companies specialize in high-risk policies. Consider:
– Independent insurance agents
– Surplus lines carriers
– State-run insurance pools (if available)

• 5Consider Higher Deductibles or Limited Coverage

If full mold coverage isn’t available, you may need to:
– Accept a higher deductible
– Opt for a policy that excludes mold (but covers other perils)
– Purchase separate mold coverage as an endorsement

• 6.Take Preventative Measures

Reduce future risks by:
– Fixing leaks promptly
– Maintaining proper humidity levels
– Regularly inspecting high-risk areas (bathrooms, basements)

• 7.Improve Your Overall Risk Profile

Strengthen your application by:
– Bundling home and auto insurance
– Installing security systems
– Maintaining a good credit score

• 8.Work with an Insurance Broker

A broker can help negotiate with insurers and find the best available options for your situation.

Final Thoughts
While a history of mold claims complicates home insurance, it doesn’t make coverage impossible. Transparency, documentation, and proactive risk management can improve your chances of securing a policy. Compare multiple quotes and consult an insurance professional to find the best solution for your needs.

Would you like recommendations for mold remediation companies or specific insurers that handle high-risk cases? Let me know how I can assist further!