Does a Home Warranty Cover Mold?

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Home Warranty by American Home Shield®

#1 Home Warranty Company with more than 2 Million Members

You know your home warranty is designed to be there if your fridge conks out or your electrical goes haywire. But does a home warranty cover mold? Unfortunately, mold is one of the issues most home warranties do not cover. 

Let’s find out why it is usually not covered and what to do if your home has a potentially dangerous mold problem. 

What is Mold, and Why is it Dangerous?

Mold is a fungus that helps assist in the decomposition and breakdown of organic materials, like leaves, vegetation, and—unfortunately for your home—wood. Some types of mold can be beneficial (we’re looking at you, penicillin), but if you see mold blooming in any area of your home, chances are you’re in for a headache—figuratively and literally. Heavy exposure to black mold can cause some serious symptoms, like migraines, respiratory issues, disorientation, and even tremors and seizures, just to name a few. 

Mold likes to hang out in damp, dark places, which makes it hard to spot. If it starts to form outside of your walls, that probably means there’s a whole family reunion of the fuzzy stuff growing on the inside. So, what to do if you suspect black mold? It’s vital to get the black mold removal process started immediately. 

Why Doesn’t a Home Warranty Cover Mold? 

Home warranties are designed to be your safety net if a pricey home system or appliance  fails due to normal wear and tear. An American Home Shield® home warranty will cover the things your home insurance won’t, like breakdowns of the items that keep your home running properly. 

For instance, if your water heater springs a leak and causes water damage to your floor, your home warranty may cover the repair of the water heater itself, and your home insurance could potentially cover the structural damage to the floor that the leak caused. 

You’re probably asking yourself “Is black mold covered by insurance?” This is where it gets tricky. Since mold is usually the result of negligence somewhere down the line—either by the builder, poor ventilation, or failure to make repairs—home insurance will quite frequently deny coverage. So, your home warranty may fix or replace the water heater, but it’s not designed to cover any resulting issues like mold. This makes the formation of black mold a serious threat to both your health and your wallet. 

How to Prevent Black Mold From Forming

Here are a few tips from the CDC to prevent black mold:

  • Ventilate. Keeping fresh air flowing and the humidity level down can go a long way toward mold prevention. It’s also a good practice to run the exhaust fan in your bathroom both during and after showers or baths. 

  • Keep an eagle eye out for leaks. This is not only good for mold detection but also for general house maintenance. Whenever something leaks, try to find the source as quickly as possible.

  • Clean your bathrooms thoroughly to minimize mold breeding grounds. Make sure to really dig into those crevices with a cleanser that will kill mold. If your bathroom isn’t well ventilated, it may be a good idea to ditch those fluffy rugs unless they’re antimicrobial. Instead opt for something that dries quickly, like a bamboo mat.  

Keeping your home protected is our priority. Even though our home warranties do not cover mold, American Home Shield does cover the essential appliances and systems that keep your home running smoothly. Shop plans to choose the best home warranty coverage for your household.

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