Does Insurance Cover Mold After Water Damage in Utah?
Mold is one of the most costly and dangerous side effects of water damage — and if you live in Riverton, Bluffdale, or South Jordan, it can grow fast after a leak or flood. But does your homeowners insurance cover mold removal?
The answer: it depends. In this post, we’ll break down when mold is covered, when it’s excluded, and how to protect your home (and wallet) after a water disaster.
✅ When Mold IS Covered by Insurance
In Utah, homeowners insurance typically covers mold damage if it was caused by a sudden and accidental event that’s also covered by your policy. This includes:
- ✔️ Burst pipes or plumbing failures
- ✔️ Water heater or appliance leaks
- ✔️ Overflowing bathtubs or toilets (not due to negligence)
- ✔️ Emergency storm-related roof leaks
💡 Learn more about what Utah insurance covers after water damage.
🚫 When Mold Is NOT Covered
Your insurer may deny your mold claim if it resulted from:
- ❌ Long-term leaks or seepage
- ❌ Poor maintenance (roof, pipes, gutters)
- ❌ Groundwater flooding (not covered without a flood policy)
- ❌ Ventilation or humidity problems
Pro Tip: Some Utah policies have mold exclusions — meaning no coverage at all unless you buy extra protection (known as a mold rider).
🧾 How to File a Mold Claim Successfully
- Act fast – Mold can grow within 24–48 hours. Call a pro immediately.
- Document everything – Take photos of the water source, affected areas, and mold spots.
- Hire a licensed restoration company – Like Pure Flow, to assess and remove moisture before mold spreads further.
- Get a written estimate and damage report for your insurer.
💡 Need help documenting water damage for a claim?
🧰 What If Insurance Denies Your Mold Claim?
If your mold claim is denied, don’t panic. You can:
- 📝 File an appeal with supporting evidence
- 📞 Hire a public adjuster for major losses
- ⚖️ Consult an attorney (if the claim was mishandled)
We’ve helped Utah homeowners overturn denials by providing detailed moisture reports and proving that damage was sudden and unavoidable.
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