Insurance cover for mould
Mould is invariably associated with damp conditions. Australia has experienced its fair share of those in the summer of 2021-22, with widespread flooding across Queensland and northern NSW as well as scores of soggy days elsewhere around the country.
April 2022, for instance, saw many sites in greater Sydney record rainfall totals equal to 150-250% of the April average. Some suburbs received a bucketing that was close to, or more than, their April monthly average, in a single day.
Outbreaks of wet weather mould can damage your property, fixtures and fittings. Unfortunately, that type of damage is unlikely to be covered by your property and contents insurance. Most policies exclude mould damage as a matter of course. That’s because the damage caused by mould can be minimal if it’s addressed promptly. As such, outbreaks are considered to be preventable events.
Mould often comes hot on the heels of damp weather and, except in limited circumstances, its treatment is not covered by insurance.