Ongoing wet conditions across much of Australia in 2022 have left many homeowners dealing with the frustration of mould.

Damp conditions provide the ideal environment for mould to thrive and damage property, fittings and fixtures.

Unfortunately, property and contents insurance policies generally exclude mould damage.

Why you can’t insure against mould damage

Insurance policies don’t generally cover mould because the damage can be minimal if a mould outbreak is addressed immediately. Outbreaks are usually considered to be preventable events.

Are there any exceptions?

An exception might be if the mould is a result of another insurable event, such as flooding or water ingress.

For example, if a house with cyclone damage has been locked up, any resulting mould outbreaks might be covered as part of that claim. Another scenario where mould damage might be covered is if burst pipes allow water to run through a house for an extended time while the owner is away.

An insurer will consider the individual circumstances before deciding on a claim involving mould damage.

Take steps to prevent mould outbreaks

There are a number of steps homeowners can take to prevent damage from mould outbreaks that are due to moisture in the air rather than an insurable event.

Open windows and doors to air out damp rooms. Identify and repair underlying causes of mould, including rising damp, or leaky pipes, showers and ceilings. Wipe hard surfaces and sponge soft furnishings with mould removal products.

Safeguard your assets

Choosing the right insurance cover is essential to protect your personal and business assets in the event of damage or loss. Our brokers can review your policies to ensure they meet your current needs.