Top Reasons Home Insurance Denies Mold Claims

If you've recently discovered mold in your home, chances are you're overwhelmed—and hoping your homeowner's insurance will help cover the cost. But what happens when your mold claim is denied?

We’ve spoken to countless Long Island homeowners who were shocked to find out that their insurance company wouldn’t pay for mold remediation. At K.O.S. Restoration, we understand how frustrating and even heartbreaking this can be. You've been paying your premiums for years, and now, when your health and home are at risk, you’re told you’re not covered?

Let’s break down why this happens, what it means for you, and how our team helps fight for your coverage and restore your home safely.

1. The Mold Wasn’t “Sudden or Accidental”

Most home insurance policies only cover mold if it’s caused by a sudden and accidental event—like a burst pipe or storm damage. If your mold growth is the result of long-term humidity, slow leaks, or poor ventilation, your claim may be denied as “maintenance-related.”

How We Help:
At K.O.S. Restoration, we document the source of your water damage immediately—pinpointing whether it came from a covered event like a pipe break or roof leak. We gather evidence, take photos, and provide detailed reports that help make your case.

2. You Waited Too Long to Report It

Delaying your insurance claim—even by a few days—can give the insurance company a reason to deny it. Mold spreads fast, and if they believe you didn’t act quickly enough, they may say you allowed the problem to get worse.

How We Help:
We’re available 24/7 for emergency calls and respond to most Long Island locations in 45 minutes or less. The sooner you call us, the better we can help document your damages and prove you acted responsibly.

3. Your Policy Has Mold Exclusions or Low Limits

Some policies specifically exclude mold damage—or only offer a small amount of coverage (as low as $5,000) for mold remediation. It’s heartbreaking, but it's common.

Pro Tip:
Ask your insurance company to clarify what’s included under your policy. You may be surprised by the fine print.

How We Help:
We’ve been working with insurance adjusters since 2006, and we know how to navigate the confusing language. We’ll even speak directly to your provider to help push for fair coverage, and offer financing options when coverage falls short.

4. They Blame You for “Negligence”

If your insurance company believes you failed to maintain your home (like fixing a leaky AC unit or unsealed windows), they might deny your claim under “owner negligence.”

It’s not fair—and it happens more often than you’d think.

How We Help:
We provide a professional cause-of-loss assessment that clarifies the root of the damage. If your mold was caused by a storm, burst pipe, or another qualifying event, we’ll make sure that truth is clearly communicated in the claim.

Why Homeowners Choose K.O.S. Restoration

We don’t just clean up mold—we stand up for you.

• IICRC Certified in Mold Remediation
• Top Rated with 250+ 5-Star Reviews
• In Business Since 2006—Trusted on Long Island
• Insurance Claim Experts Who Speak Their Language
• Fast, Discreet, Compassionate Help—24/7

Get Peace of Mind Today

Mold doesn’t just damage your home—it threatens your health, your family, and your sense of safety. But you don’t have to handle it alone.

We know how hard this is. Let us help you fight back.

Your Mold Problem Is Urgent—We’re Here to Help

If you’re facing a denied mold claim, don’t wait. The mold won’t go away on its own—and neither will the stress.

We’ll walk you through every step, from drying and remediation to insurance paperwork and permanent prevention. Whether you’re in Bellport, Huntington, Islip, or anywhere in Suffolk County, we’re only one call away.

📍 K.O.S. Restoration - 11 Farber Drive Unit F, Bellport, NY 11713
📞 Call us anytime at (631) 560-8999