Molds are a result of inadequate airflow or water seepage caused by faulty plumbing.

Most home warranties do not cover mold as they are considered maintenance issues. Some home warranty companies, however, cover problems that cause molds like poor plumbing and water leaks.

If mold problems go unnoticed, a home warranty company relieves itself from issues like this because they do not cover normal wear-and-tear situations.

Do home warranties cover mold

Not to be mistaken as home insurance which covers damage to personal property and structural integrity of a home caused by major events including natural disasters, fire, burglary, and vandalism, a home warranty is different.

A home warranty covers the internal components of a house in the event of damage from everyday wear and tear. Depending on the coverage, this includes plumbing systems, heating systems, appliances, and other internal home systems.

The coverage of a home warranty could include but is not limited to an air conditioning system, heating system, plumbing system, garbage disposal, garage door system, electrical system, and appliances.

What is a home warranty

What is usually covered by a home warranty?

The most common appliances covered by home warranties are a cooking range, built-in microwave, refrigerator, water heater, dishwasher, washing machine, dryer, doorbell, and mostly all other appliances that can be included in a policy.

This can cover repairs and/or replacement of damages incurred in a household depending on the warranty coverage to prevent major home issues that may further arise from avoidable scenarios, such as molds.

What is not covered by a home warranty?

A home warranty, just like any other warranty, has limited coverage. It is always best to discuss with the home warranty provider which specific home systems or appliances would be of value for the home you are maintaining.

Treating molds in a household is not covered by a home warranty due to their hazardous nature. The warranty, however, can cover the plumbing, heating, and cooling systems of a home which are essential in preventing mold build-up.

Upon availing of a home warranty that best suits your home and budget, you are then entitled to the full benefits of its coverage, but the inability to report damages immediately can also affect the chance of having your troubles covered.

Your home warranty can not cover incurred damages if you do not report them right away as it can lead to further damages that are beyond the limits set by the home warranty you availed, including molds.

How home warranties can prevent mold in your home

Mold only needs a damp or moist environment for it to thrive in a home. The common problem of homeowners is that they notice the presence of molds quite late, giving them little to no time window to prevent it from spreading.

The key to preventing mold in your home is to properly maintain home systems that may affect its presence or spread inside the household. Below are some systems and appliances that you can check to prevent molds:

1. Plumbing system

  • The plumbing system runs all over the entire household.
  • From your kitchen, bathrooms, laundry area, garage, and internal pipes, these can all be habitable by molds if there are leaks or moisture build-up.
  • Since a home warranty covers the home plumbing system, its proper maintenance should not be a problem for the homeowner.
  • Effectively checking plumbing issues could greatly affect the prevention of molds.

2. Cooling and heating systems

  • Since the most basic packages for home warranty covers the cooling and heating systems, promptly checking issues and reporting them to the home warranty provider can prevent mold in your household.
  • Though your plumbing system might be in great condition, you may notice damp walls or moist surfaces in your home. These are often caused by a problem in your home’s heating and cooling systems.
  • Changes in the weather can also cause these damp and moist surfaces inside the household.
  • An effective heating and cooling system should be able to balance out the temperatures needed to prevent this from existing and prevent molds.
  • Since preventing mold is more manageable than removing them, having your cooling and heating systems checked regularly must be practiced.
  • You can schedule this with your home warranty provider and reap the full benefits of the warranty.

3. Appliances that involve water or moisture

  • Appliances such as washing machines, dishwashers, air conditioning, and refrigerator, among others, are also common sources of mold in a household.
  • These involve water or moisture, which are needed by molds to thrive.

An overflowing washing machine, a leaking dishwasher, outdated air conditioning, or an old refrigerator are just some examples of problems you and your home warranty provider can address immediately to prevent molds.

These appliances must be covered by your home warranty to avoid incurring costs in repairs needed for them to function properly, or even unexpected replacements that could somehow be prevented with the warranty.

What should you know about home warranty coverage?

By the definition itself, a home warranty coverage must be able to cover incurred expenses that can be brought about by the everyday wear and tear of home systems and appliances under the agreement you have with your provider.

This coverage must be clear between you and your provider to prevent avoidable costs and enjoy the full coverage of the home warranty. Before making the initial payment, you must understand all that the warranty covers.

There might be some add-ons in your home warranty that you know you need for your home which can be added to the original package while there are some that you might not need depending on the type of household you have.

Having a grasp on what is needed and what is not is often looked over. It is also essential to have the contact numbers needed for home maintenance as well as hotlines for reports to assure that you would be given the right service.

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