Homeowners Insurance FAQs

Being a homeowner and understanding all there is to know about insurance can be challenging. Many different incidents can occur, making it essential to familiarize yourself with what your policy may or may not cover. The following are frequently asked questions about the homeowners insurance coverage options.

Is Mold Covered?

Homeowners insurance may cover mold if it results from a burst pipe or similar incident; however, mold growth due to neglect or lack of maintenance is typically not covered.

In some cases, homeowners can add mold coverage to their existing policy for more extensive financial coverage against mold-related damage.

Are Septic Systems Covered?

Homeowners insurance may cover a septic system under the dwelling portion of the policy. Damage to the septic system due to fire or hail may be covered; however, your specific policy may vary. Common exclusions typically include damage caused by the following:

• Wear and tear

• Improper maintenance

• Improper installation

• Floods

• Earthquakes

• Flushing unacceptable materials down the drains that cause a backup

Are Roofs Covered?

Homeowners insurance typically includes coverage for your roof if it is damaged due to a covered peril, such as a fire or windstorm. If your roof is in poor condition because of lack of maintenance, your insurance provider will typically not cover the cost of repairs or replacement.

The purpose of this type of insurance is to cover sudden and accidental damage, not damage due to negligence or typical wear and tear.

Are Detached Garages Covered?

Homeowners insurance typically offers “other structures coverage” that can help extend coverage to additional structures on your property that are not attached to your primary dwelling, such as detached garages, sheds or fences.

This coverage can help cover the cost of repairing or replacing structures that are damaged due to a covered incident, such as fire, hail, or theft.

Homeowners Insurance in West Des Moines, IA

Contact McCartan Insurance Group to discuss your homeowners insurance policy. We can help you get the coverage you need based on your specific concerns.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.