The responsibility for paying for mold remediation depends on the situation. If the mold is caused by a covered peril, such as a burst pipe or water damage from a fire, homeowners insurance may cover the costs.
However, if the mold results from neglect, long-term leaks, or maintenance issues, insurance typically won’t cover it, and the property owner will need to pay out-of-pocket. In rental properties, landlords are usually responsible for mold caused by structural issues or plumbing problems, while tenants may be liable if the mold results from their negligence or failure to report issues promptly.
