It all depends. Generally speaking, for water or sewage damage and mold resulting from a storm or frozen pipe, most insurance will automatically cover repairs. But for mold that develops over a long period of time and damage repairs resulting from a flash flood, many people and businesses are not automatically covered unless you have specially requested it in your policy, often called a “rider.” For COVID-19 disinfecting, it is too new to be specially covered. However, we have seen several general business liability policies cover these.
On the other hand, for mold related to water damage, it is covered if it is a direct result of a very recent “sudden and accidental” water damage claim. If you contact Minneapolis Water Damage Specialist 24/7 within 72-hours of your water damage instance, any mold that forms in that period is covered because of your water damage. The insurance company is required to cover it if it is a direct result of your recent loss.
