When a disaster strike within your home, you feel a little relief knowing your home insurance will be there to pick up the pieces. But did you know there are certain things that are not covered? It is always important to read the fine print and know what your plan covers. Here is a general list of damages most insurance policies do not cover and how to prevent them from occurring:

  • Mold. There are about 1,000 different species of mold. Not only does it look disgusting, it is also a health risk, especially for people with allergies or breathing problems. Standard homeowner insurance limits its coverage for mold outbreaks. Prevention: contain moisture in your home. If your basement, doorways, or windows leak during a rainstorm, or if a pipe leaks, eliminate the water promptly. Even if there is a spill on your carpet, be sure it is fully dried within 24 hours!
  • Sinkholes. A sinkhole is when there is a sudden gap in the earth’s surface that occurs after groundwater gradually dissolves the rocks and carries the bits away. This creates large pores and cracks. Once large cavities form underground, the land above can suddenly collapse, creating the sinkhole. This is common in states like Florida, Texas, and Pennsylvania, making it a priority in their insurance. While other states, like New York, excluded earth’s movements in its homeowner insurance policies.
  • Terminate infestation. Wood, paper, and dead plants that are connected to soil near your home, welcome hungry terminates in. If there is moisture within your foundation, or poorly ventilated crawl spaces, this provides terminates with the water supply they need to live. They can cause damages and/or destroy supporting beams and other wood features in your home over time. Once again, this is another damage policies do not cover. Prevention: Have a licensed pest control company take a look at your home once a year to make sure it is terminate free!
Posted by Anthony Licciardello on


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