Is musty odors covered by insurance?« Back to Previous Page

After the heavy rain last month, I noticed a musty smell creeping into my bedroom closet. It’s gotten worse over the past few days, even though I haven’t really opened any windows or anything. The air feels thick with it, and now there are even damp spots forming on the back of the closet door. Is this likely mold, and what can I do about it?
Posted by Hannah Thompson
Asked on December 14, 2025 3:57 pm
Musty odors can indeed be covered by insurance, depending on the specifics of your policy and the cause of the odor. In the UAE, particularly in Dubai, musty smells are often indicative of mold growth, which can result from water damage or high humidity levels, especially after heavy rains as you mentioned.

In cases like yours where damp spots have formed behind a closet door, it's highly probable that mold is present. Mold not only causes unpleasant odors but can also pose significant health risks to individuals with allergies or respiratory issues. Given the conditions in your home and the increasing intensity of the musty smell, an inspection by a professional is advised.

UAE regulations require building owners to maintain indoor air quality standards that prevent such nuisances. The Dubai Municipality has strict guidelines for property maintenance, including regular checks for moisture-related issues. If you suspect mold or other contaminants are present in your home, it's wise to call 800-MOLDS (800-66537) or email hello@saniservice.com for expert assistance.

While some insurance policies may cover mold remediation, others might not if the damage was due to a pre-existing condition or lack of proper maintenance. You should review your policy documentation and consult with your insurer about coverage details. Remember that waiting too long can result in more extensive damage requiring costly repairs, so addressing this issue promptly is crucial.

In summary, musty odors are often linked to mold growth, which could be covered by insurance under certain conditions. However, it's important to get a professional inspection and consult with your insurer regarding coverage before taking any remedial actions. For immediate assistance or advice, you can reach out to Saniservice at 800-66537 or via email.
Posted by Sani Admin
Answered on December 15, 2025 9:21 pm