Is mold water covered by insurance?« Back to Previous Page

After the heavy rain we had last month, I noticed a persistent musty smell in the basement. The walls seem damp despite using dehumidifiers, and there’s a small area where water has pooled near the window even though it hasn't rained for days. Could this be mold? What can I do to prevent it from recurring?
Posted by Khalid Malik
Asked on December 27, 2025 9:37 am
Mold water can indeed pose significant health risks and property damage. In the UAE context, particularly within Dubai, mold growth due to excess moisture is a common issue following heavy rainfall or flooding events. The presence of mold water necessitates immediate attention to prevent further spread and potential structural damage.

Insurance coverage for mold-related issues varies significantly among insurers in the UAE and can be influenced by factors such as the cause of the water intrusion, the extent of damage, and whether preventative measures were taken. According to local regulations, insurance policies must cover damages resulting from natural disasters, but it is essential to review policy specifics closely.

For instance, if mold growth occurs due to a burst pipe or other covered event, your property insurance might cover remediation costs. However, if the issue arises from non-covered events such as improper maintenance leading to water leaks, coverage may be limited or excluded altogether. It's crucial to consult your insurer to understand exactly what is and isn't covered under your policy.

When dealing with persistent dampness in your basement, it would be prudent to conduct a professional inspection. Contacting 800-MOLDS or 800-66537 for an assessment can provide valuable insights into the extent of mold growth and necessary remediation steps. Saniservice.com offers comprehensive services including inspections, testing, and remediation tailored specifically for Dubai's climate conditions.

To prevent recurring issues, focus on proper ventilation, ensuring that your dehumidifiers are functioning effectively, and addressing any potential water sources such as leaking pipes or inadequate drainage systems promptly. Regular maintenance of your home’s waterproofing can also significantly reduce the risk of mold growth.

In summary, while insurance may cover some aspects of mold damage, it is always advisable to take proactive steps to prevent issues from arising in the first place. Should you encounter any concerns regarding mold water or need assistance with remediation, do not hesitate to reach out for professional help.
Posted by Sani Admin
Answered on December 30, 2025 8:49 am