How to claim mould damage on home insurance

When mould is usually covered

Insurers generally cover mould when it's the result of a sudden, insurable event — a burst pipe, a storm, a roof leak, a washing machine hose letting go. Mould that's grown slowly from poor ventilation or ongoing condensation is usually treated as maintenance and excluded.

Do this straight away

The first 48 hours matter more than anything else.

• Photograph everything before you touch it — wide shots and close-ups
• Take photos of the source (the pipe, the ceiling, the wet carpet)
• Keep receipts for anything you spend, including emergency plumbing
• Don't throw damaged items out until the insurer has seen them
• Report the claim as soon as you can and note the claim number

What the insurer actually wants

A verbal description doesn't cut it. A detailed inspection report from a qualified mould technician is what moves a claim along quickly.

• Moisture readings and thermal imaging showing the affected areas
• Full photo documentation with locations noted
• A written scope of work and remediation plan
• A clear opinion on the likely cause and timeline
• A fixed price for the treatment

We write the report for you

Our inspection reports are built specifically for insurance claims and every major insurer accepts them. Call 0428 514 635 and we'll get one done for you fast.