Steps you can take to prevent household mold

Q: Can I file a claim on my homeowner's insurance for the mold infestation in my bathroom? 

A: Homeowner's insurance does not cover mold issues! Homeowner's insurance is designed to protect you from the risks of sudden, unexpected accidents. Many California homeowner's insurance policies specifically exclude coverage for mold damage. That's because insurance carriers consider mold to be a maintenance issue. 

There are many steps you can take to fight mold in your home, including: 

• Keep all counter and floor surfaces free of debris that could harbor or foster mold. 
• Address any water intrusion issues as soon as possible. These include roof leaks, drips, plumbing leaks, discoloration of walls or ceiling. 
• Install and use fans in all bathrooms for use when showering and bathing. Install exhaust fans in your kitchen for use when cooking, dishwashing or cleaning. 
• Take care to close all windows and exterior openings to prevent rain and sprinklers from getting water inside the home 
• Always clean and dry any moisture that develops on windows and windowsills as a result of atmospheric condensation. 
• Be careful with houseplants. They can leak into the surfaces below them without some kind of protective barrier. 
• Vacuum carpets and clean floors regularly. 
• Regularly clean and disinfect the interior of in-home trash cans. 
• Operate your ceiling fans to circulate air within your home on a daily basis. 
• Sunlight can help kill and prevent mold, so open your blinds every now and then. 
• Don't stuff your closets full -- make sure there is space between any item and the wall so that air can circulate in these small, confined spaces. 
• If you have an aquarium, keep a cover on it to prevent water evaporation that makes it easier for mold to spread.