Mold coverage

Dec 6, 2017

Nationwide® Private Client’s homeowners policy provides limited coverage for mold damage under additional property coverage for biological deterioration or damage clean up and removal. 

Water damage is the number-one cause of avoidable loss for homeowners and the number-two cause of loss overall.¹ Where there is water, there is the potential for mold. When excessive moisture accumulates in buildings or on building materials, mold growth will often occur. Leaking water can also create high humidity conditions, which are ideal for mold.

During and after water damage is the perfect environment for mold to develop. Under the right conditions, mold can begin to form within 24 to 48 hours.² Until you take steps to eliminate the source of the moisture, mold will continue to flourish.

There is potential for mold growth anytime there is water damage in your home. Here are a few common causes of water damage (this list is not all inclusive):

  • Sewage back-up
  • Plumbing or roof leaks
  • Overflows from sinks or bathtub
  • Frozen pipes

Why it’s important for you

Mold is a problem and can occur relatively quickly. With the presence of moisture, mold can grow on wood, drywall, ceiling tiles, carpet, fabric and upholstery, causing significant damage to your home and puting your health at risk.

Imagine your newly remodeled kitchen has a leak in the ceiling over the refrigerator. You go down to the basement, and you feel water between your toes on the carpet. You can’t find the source of the water, so you make a few holes in the wall. Finally, you discover the source of the leak. The leak is in the hot water line, and upon discovering the leak you also discover mold. Not only is mold on the walls with water damage, but mold spores have traveled to adjacent walls.

Will your homeowners policy respond?

How Nationwide Private Client responds

If the water damage is deemed a covered loss under Nationwide Private Client’s homeowners policy, there is coverage for the water damage and for specified costs to test, tear out and clean up the resulting mold.

Nationwide Private Client’s homeowners policy provides a baseline $10,000 coverage limit — which may be increased up to $100,000 — for mold. Our policy also allows up to 180 days to report any mold damage to us after it is first discovered. If a covered cause of loss results in mold damage to property covered under the policy, our biological deterioration or damage clean up and removal coverage pays, up to the amount shown on the declarations, for:     

  • The cost to clean up, remove and dispose of the mold damage to covered property.
  • The cost to tear out and replace any part of the building or other covered property needed to gain access to the mold damage.
  • The cost of testing performed in the course of clean up and removal of the mold damage from the residence premises.
  • Additional living expenses you may incur, as outlined under the additional living expense coverage, that results from the items listed above.
  • If the covered loss exceeds $50,000, we will also waive the deductible with our optional protection endorsement. 

Why Nationwide Private Client

Nationwide Private Client is dedicated to helping protect our client’s assets. Our highly-personalized insurance products, services and concierge-style claims service are thoughtfully designed to meet your distinctive needs.

Nationwide Private Client offers these added benefits:

  • Claims — Exceptional claims handling provided by Nationwide Private Client.
  • Financial strength — Nationwide, a Fortune 100 company,³ is one of the largest and strongest diversified insurance and financial services organizations in the U.S. and is rated A1 by Moody’s and A+ by both A.M. Best and Standard & Poor’s.?
  • Charitable giving — Nationwide Private Client demonstrates a commitment to local communities through it Partners in Giving program, helping numerous lives each year. This supports Nationwide's belief in being a good corporate citizen where we work and live. Since 2000, the Nationwide Foundation, a nonprofit, private foundation has contributed more than $400 million to charitable organizations across the U.S.

Additional resources

Read our Risk Solutions Series articles about mold and water damage at to find out more.


1ISO®, a Verisk Analytics® business.
3Based on revenue, Fortune (June 2016).
4Ratings affirmed 7/21/16 by Moody’s, 7/7/16 by A.M. Best and 5/24/17 by Standard & Poor’s.


Download: Mold coverage

Products underwritten by Nationwide Mutual Insurance Company and Affiliates including Crestbrook Insurance Company. Home Office: One Nationwide Plaza, Columbus, OH.

© 2017 Nationwide Mutual Insurance Company and Affiliated Companies. All rights reserved. Home Office: One Nationwide Plaza, Columbus, OH 43215-2220.