Insurance companies generally define fungi as including, but is not limited to, any type or form of mold, mushroom, yeast or mildew whether or not it is toxigenic, allergenic, or pathogenic, and any gas, vapor or substance arising out of or emitted from or produced by, any spore or fungi or resultant allergens, pathogens or mycotoxins.

Fungi damage is often a result of marijuana grow operations. This damage would not be covered in an insurance claim as this is a criminal act. Often the insurance companies will require that the new landlord check the property on regular intervals with an eye towards possible criminal activity.

Damage from fungi can also occur after a water loss. After a water loss has occurred it is important to ventilate and dry areas by opening windows and doors or use fans and dehumidifiers. If this is not effective in removing all the moisture then materials will have to be removed. This can be very expensive.

When fungi is involved the insurance company is going to look hard at how it occurred. If it is a situation that has developed because of a slow seepage then it is not likely to be paid under insurance. If the fungi is a problem due to a sudden and accidental influx of water then it is a different story.

Talk to your adjuster, agent or broker about the limitations of coverage under your home or business insurance policy. Take control of your insurance.