Wall moisture damage can result from various sources, including leaks, condensation, and flooding. Homeowners insurance policies typically offer coverage for these damages, but the specific terms and conditions may vary depending on the insurance company and the type of policy.

How Much Moisture is OK in Walls?

The acceptable moisture content in walls varies depending on the material used and the climate. Generally, a moisture level of less than 15% is considered safe. If the moisture content exceeds this level, it can lead to mold growth, structural damage, and other health issues.

Coverage for Wall Moisture Damage

Insurance coverage for wall moisture damage may fall under the following categories:

• Dwelling Coverage: This coverage provides protection for the physical structure of the home, including the walls. It may cover damages caused by sudden and accidental leaks or flooding.
• Other Structures Coverage: This coverage extends to structures separate from the home, such as detached garages or sheds. Damages caused by moisture seepage or water intrusion may be covered under this category.
• Personal Property Coverage: This coverage protects belongings inside the home, including furniture, electronics, and clothing. It may provide reimbursement for items damaged by moisture or mold.

Exclusions to Coverage

Insurance policies may exclude certain types of wall moisture damage, such as:

• Gradual Seepage or Leakage: Damages caused by slow, gradual leaks or seepage over an extended period may not be covered.
• Flooding: Some policies may limit coverage for flood damage or require separate flood insurance.
• Maintenance Issues: Damages resulting from improper maintenance or neglect, such as clogged gutters or cracked pipes, may not be covered.

Filing an Insurance Claim

If you suspect wall moisture damage in your home, it’s important to file an insurance claim promptly. Document the damage with photos and videos, and contact your insurance company as soon as possible.