Your comprehensive insurance probably won’t cover mold or mildew
It’s important to make repairs quickly to prevent mold from growing
If mold and mildew have become an issue in your RV, you may need to have it professionally cleaned
If you frequently take your recreational vehicle on the road, you know that some buildup of moisture is probably inevitable, especially if you frequently take your RV to humid places. And sometimes that excess moisture can lead to mildew and mold, which can spread quickly and pose health risks. Unfortunately, RV insurance usually does not cover mold inside the vehicle.
RV insurance exists to cover you if you damage someone or injure them with your RV. Depending on the coverage you add, RV insurance can also cover damage to your RV and even damage to personal items inside the vehicle. But most RV insurance policies won’t cover mold or similar issues, like rust and dry rot.
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If you already have homeowners insurance, you may be aware that homeowners policies usually do not cover mold (unless you can prove that the mold was definitely a result of a covered peril). The same is true for RVs — mold and mildew usually aren’t covered. Because it can be hard to pinpoint the exact cause of mold, it’s hard to determine whether or not it could have been prevented.
To ensure your RV is properly protected, you should look into adding comprehensive and collision coverage to your RV insurance policy. These coverages exist to protect your RV against damage: Collision covers damage sustained in an accident, and comprehensive covers damage caused when you’re not driving, like damage from extreme weather, falling objects, fire, vandalism or theft. But comprehensive most likely won’t extend to cover mold or mildew.
For example, if heavy storms crack your RV’s skylight, that damage could be covered if you have comprehensive coverage as a part of your RV insurance policy. But if water comes in through that crack, and later causes mold and mildew, that mold and mildew most likely would not be covered.
Because mold won’t be covered by your RV insurance, it’s important to take steps to prevent mold and mildew from growing in the first place. That includes:
Mold frequently grows in an RV during the off-season, when it’s stored away for long periods of time. Be sure to routinely check your RV for mold and mildew even when you’re not using it.
The faster you take action, the less the mold and mildew will have a chance to spread. If the mold is pervasive, take your RV to a professional cleaner for a full detail. Ignoring mold or mildew could impact your health and the health of your family and guests.
About the author
Anna Swartz is a Managing Editor at Policygenius in New York City, and an expert in auto insurance. Previously, she was a senior staff writer at Mic, writing about news and culture. Her work has appeared in The Dodo, AOL, HuffPost, Salon and Heeb.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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