Mold Damage Claims in New England

Commercial mold usually follows a water event that wasn't fully dried — behind walls, above ceilings, in HVAC systems that then distribute spores building-wide. In occupied commercial and multi-tenant buildings it also creates tenant-relations and habitability exposure, and it can force partial or full closure during remediation.

A complete claim covers professional remediation, removal and replacement of contaminated materials, addressing the moisture source and affected systems, and any business interruption during the work.

Commercial policies frequently carry a mold sublimit, and carriers work hard to route damage into that low cap rather than treat it as part of the covered water loss. They dispute causation, minimize the extent inside systems and assemblies, and resist covering the business interruption. In a multi-tenant building, they may also try to fragment responsibility.

We connect the mold to its covered cause, document the full extent — including HVAC and concealed spaces — and fight to keep it within the water-loss claim rather than the sublimit. We scope proper professional remediation, insist the moisture source and systems are addressed, and account for the business interruption and tenant impact.

In a commercial building, whether mold sits inside the covered water loss or inside the policy’s sublimit decides the size of the claim. We document the cause and the full extent to keep it where it belongs.