AAMI Mold Coverage
Covered
AustraliaRead Nov 12 2026
AAMI
- Covered
- Mould is covered only when an insured event directly caused it and there was no mould already in that part of the buildingSource, policy form
- Excluded
- Mould and mildew at the insured address are not covered as a general ruleSource, policy form
- Mold cap
- None printed on our sources
AAMI home building insurance excludes mould and mildew unless an insured event directly caused it and there was no mould already in that area. Owners must remove mould as part of keeping the home in good repair.
Insurer website aami.com.au
What Is Covered
Mould is covered only when an insured event directly caused it and there was no mould already in that part of the building.
unless it was directly caused by an insured event and there’s no evidence of pre-existing mould or mildew in the area of the building
What Is Excluded
Mould and mildew at the insured address are not covered as a general rule.
We don’t cover loss or damage caused by, connected with, or arising from, or legal liability for or caused by, connected with, or arising from mould or mildew
Accidental damage cover does not pay for rising damp, mould, mildew or rot.
wear, tear, deterioration, rust, fading, rising damp, mould, mildew, corrosion, and rot
Conditions You Have To Meet
Removing mould is one of the owner's upkeep duties, and AAMI can reduce or deny a claim if duties are not met.
remove mould (see also page 31).
How To Make A Claim
Claims can be made by phone, in the AAMI app or online.
Contact us as soon as possible by calling 13 22 44, using our AAMI App or online.
Before You Call AAMI
- Stop the water and take dated photos before anything is moved.
- Find the mold or fungi wording and any mold limit on your own policy and declarations page.
- Report the claim quickly, since late notice is a common reason claims are denied.
- Keep receipts for drying and repairs you have to do to stop more damage.
Rules That Apply In Australia
Further Reading
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.