AA Insurance Mold Coverage
Covered
New ZealandRead Nov 12 2026
AA Insurance
- Excluded
- Mould, mildew, rot and fungi that happened gradually are not coveredSource, policy form
- Mold cap
- NZ$5,000Source, policy form
AA Insurance excludes mould, mildew and rot that happens gradually. It will contribute up to $5,000 for hidden mould or rot caused by a hidden ongoing leak from pipes, tanks or waste disposals.
Insurer website aainsurance.co.nz
What Is Excluded
Mould, mildew, rot and fungi that happened gradually are not covered.
rot, mould, mildew, fungi, or smoke damage that has happened gradually
Dollar Caps On Mold
AA Insurance pays up to $5,000 toward hidden rot, mould or mildew damage to the home.
We will contribute a maximum of $5,000 towards damage to your home caused by rot, mould, mildew or deterioration that isn’t immediately visible.
Conditions You Have To Meet
The hidden damage must come from a hidden ongoing leak or overflow of water pipes, tanks or waste disposals, and must not have been visible.
The damage must result from a hidden ongoing leak or overflow
How To Make A Claim
Claims questions go to a dedicated phone line.
For claims queries, call us on 0800 500 216.
Before You Call AA Insurance
- 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 New Zealand
Further Reading
- Does homeowners insurance cover water damage, for the sudden versus gradual line most mold claims turn on.
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.