Tower Mold Coverage

Covered

New ZealandRead Nov 12 2026

Tower

Covered: Tower pays to repair hidden mould, mildew or rot to the house caused by a leaking water supply or disposal pipe, hose or tankSource, policy form
Excluded: Other gradual damage, including mould, mildew, rot and fungi, is not coveredSource, policy form
Mold cap: NZ$3,000Source, policy form

Stamps read the sourced lines about mold after a sudden leak. Covered means a line says so. Maybe means the line hedges, with words like may or limited. Nope means the lines we found only exclude it.

Tower excludes gradual damage including mould, mildew and rot. Its house policies pay a set amount for hidden gradual water damage from leaking pipes, hoses or tanks, from $1,000 to $3,000 depending on cover level.

5 lines, each checked against its source on November 12, 2026.

Insurer website tower.co.nz

What Is Covered

Tower pays to repair hidden mould, mildew or rot to the house caused by a leaking water supply or disposal pipe, hose or tank.
We’ll pay for the repair of hidden gradual damage, deterioration, mildew, mould or rot to your house occurring during the period of insurance
Tower House Plus policy wording 09/24, policy form, read 2026-11-12

What Is Excluded

Other gradual damage, including mould, mildew, rot and fungi, is not covered.
gradual deterioration including damage arising from or involving action of micro-organisms, atmospheric or climatic conditions, corrosion, fungi, rust, rot, mildew, mould
Tower House Plus policy wording 09/24, policy form, read 2026-11-12

Dollar Caps On Mold

Hidden gradual water damage is capped at $3,000 on Premium, $2,000 on Plus and $1,000 on Standard cover.
Hidden gradual water damage to your house $3,000 $2,000 $1,000 $2,000
Tower House Plus policy wording 09/24, policy form, read 2026-11-12

How To Make A Claim

Claims can be made by phone or online.
Call us or go online to tower.co.nz to make a claim
Tower House Plus policy wording 09/24, policy form, read 2026-11-12

Good To Know

Tower explains that gradual damage includes mould and slow leaking pipes.
Gradual damage can be caused by a number of things like wear and tear, mould, a slow leaking pipe, rot, or corrosion.
Tower translates, gradual damage, insurer page, read 2026-11-12

Before You Call Tower

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.