Admiral Mold Coverage
Nope
United KingdomRead Nov 12 2026
Admiral
- Excluded
- Buildings cover does not pay for damage that happens gradually, through wear and tear or from a lack of maintenanceSource, policy form
- Mold cap
- None printed on our sources
Admiral does not pay for damage that happens gradually or from a lack of maintenance, and it names mildew and rot among gradual causes. Leaks from faulty grout or sealant are not covered.
Insurer website admiral.com
What Is Excluded
Buildings cover does not pay for damage that happens gradually, through wear and tear or from a lack of maintenance.
Loss or damage that happens gradually, through wear and tear or due to a lack of maintenance.
Water leak claims caused by grout or sealant that was badly applied, faulty or failed are not covered.
Grout or sealant that hasn’t been applied properly, is faulty or has failed.
The list of gradual causes that are not covered includes mildew along with rust and corrosion.
Mildew, rust or corrosion.
How To Make A Claim
Claims can be made through My Account on the Admiral website or by phone.
Call our Claims Department on 0333 220 2035.
Before You Call Admiral
- 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 United Kingdom
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.