Churchill Mold Coverage
Nope
United KingdomRead Nov 12 2026
Churchill
- Covered
- Escape of water cover is limited to water or oil escaping from fixed water or heating systems, underground drains and pipes, appliances and storage tanksSource, policy form
- Excluded
- Damage that happens gradually is one of the main things the policy does not coverSource, policy form
- Mold cap
- None printed on our sources
Churchill covers water or oil escaping from fixed systems, drains, appliances and tanks. Damage caused gradually, rot, fungus and failed grout or sealant are not covered.
Insurer website churchill.com
What Is Covered
Escape of water cover is limited to water or oil escaping from fixed water or heating systems, underground drains and pipes, appliances and storage tanks.
We only cover water or oil escaping from
What Is Excluded
Damage that happens gradually is one of the main things the policy does not cover.
Damage that’s caused gradually.
Damage caused by rot or fungus is not covered.
Damage caused by rot, fungus, woodworm, beetles, moths, insects or vermin.
Water damage from failed, worn or missing grout or sealant is not covered.
Damage caused by failure of, wear and tear to, or lack of, grouting or sealant.
How To Make A Claim
Claims can be reported by phone.
Need to claim? 0345 878 6414
Before You Call Churchill
- 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
- Choosing a restoration company, for what to ask a crew before you sign.
- Does homeowners insurance cover water damage, for the sudden versus gradual line most mold claims turn on.