Direct Line Mold Coverage
Nope
United KingdomRead Nov 12 2026
Direct Line
- 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
- Any damage that happens gradually is not coveredSource, policy form
- Mold cap
- None printed on our sources
Direct Line covers water or oil escaping from fixed water and heating systems, drains, appliances and tanks. It does not cover damage caused gradually, rot or fungus, or leaks from failed grout or sealant.
Insurer website directline.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
Any damage that happens gradually is not covered.
Any damage 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 made online at directline.com/claims or by phone.
Need to claim? 0345 246 8585
Before You Call Direct Line
- 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
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.
- Choosing a restoration company, for what to ask a crew before you sign.