Short answer: A musty smell, dark stains, damp spots and allergy symptoms that get worse in one room are the main signs. Carpet and pad that stayed wet for more than 48 hours, or were soaked by dirty water, usually need to be replaced.
Carpet pad soaks up water and holds it out of sight. If it does not dry quickly, mold can grow underneath long before you see anything on top.
Signs of mold under carpet
- A musty or earthy smell, often stronger after you walk on it
- Dark or discolored spots on the carpet
- Carpet that stays damp or feels cool to the touch
- Stains on the baseboards nearby
- Allergy symptoms that get worse in that room

Why it happens
- A leak or flood that was not dried within 24 to 48 hours
- A basement or slab floor with moisture coming through
- High indoor humidity
- Spills or pet accidents that soaked the pad
Check it safely
- Wear gloves and a mask
- Lift a corner of the carpet near the smell or stain
- Look at the pad and the floor underneath for spots or dampness
- Put it back and keep the room ventilated
Can it be saved?
Small areas from a clean water spill that dried quickly can sometimes be cleaned. Pad that grew mold, carpet soaked by sewage or flood water, and carpet that stayed wet for days should be replaced, and the floor underneath cleaned and dried.
When to call a professional
Call a mold removal company if the area is larger than about 10 square feet, the smell is strong, or the water was dirty. They can find the moisture source and remove the carpet safely.
Frequently asked questions
Can I just clean the top of the carpet?
Not if mold is in the pad. It will keep growing underneath.
Does homeowners insurance cover mold under carpet?
Sometimes, if it came from a sudden covered leak. Slow leaks and humidity are usually not covered.
How do I prevent it?
Dry any spill or leak fast, keep humidity under about 50 percent, and use a vapor barrier in basements.
Related
Read our carpet water damage page and our mold after water damage guide.
For more background, see the EPA mold pages, and if you need help, Sifixit can connect you with a local provider.
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