1. When is mold damage covered?

Most home policies cover sudden and accidental water damage. Examples would include a burst pipe, toilet overflow, or broken washer hose. If mold develops on a damaged item, it would be covered.

2. When is mold not covered?

Most home policies don’t cover water damage from gradual leaks or seepage, and that includes damage from mold. Mold from a flood would not be covered because home policies don’t cover floods. You would need a separate flood policy.

3. Adding coverage for mold cleanup

Most home policies don’t include mold cleanup and testing after a damaged item is removed. Your insurance company may let you add coverage for cleanup caused by a covered loss. Your agent can tell you what options are available.

4. How to prevent mold

  •  Stop the water flow as soon as you can.
  • Dry the area immediately. Mold can start growing in one day.
  • Move wet items to a dry room or an area with fresh air.
  • Pull up wet carpets, padding, and rugs.
  • If you can’t dry the area yourself, use a service that specializes in cleaning up water damage.

5. Filing a mold claim

If you file a claim for mold removal, here are some tips:

  • Make sure the mold professional has a state license.
  • You’ll need an inspection to show that mold was removed and that you fixed the problem that caused it.
  • Mold professionals must provide a certificate that the mold was removed.


Source: Texas Department of Insurance