It depends. Mold growth caused by maintenance-related issues, including faulty gutters, hidden plumbing leaks, or aging roofing shingles, typically won't be covered. On the other hand, insurers generally approve claims for mold remediation related to catastrophic events, such as storm damage, fallen trees, vandalism, and frozen pipes. The answer usually depends on whether the problem was preventable and whether the incident involved flooding or a named exclusion.