Does Homeowners Insurance Pay For Mold? 
Mold is often specifically excluded in homeowners policies . Some companies place a monetary limit on the damages from mold . The underlying concept is that mold is present in every building but that moisture is required to activate the spores . Seeping water is also excluded as this is considered a maintenance issue . Mold is not sudden . If you suspect mold you need to contact an industrial hygienist to determine if mold is actually present and then have it removed . In the process the remediation contractor will likely discover the source of the moisture . As a preventative step replace washer hoses and the lines to the water dispenser in your refrigerator every few years . These are notorious sources of seeping water . 