Will My Homeowners Insurance Cover Mold? 
Your homeowners insurance may cover the removal of mold . It depends why there is mold in the first place as to whether they 'll cover it . If they do cover the removal of the mold , they will , most likely , have a limit on the damage . For coverage to be triggered for almost anything there must be a sudden and accidental occurrence that can be pinpointed : Roof damage from wind that let water into the house a burst water pipe or broken water heater There must be a covered cause for why the water entered the home . Only then will your company cover any resulting mold damage . Notice that I said `` resulting '' . Mold damage that appears because of seepage or some other maintenance issue will not be covered . Most companies now limit the amount of money they will spend to clean up mold damage . This will be explicitly stated in your policy and you should be aware of what that limit is . So , once again , there must be a covered cause for the resulting mold damage and there will usually be a limit for how much damage they 'll cover . be smart , read your policy and , above all , find an agent you can trust . 