Does my insurance cover mold damage?

Standard homeowner's insurance typically does not cover mold damage caused by long-term moisture, humidity, or lack of maintenance. However, if mold results from a covered peril like a burst pipe or fire suppression, the resulting mold remediation may be covered. Many policies have specific caps on mold coverage, often $5,000 to $10,000. Some insurers offer mold endorsements for additional coverage. Promptly addressing leaks and moisture issues is your best defense since delayed repairs may be excluded as negligence.