The short answer
Mold resulting from a sudden covered water loss is paid up to a mold sub-limit (typically $5K–$10K, sometimes higher in TX and FL). Mold from long-term humidity, seepage or neglect is excluded.
Frequently asked
- Can I buy higher mold limits?
- Yes — endorsements up to $50K are available in most states for $50–$200/year.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription