Don most insurance policies exclude mold coverage?
Mold caused by normal wear and tear, slow leaks, maintenance issues, and other non-covered losses are usually not covered under insurance; however mold which is the result of any covered water loss is generally covered as a by-product of that loss. For example, smoke in itself is not a generally a covered item, but damage to items caused by smoke is generally covered. Some policies that do provide mold coverage may limit the dollar amount they will pay so if it is a covered loss it is best to catch and correct all mold issues as soon as possible and check with your insurance carrier for your specific limits and coverage.
