Definition
Mold coverage is an optional endorsement because standard policies exclude or limit mold coverage. Mold remediation is expensive without it.
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Standard homeowners policies exclude or severely limit mold coverage. Mold can grow following water damage and cause significant health issues and property damage. Mold coverage endorsements vary widely in terms of covered causes, damage limits, and remediation coverage. Some policies cover all mold damage while others exclude specific causes. Mold remediation can cost $10,000+ depending on extent. This coverage is valuable in humid climates or areas with water damage risk.
Pro Tip
Verify your policy's mold coverage and add endorsements if limited.
Example
Mold coverage paid $12,000 for remediation and $8,000 in structural damage after a roof leak caused extensive mold growth.