Did Resident Insurance Policies Include Mold Damage?It depends upon exactly what triggered the policy and the mold coverage you have. Molds require water or moisture to grow, however not all reasons for water damage are covered by property owners insurance plan.
For example, basic property owners policies do not cover water damage brought on by "maintenance" issues, such as constant or repetitive water seepage or condensation, humidity or leakage problems, or landscaping or drainage issues. Homeowners policies also leave out water damage brought on by floods. For that reason, if one of these water or wetness problems leads to mold, it would most likely not be covered by your policy.
gutter cleaning austin tx Standard house owners policies do cover some types of sudden and unexpected water losses, including burst pipes, and in some cases sewer back up or sump pump failure if you have that protection. Even if your policy covers these types of water damage, some companies have started to particularly limit or exclude coverage for mold that results.
In Illinois, if mold results from water damage following a covered fire or lightning loss, the mold damage would be covered, and the total of all damages, including the mold, undergoes the full policy limitation.