Mold damage is usually covered in a standard homeowners policy when it results from a covered peril, such as a broken pipe, a storm, or fire suppression efforts, but not when it occurs gradually over time due to wear and tear. Public awareness and scientific knowledge of the health hazards of mold have increased dramatically over the years and techniques for cleaning up mold have become more sophisticated and expensive. As a result, insurers are panicking, refusing to cover mold claims under existing policies and rewriting their policy forms to exclude all coverage for mold, regardless of origin.  The following publications and resources will provide you with more information.


Mold Contamination Insurance Coverage 101: The Basics

Insurance Claim Tips for Mold Damage

Top 10 Insurance Claim Tips


Resources and Links:

Learn About Mold Contamination, Health Effects And Remediation From A Reliable Source. Here are some helpful online links you can click on for information about mold contamination, health effects and remediation. UP does not maintain the information at these sites, and cannot be responsible for their accuracy or completeness.

United States Environmental Protection Agency (EPA): 
Mold Resources
Mold Remediation in Schools and Commercial Buildings

Centers For Disease Control And Prevention (CDC), National Center For Environmental Health:
Questions And Answers On Stachybotrys Chartarum And Other Molds 

Federal Emergency Management Agency (FEMA):
Removing Mold from Your Home

New York City Department of Health, Bureau of Environmental & Occupational Disease Epidemiology:
Guidelines on Assessment and Remediation of Fungi in Indoor Environments.
Facts About Mold


California Department of Health Services: 
Fact Sheets on Indoor Mold and FAQs
Mold Q & A
Indoor Air Quality Info Sheet: Mold in My Home: What Do I Do?
Indoor Air Quality Info Sheet: Stachybotrys chartarum (atra)
Health Effects of Toxin-Producing Indoor Molds in California
Fungi and Indoor Air Quality
Bioaerosols and Green-Waste Composting in California (MS Word)

Colorado Resources:
Flood Clean-up and Mold Prevention

Sanitizing and Drying Out

Washington State Department of Health, Office of Environmental Health Assessments:
Is Indoor Mold Contamination a Threat to Health?

University of Minnesota, Department of Environmental Health and Safety:
Indoor Fungi Fact Sheet
Fungal Glossary

American Academy Of Pediatrics:
Policy Statement Toxic Effects of Indoor Molds

The American Industrial Hygiene Association
Facts About Mold

"The Fungus Among Us: Helpful info and links about health concerns relating to mold"


Read Related Article:
Ms. Ballard's Mold Case - Or, the Case of the Really Bad Screw-Up by An Insurance Company

by Michael K. McCracken, CPCU