How To Know If Your Homeowners Policy Covers Mold Damage 

Mold damage is a significant concern for many Texas homeowners, especially with the state’s humid climate and the risk of water-related incidents. Cavender Insurance Agency can help review your homeowners insurance policy and answer your questions about coverage for mold damage.

Mold Damage and Why Coverage Is Important

Mold is a fungus that grows in damp, humid places. It can appear quickly after water damage from storms, plumbing leaks or flooding. Mold can harm your home’s structure and belongings and may also affect your family’s health. Because of these risks, knowing how your insurance policy addresses mold issues is essential.

How Homeowners Insurance Usually Handles Mold Damage

In Texas, most standard homeowners insurance policies have specific rules about mold coverage. Mold damage may be covered only if it is caused by a covered peril, such as sudden and accidental water damage from a burst pipe. Mold caused by long-term leaks, poor maintenance or flooding is often not included. Common policy details include:

• Limited coverage—Some policies provide a set amount for mold damage.
• Exclusions—Many policies do not cover mold caused by neglect, ongoing leaks or flooding.
• Optional endorsements—You may be able to add extra mold coverage to your policy for an additional cost.

Steps to Review Your Coverage

To avoid surprises, consider these steps:

1. Check your homeowners insurance documents for information about mold, including exclusions and limits.
2. Look for references to water damage, since this often affects mold coverage.
3. Contact our team to discuss your policy and ask about available endorsements or higher limits.
4. Address maintenance issues quickly to lower the risk of mold and possible claim denials.

We’re Here to Help

If you have questions about your coverage or want to learn about additional options, the team at Cavender Insurance Agency is ready to assist. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.