Does Homeowners Insurance Cover Mold Damage?

Is Mold Covered by Homeowners Insurance? 🏠🦠

Water damage is stressful enough—but what if mold starts spreading afterward? One of the top five questions homeowners ask is: “Will my insurance cover this?” In this video, we break down when mold is typically covered, when it’s not, and what you can do to protect your home and your wallet.

✔️ When mold is covered: sudden, accidental events like burst pipes or water heater leaks
✔️ When mold isn’t covered: gradual leaks or preventable maintenance issues
✔️ Optional coverage add-ons for hidden water damage and seepage
✔️ Why reporting damage quickly is critical for getting claims approved
✔️ Trailstone’s advice on avoiding costly denials

💡 Mold grows fast—and claims can be tricky. Knowing what your policy covers can save you thousands in cleanup and repairs.