Does farm bureau insurance cover mold removal?

Answer 1

Homeowners insurance was never meant to cover mold damage or removal. Home insurance is made to cover sudden and accidental occurances. One court case involving a celebrity suing State Farm caused them to have to pay more for mold removal than it cost to build the whole house. The coverage was obviously not there but because of his celebrity status the jury sided with him. Many companies added endorsement to exclude mold coverage even though it wasn't really covered anyway. the mess is that some policies cover mold, some don't, and some exclude the coverage. Mold is no big deal anyway as most homes in the eastern USA has come mold due to humidity. All you need to do is place plastic under your home and spray watered down bleach on any spots of mold you notice.