Does homeowner insurance cover black mold?

Answer 1

Your homeowner's policy typically has what is called "all risk" coverage with specific exclusions. What is typically covered by your homeowner's policy is damage that occurs suddenly and accidentally. Since any kind of mold requires time to grow, it doesn't meet the "suddenly and accidentally" criteria. In addition, coverage for mold is usually listed in the exclusions of your homeowners insurance policy. Most likely, the reason for the specific exclusion is that mold can be prevented through proper construction, when using the proper materials and having proper ventilation.

The only way I can see having mold removal covered by your insurance is if your home flooded and then it developed black mold before you were able to have the damage repaired. Review your homeowner's policy and talk to your insurance agent so you aren't in for any surprises should the unthinkable happen and you are faced with mold in your home.