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What caused the joist to break? If the damage was caused by a covered loss, then it will be covered. If you know the cause of the damage, review your policy to determine if the loss is covered. You can review the Perils Insured Against section of your policy to determine what losses are covered. If you do not know the cause of the loss you might want to retain an engineer to make that determination. Regarding the mold issue. Most policies cover mold up to a certain limit, usually $10,000.00. Call your agent or review the declarations page to determine the limits for mold.
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Earn +20 ptsQ: Will home owners insurance cover a broken main joist and mold?
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