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Exactly how Do I Know if My Home owners Policy Will Include Mold? Read your policy and all endorsements. Some companies have taken actions to prevent or limit their direct exposure to mold claims by: Omitting all protection for mold-related damage (except mold that arises from a covered fire/lightning loss as mentioned above). http://cleanproguttercleaning.com/gutter-cleaning-rochester-mn/ Excluding all coverage for mold-related claims, however offering buy-back endorsements, which offer some mold protection if you pay additional money. Supplying a minimal quantity of coverage for mold-related claims, either by limiting the amount of loan offered to pay mold-related claims (e.g. $5000); or by paying for some mold-related expenses, such as clean-up, and omitting others, such as remediation and testing. Providing coverage for mold-related claims in the policy and increasing the cost of the policy to pay for expected costs. Positioning tighter restrictions on what kinds of houses they will insure, such as declining to insure houses that have suffered previous water damage, or houses that are built of particular building and construction products such as artificial stucco. Contact your insurance representative or business for more descriptions if you're unsure whether you have mold protection or the quantity of coverage you have. Regardless of whether your insurance coverage pays for any mold claims, you should take steps now to prevent mold growth in your house due to upkeep concerns, and act quickly when water losses occur.