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How Do I Know if My Homeowners Coverage Will Cover up Mold? Read your policy and all endorsements. Some companies have actually taken actions to prevent or limit their direct exposure to mold claims by: Omitting all protection for mold-related damage (except mold that results from a covered fire/lightning loss as stated above). Leaving out all coverage for mold-related claims, but providing buy-back recommendations, which supply some mold protection if you pay additional loan. Providing a restricted quantity of protection for mold-related claims, either by restricting the quantity of loan offered to pay mold-related claims (e.g. $5000); or by paying for some mold-related expenditures, such as clean-up, and excluding others, such as removal and testing. Providing coverage for mold-related claims in the policy and increasing the rate of the policy to pay for awaited costs. Positioning tighter restrictions on exactly what type of homes they will guarantee, such as choosing not to insure houses that have suffered previous water damage, or houses that are built of certain building and construction products such as artificial stucco. Contact your insurance agent or company for more descriptions if you're unsure whether you have mold protection or the amount of protection you have. Regardless of whether your insurance pays for any mold claims, you need to take actions now to prevent mold growth in your house due to maintenance issues, and act quickly when water losses occur. http://cleanproguttercleaning.com/gutter-cleaning-toledo/