If you live in a humid or flood prone area, better check your homeowner’s policy.
Your insurer may owe no coverage to an insured for mold contamination damages if the policy at issue clearly excludes coverage for mold damage. Insurance companies are protecting themselves with these exclusions, so make sure you read your policy carefully. If necessary, you may need to pay extra to be covered where you are most vulnerable; or you may need to change carriers.
Mary Ellen Rooters v. State Farm Lloyds, No. 10-10943, 5th Cir.; 2011 U.S. App. LEXIS 12306
If you’re in California, you might want to give us a call and see about getting an assessment from Byebyemold.