Coverage for mold remediation under a homeowners insurance policy depends on the cause of the mold and the policy. Homeowners living in flood zones or areas vulnerable to storm surges or hurricanes should invest in flood insurance, as homeowners insurance usually doesn’t cover mold caused by floods or storm surges. However, mold remediation is usually covered when caused by a malfunctioning appliance, including damage to a water heater or HVAC system, unexpected freezing of appliances due to weather, the weight of snow, ice or sleet, and explosions. Learn more about typical homeowners insurance coverage for mold remediation.

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