does homeowners insurance cover mold

Homeowners insurance covers mold only when it results from a sudden, covered water event — a burst pipe, appliance failure, or roof damage during a storm. Mold from slow leaks, chronic humidity, or maintenance neglect is excluded. Most policies also cap mold coverage at $5,000–$10,000. This LA guide covers exactly when your policy applies, how to document the causal water event to protect the claim, and what to do when the policy cap doesn’t cover your actual remediation cost. Call (818) 336-1800.