Did Resident Insurance Policies Cover Mold Problem?It depends upon what caused the policy and the mold protection you have. Molds need water or wetness to grow, but not all reasons for water damage are covered by property owners insurance coverage.
Basic homeowners policies do not cover water damage caused by "upkeep" issues, such as constant or repeated water seepage or humidity, leak or condensation problems, or landscaping or drainage problems. Homeowners policies likewise leave out water damage triggered by floods. Therefore, if among these water or wetness issues results in mold, it would most likely not be covered by your policy.
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Standard house owners policies do cover some kinds of unexpected and abrupt water losses, consisting of burst pipes, and often sewage system back up or sump pump failure if you have that protection. Even if your policy covers these types of water damage, some business have started to particularly omit or limit protection for mold that results.
In Illinois, if mold arises from water damage following a covered fire or lightning loss, the mold damage would be covered, and the total of all damages, including the mold, goes through the complete policy limit.