Can I claim on house insurance for mold?

You can claim mold damage on house insurance only if it results from a covered peril, such as a sudden pipe burst, appliance overflow, or water damage caused by a storm. Insurance companies typically exclude mold caused by gradual leaks, humidity, or poor maintenance. To qualify for coverage, the mold must be directly linked to an event listed in the policy, and the homeowner must take prompt action to report and repair the damage. Some insurers provide limited mold coverage or optional policy add-ons, which may help pay for cleanup, testing, and related repairs if the cause meets coverage terms.