Does homeowners insurance cover toxic mold

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In general, homeowners insurance policies do not cover damage caused by mold. However, some policies may cover mold if it is the result of a covered event, such as a burst pipe or natural disaster. It is important to review your policy to determine what is and is not covered.

If you have concerns about mold in your home, it is important to address the issue as soon as possible. Mold can cause health problems and can also cause structural damage to your home if left unchecked. If you suspect that you have a mold problem, you should have the area inspected by a professional to determine the extent of the problem and the necessary steps to remediate it.

If you are unable to get coverage for mold damage through your homeowner’s insurance policy, you may be able to obtain coverage through a separate mold insurance policy or by adding an endorsement to your existing policy. It is always a good idea to carefully review your insurance coverage and consider whether additional coverage may be necessary to protect your home and your family.