The truth is, most homeowners don’t think twice about their mold coverage — until it’s too late.

One homeowner we worked with had a $25,000 mold limit. At the time, she thought that was more than enough. But when she filed a claim after a hidden leak led to a full-blown mold infestation, her total mold-related damages and remediation costs came out to nearly $50,000. That meant she had to pay the remaining $25,000 out of pocket.

‍

So how much mold coverage is enough?

‍
As much as your insurance company will allow.

Mold is one of the most expensive, invasive, and slow-developing issues a homeowner can face — and it’s almost always tied to water damage, which isn’t always immediately discovered. Depending on the extent of contamination, cleanup can involve:

• Specialized containment
• Demolition and rebuild of affected materials
• Air quality testing
• Temporary relocation costs
• Full system cleanouts (HVAC, ducts, etc.)

Some policies cap mold coverage at $5,000–$10,000. Others allow you to buy up to $50,000 or more.

‍

Our advice:

‍
If your carrier offers higher limits, strongly consider increasing your coverage. It’s a small cost now that can save you tens of thousands later.

‍

And if you’re not sure what your current limit is, we’ll gladly review your policy and help you make sense of your options — before there’s a problem.

‍