How much does homeowners insurance pay for mold removal?
When mold is covered
Policies generally exclude mold, fungi, and rot, then give back limited coverage when the mold is caused by a covered peril. A hail-damaged roof that leaks into the attic and is reported promptly is the kind of loss that can qualify. A slow leak that went on for months usually does not.
The sublimit
Many policies or endorsements cap mold remediation at a set dollar amount per claim or per policy year. Look on your declarations page and in the endorsements for words like fungi, wet or dry rot, or bacteria. That cap often has to cover testing, tear-out, and remediation together, so ask your agent what yours is before you need it.
What helps a mold claim
- Act fast. Dry out wet materials quickly; policies expect you to prevent further damage.
- Document the source. Photos tying the leak to storm damage on the roof support coverage.
- Keep the timeline. Note the storm date, when you found the leak, and when you reported it.
- Use qualified remediators. Keep their moisture readings, photos, and invoices.
Why the roof matters
If the roof is not fixed, the mold will come back, and later damage may be denied as neglect. Get the roof leak repaired or tarped as part of the same claim.
Related: interior water damage from a roof leak, your duty to mitigate, and the date of loss.