top of page

Does Homeowners Insurance Cover Mold Testing?

The short answer, Yes. Homeowners insurance does cover mold, typically up to $10,000 per occurrence. This includes mold testing, mold inspection, and mold remediation. Mold can be a troubling issue in any home, especially after incidents of water damage or flooding. It's crucial for homeowners to understand the intricacies of their insurance policies regarding mold testing and remediation. Fortunately, many homeowners insurance policies provide significant coverage for these services, which can help mitigate the costs and ensure a thorough response to potential mold issues.

Homeowners Insurance and Mold Coverage

Typically, a standard homeowners insurance policy includes coverage for mold damage if it is a result of a "covered peril," such as water damage from a burst pipe. It’s important to note that most policies will have at least basic mold coverage, which is commonly around $10,000. This amount is generally adequate to cover professional mold testing and remediation services, depending on the extent of the damage and the size of the affected area. If you need help understanding your situation and whether your insurance is likely to cover and pay for mold damage in your home, schedule a consultation with United Mold Inspections today at 954-406-0486 or schedule online here.

The Necessity of Mold Testing After Water Damage

Mold testing is not just advisable; it’s essential following any significant water intrusion, be it from flooding, leaks, moisture, humidity or condensation problems. Water-damaged environments can promote mold growth within 24 to 48 hours, posing risks to property and health. Timely mold testing helps identify the type and extent of mold present, guiding effective remediation strategies that ensure the home is safe and restoring air quality.

Direct Insurance Billing: A Cost-Effective Solution

Understanding the potential financial burden of mold testing and remediation, United Mold Inspections offers an invaluable service for homeowners. We provide mold inspection and testing services at no cost to the homeowner, and directly bill the insurance company for our services. This arrangement means homeowners can receive these services with no out-of-pocket expenses, ensuring that financial constraints do not delay essential mold testing and remediation.

United Mold Inspections works closely with insurance carriers and assigned claims adjusters to streamline claims and ensure that all necessary documentation is provided, from detailed reports on the mold’s extent to the recommended remediation. This not only facilitates a smoother claims process but also expedites the initiation of mold removal efforts.


Homeowners facing mold issues after water damage should immediately check their insurance policies for mold coverage and contact a reputable mold inspection service like United Mold Inspections. By leveraging insurance coverage and relying on professionals who handle the insurance billing directly, homeowners can address mold issues promptly and effectively, ensuring their home remains a safe and healthy environment. Remember, quick action is crucial to prevent mold from spreading and causing more significant damage and health problems.

Call United Mold Inspections at 954-406-0486 to schedule a mold inspection, or click here to schedule online.


bottom of page