mold insurance coverage 21

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Mold insurance coverage is tricky because most standard homeowners policies exclude it, especially if the mold results from a slow leak or high humidity. You often need a separate endorsement or a special policy that specifically lists mold as a covered peril. Even then, coverage limits are usually low, like $10,000. If the mold stems from a sudden event, like a burst pipe, some policies might help, but you'll need to read the fine print carefully.