Will Homeowners Insurance Cover Mold? 
Great question ! After the great media `` black mold '' scare a few years back -LRB- yes , black mold is bad , as is most mold and fungi -RRB- most insurers quietly cut that coverage out of their homeowners policies . That is especiallytrue in the humid southern states , where mold is difficult to prevent . There may be a small amount of damage that is covered in your specific policy , so it is well worth your time to contact your agent and find out . If your policy has been in force for many years , it may also be a covered item , if the company had n't amended your policy along the way . Contact your agent , and they can tell you for certain . Good luck , and thanks for asking ! 