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- Does homeowners insurance cover mold? This is a question that we get all the time, and the answer is that it may and it may not. It's not a simple question to answer. For starters, what caused the mold growth? In insurance policies that do include some form of mold coverage, it will extend coverage only to mold growth that develops from an otherwise covered claim. For example, if you have a roof leak and mold develops as a result, your policy may include coverage to address the mold issue as well. It is extremely important, however, to ensure that you schedule mitigation and drying services immediately. Mold that results from failure to properly or adequately mitigate a water issue is generally not covered under the policy. The second consideration is what is covered under your policy as not all policies are the same. While some insurance policies may include mold coverage as part of the base policy, most require that you elect for additional coverage in the form of a mold endorsement. A mold endorsement will add additional coverage to your policy in the event that mold growth results from a covered claim, often setting a specific limit for this coverage. Due to the potential for mold to occur following property damage such as roof leaks and pipe brakes, we always recommend electing for the mold coverage endorsement whenever it is available to you. Would you like to take control of your future and build a business you can be proud of? We can help. As a Disaster Blaster Franchise Partner, our industry experts will help you unlock the potential of the $210 billion restoration industry. Disaster Blaster offers the most revenue streams in the restoration industry, training and support from industry experts, a unique model primed for your success, and more, call our franchise team today to learn more at 242-1042 or visit us on the web at www.DisasterBlasterFranchise.com.