Mold is a common plague of homes, especially after the seemingly limitless rain and flooding Connecticut has seen lately. Insurance coverage of mold damage, though, is limited.

Insurers began restricting mold coverage several years ago in homeowners' and business insurance policies nationwide, after mold claims mushroomed in Texas and some other Southern and Western states.

The Connecticut Insurance Department doesn't allow home or commercial property policies to exclude or limit mold coverage for damage stemming from fire or lightning.

But the department lets insurers limit coverage for mold damage, testing, and cleanup to $10,000, if the mold results from some other cause that the policy would normally cover. That could be, for instance, a tree damaging a roof and letting in rain that leads to mold.

Mold is subject to your regular deductible, and insurers aren't permitted to set an additional one for mold.

Homeowners insurers aren't allowed to exclude coverage for mold under the liability section of your policy, either. But they can limit it to $50,000.

Commercial insurers can exclude or limit liability coverage for mold.

And by the way, insurers define mold as including any kind of fungus, wet or dry rot, and bacteria.
 

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Pure Air Control Services, Inc.

1-800-422-7873