Hidden Mold And Slow Leaks
How the standard form treats hidden mold and seepage, and the Texas 30 day reporting rule.
Hidden Mold, Slow Leaks And Seepage
HO 00 03 covers hidden mold behind walls, under floors or above ceilings when it comes from an accidental leak from plumbing, heating, air conditioning, sprinklers or an appliance.
if such loss results from the accidental discharge or overflow of water or steam from within
HO 04 27 excludes damage from constant or repeated seepage, humidity or condensation over weeks, months or years unless it was hidden and unknown to you.
Caused by constant or repeated seepage or leakage of "water" or the presence or condensation of humidity, moisture or vapor, over a period of weeks, months or years
Texas home policies usually do not cover mold from gradual leaks or seepage.
Most home policies don't cover water damage from gradual leaks or seepage, and that includes damage from mold.
Under the Texas mold rules a hidden water leak must be reported within 30 days after it is or should have been found.
report a hidden or concealed water loss no later than 30 days after such loss is or should have been detected