California Department of Insurance On Mold
What California Department of Insurance says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
California says mold damage caused by a covered peril may be covered by your home policy.
Mold damage caused by a covered peril may be covered under your homeowners policy.
What Is Excluded
Mold is one of the perils usually excluded from California home policies.
Earthquake, flood, mold, earth movement, and "wear and tear" are some of the perils that are usually excluded.
How To Make A Claim
Report any water damage claim to your agent or insurer right away.
You should immediately report any water damage claim to your agent or company representative.
Good To Know
Drying wet areas and running a dehumidifier lowers the chance that mold follows water damage.
Drying wet areas and dehumidifying can help minimize the possibility that mold will accompany water damage.