Connecticut Mold And Insurance Rules On Mold
What Connecticut Mold And Insurance Rules says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
A Connecticut policy may not limit mold loss when fire or lightning caused it.
A policy may not exclude or limit coverage for loss arising out of mold or remediation
Dollar Caps On Mold
For other covered causes a mold cap is allowed, but it must be at least $10,000.
The minimum aggregate sub-limit for mold and remediation coverage is $10,000.
Conditions You Have To Meet
Insurers may not add a separate deductible for mold.
An additional deductible for mold loss is not permitted.
Good To Know
Home policies may not exclude liability for mold. A liability cap is allowed if it is at least $50,000.
A policy may not exclude coverage for liability arising out of mold.
The state health department says if you can see or smell mold, skip testing and clean it up.
The best course of action is to just get rid of it.