FEMA National Flood Insurance Program On Mold
What FEMA National Flood Insurance Program says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
Your NFIP policy may cover mold if officials blocked access to your home or floodwater made it unsafe to clean.
Your NFIP flood insurance policy may cover mold damage if:
What Is Excluded
FloodSmart says mold damage is not covered under standard NFIP flood policies.
mold damage is not covered under standard NFIP flood insurance policies
The FEMA summary of coverage says mold the owner could have avoided is not insured.
Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.
Good To Know
FEMA says mold can start forming within 24 to 48 hours of flooding.
Mold can start forming within 24-48 hours of flooding.
Further Reading
- Mold after water damage, a timeline, for the 24 to 48 hour line.