Illinois Department of Insurance On Mold
What Illinois Department of Insurance says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
In Illinois mold from water damage after a covered fire or lightning loss is covered up to the full policy limit.
if mold results from water damage following a covered fire or lightning loss, the mold damage would be covered
What Is Excluded
Mold from long term seepage, humidity, condensation or drainage problems would probably not be covered.
if one of these water or moisture problems results in mold, it would probably not be covered by your policy
Dollar Caps On Mold
Some insurers cap mold claims at a set dollar amount such as 5,000 dollars.
limiting the amount of money available to pay mold-related claims (e.g. $5000)
Add On Mold Cover
Some insurers exclude all mold but sell a buy back endorsement that adds some mold coverage for extra money.
offering buy-back endorsements, which provide some mold coverage if you pay extra money
Good To Know
Whether mold is covered depends on what caused it and on your policy.
It depends on what caused the mold and the policy coverage you have.
Illinois suggests keeping indoor humidity between 30 and 50 percent to prevent mold.
Maintain lower levels of humidity in your home (preferably between 30-50%)