Illinois Mold And Insurance Rules On Mold
What Illinois Mold And Insurance Rules says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
In Illinois, mold from water used 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 slow leaks, humidity or drainage problems is probably not 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 amount, such as $5,000.
limiting the amount of money available to pay mold-related claims (e.g. $5000)
Add On Mold Cover
Some insurers exclude mold but sell it back for an extra charge.
offering buy-back endorsements, which provide some mold coverage if you pay extra money
Good To Know
Licensing is not required for mold remediators in Illinois, and there are no state standards for them.
Currently, mold remediators are not required to be licensed