Texas Mold And Insurance Rules On Mold
What Texas Mold And Insurance Rules says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
Most Texas home policies cover mold on an item damaged by sudden and accidental water, like a burst pipe.
If mold develops on a damaged item, it would be covered.
What Is Excluded
Texas home policies usually do not cover mold from slow leaks or seepage.
Most home policies don’t cover water damage from gradual leaks or seepage, and that includes damage from mold.
Add On Mold Cover
Your Texas insurer may let you add coverage for mold cleanup after a covered loss.
Your insurance company may let you add coverage for cleanup caused by a covered loss.
Good To Know
Licensing. Texas requires mold companies and workers to be licensed by TDLR unless they are exempt.
all companies and individuals who perform mold-related activities in Texas must be licensed by TDLR unless exempt
A Texas seller must give the buyer copies of mold remediation certificates from the last five years.
the law requires that you provide the buyer a copy of all certificates you have received for that property within the preceding five years
Who May Do Mold Work In Texas
Texas licenses mold assessment consultants, assessment technicians, remediation contractors, remediation workers and the companies they work for through the Texas Department of Licensing and Regulation. A license is needed when the mold covers 25 contiguous square feet or more.
State law says a license holder may not do both the mold assessment and the mold remediation on the same project. A person also may not own a share of both the assessment company and the remediation company on the same project. You can check any license with the TDLR license search.