Allstate Mold Coverage
United StatesRead Nov 12 2026
Allstate
- Covered
- Mold cleanup money also covers mold testing and extra living costs if the home cannot be lived inSource, policy form
- Excluded
- Allstate says standard home policies usually do not cover moldSource, insurer page
- Mold cap
- $10,000Source, policy form
Allstate says standard home policies usually do not cover mold. Its filed homeowners forms exclude mold but pay a capped amount for mold cleanup after a covered water loss, $10,000 on its Florida Special form and $5,000 on its House and Home form, and an Optional Protection For Mold can raise that cap.
Insurer website allstate.com
What Is Covered
Mold cleanup money also covers mold testing and extra living costs if the home cannot be lived in.
Remediation also includes any investigation or testing to detect,
What Is Excluded
Allstate says standard home policies usually do not cover mold.
Standard policies usually do not cover floods, earthquakes, mold, wear and tear, or pest damage
The policy form excludes mold even when it comes from water damage that is otherwise covered, except for the capped mold cleanup coverage.
This exclusion applies regardless of whether mold, fungus, wet rot, dry
Dollar Caps On Mold
After a covered water loss, the Florida Special form pays up to $10,000 for mold cleanup.
we will pay up to $10,000 for mold,
The Allstate House and Home form pays up to $5,000 for mold cleanup after a covered water loss.
Property Protection-Coverage C, we will pay up to $5,000 for mold,
Add On Mold Cover
You can buy Optional Protection For Mold to raise the cleanup cap. It has a per loss limit and a yearly total limit shown on your declarations.
Protection For Mold, we will pay up to the applicable limit of liability
How To Make A Claim
Allstate customers start a claim by logging in to My Account. Others can call 800-255-7828.
Not an Allstate customer? Call 800-255-7828 to file your claim.
Would A $10,000 Cap Cover A Typical Job
A typical professional mold job tops out at or under $10,000 in 132 of 132 US metros we track, once the national range is scaled to local prices. Attic, crawlspace and whole home jobs cost more. See costs by area.
Before You Call Allstate
- Stop the water and take dated photos before anything is moved.
- Find the mold or fungi wording and any mold limit on your own policy and declarations page.
- Report the claim quickly, since late notice is a common reason claims are denied.
- Keep receipts for drying and repairs you have to do to stop more damage.
Rules That Apply In United States
Further Reading
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.