American Family Mold Coverage
United StatesRead Nov 12 2026
American Family
- Covered
- Limited mold coverage may apply when a covered loss caused it, like water used to put out a fireSource, insurer page
- Excluded
- Mold from losses the policy does not cover, like flooding or high humidity, is not coveredSource, insurer page
- Mold cap
- None printed on our sources
American Family says it does not cover mold from losses the policy does not cover, like flooding or high humidity. Its filed homeowners form pays for fungi cleanup from a covered loss up to a limit on the declarations, and an optional Hidden Water Damage coverage can help with mold found after a hidden leak.
Insurer website amfam.com
What Is Covered
Limited mold coverage may apply when a covered loss caused it, like water used to put out a fire.
like mold caused by the water used to extinguish a fire
The filed homeowners form pays to clean up fungi, repair damage and test the air, up to the fungi limit on your declarations, when a covered loss caused it.
The limit for this Coverage is shown in the
What Is Excluded
Mold from losses the policy does not cover, like flooding or high humidity, is not covered.
doesn’t cover mold damage that results from types of losses that aren’t covered by the policy, such as flooding or high humidity
Dollar Caps On Mold
Mold damage is limited to the coverage limits in your homeowners policy.
Mold damage limited to coverage limits provided by your homeowners policy.
Add On Mold Cover
Optional Hidden Water Damage coverage can help pay to remove mold found while fixing a hidden leak. It may not be offered in every state.
This coverage can help with the remediation costs associated with mold removal.
Conditions You Have To Meet
The fungi must be on the insured home and come from a loss the policy covers.
Fungi or bacteria must occur on the residence
How To Make A Claim
File a claim in the MyAmFam app or by phone.
Call us at 1-800-MYAMFAM (1-800-692-6326)
Before You Call American Family
- 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
- Choosing a restoration company, for what to ask a crew before you sign.
- Does homeowners insurance cover water damage, for the sudden versus gradual line most mold claims turn on.