California FAIR Plan Mold Coverage
United StatesRead Nov 12 2026
California FAIR Plan
- Excluded
- Flood, sewer or drain backup, and water that seeps through a foundation or wall are excludedSource, policy form
- Mold cap
- None printed on our sources
The California FAIR Plan dwelling policy is a named peril policy for fire, lightning, internal explosion and smoke, with optional extras. It has no water leak peril, so mold from leaks is not covered, and it excludes flood, sewer backup and seepage.
Insurer website cfpnet.com
What Is Excluded
Flood, sewer or drain backup, and water that seeps through a foundation or wall are excluded.
water which backs up through sewers or drains or which overflows from a sump
Mold and fungus are listed as pollutants, and the policy will not pay code driven costs to test for or clean up pollutants beyond asbestos or lead.
lead, mold, fungus, smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste.
How To Make A Claim
File a claim online at any time, or call (213) 487 0111 or (800) 339 4099 during business hours.
call us at (213) 487-0111 or (800) 339-4099 during our business hours.
Good To Know
The dwelling policy only covers named perils. The base perils are fire or lightning, internal explosion and smoke.
Unless the loss is excluded in the General Exclusions, or below, we insure for direct physical loss to the covered property caused by:
The FAIR Plan suggests a Difference in Conditions policy from another insurer to cover perils it does not.
consider purchasing Difference in Conditions, Flood, or Earthquake policies to supplement your California FAIR Plan policy
Before You Call California FAIR Plan
- 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
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.
- Choosing a restoration company, for what to ask a crew before you sign.