Chubb Mold Coverage
United StatesRead Nov 12 2026
Chubb
- Covered
- Masterpiece pays for mold testing, a remediation plan, cleanup and repairs when a covered water damage loss caused the moldSource, policy form
- Excluded
- Outside that extra coverage, mold is not covered however it was caused, except mold that results from fire or lightningSource, policy form
- Mold cap
- $10,000Source, policy form
Chubb's Masterpiece house coverage pays mold remediation after a covered water loss, up to $10,000 plus any extra amount you buy. Mold from other causes is excluded except after fire or lightning.
Insurer website chubb.com
What Is Covered
Masterpiece pays for mold testing, a remediation plan, cleanup and repairs when a covered water damage loss caused the mold.
We provide coverage for mold remediation expenses you incur, made necessary by a covered water damage loss to your house
Chubb also pays temporary living costs during mold remediation, up to 20% of the mold limit, with no deductible.
There is no deductible for temporary relocation expenses.
What Is Excluded
Outside that extra coverage, mold is not covered however it was caused, except mold that results from fire or lightning.
We do not provide coverage for the presence of mold, however caused
Dollar Caps On Mold
The base limit is $10,000 per occurrence for mold remediation.
the maximum amount of coverage for mold remediation expenses is $10,000
Add On Mold Cover
You can raise the mold limit, because Chubb adds any extra amount shown in your Coverage Summary on top of the $10,000.
plus any additional amount of coverage shown in the Coverage Summary for mold remediation expenses at this location
How To Make A Claim
Chubb takes claims 24 hours a day online or at 1 800 252 4670.
1-800-CLAIMS-0 (1-800-252-4670)
Good To Know
Chubb's Platinum Portfolio home policy, a different Chubb group product, pays up to $10,000 for ensuing fungi, wet or dry rot, or bacteria after a covered loss.
We will pay up to $10,000 for loss caused by fungi, wet or dry rot, or bacteria
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 Chubb
- 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.