Citizens Property Insurance Corporation Mold Coverage

Dollar Caps On Mold

• Citizens pays up to $10,000 for fungi, wet or dry rot, or bacteria under the property part of the HO 3 policy. The worksheet marks this limit as one that cannot be increased, so there is no mold buy up.

  Bacteria Coverage Section I - Property $10,000 limit No

  Citizens HO 3 Coverage Worksheet (10/25), insurer page, read 2026-11-12

• Liability for fungi, wet or dry rot, or bacteria is limited to $50,000.

  Bacteria Coverage Section II - Liability $50,000 limit

  Citizens HO 3 Coverage Worksheet (10/25), insurer page, read 2026-11-12

• Accidental discharge or overflow of water from plumbing, HVAC, an appliance or sprinklers has a $10,000 combined limit for the home and other structures, unless repairs go through the Managed Repair Contractor Network.

  $10,000 combined limit for Coverages A and B;

  Citizens HO 3 Coverage Worksheet (10/25), insurer page, read 2026-11-12