Farmers Mold Coverage
Nope
United StatesRead Nov 12 2026
Farmers
- Covered
- Mold may be covered when a sudden event like a burst pipe caused it, but not when ongoing moisture or poor upkeep caused itSource, insurer page
- Excluded
- Farmers lists mold among the perils that are often not coveredSource, insurer page
- Mold cap
- None printed on our sources
Farmers says mold is excluded in many cases, but it may be covered when a sudden event like a burst pipe or a covered storm caused it. Mold from ongoing moisture or poor upkeep is not covered.
Insurer website farmers.com
What Is Covered
Mold may be covered when a sudden event like a burst pipe caused it, but not when ongoing moisture or poor upkeep caused it.
Mold: Caused by ongoing moisture or poor maintenance; may be covered if caused by a sudden event (like a burst pipe)
Mold is excluded unless a covered peril like a storm caused it.
mold (unless caused by a covered peril like a storm)
What Is Excluded
Farmers lists mold among the perils that are often not covered.
mold (in many cases)
Damage from normal wear and tear or upkeep issues is not covered.
damage that happens because of normal wear and tear or maintenance issues.
How To Make A Claim
File a Farmers claim online or by phone.
Call 844-557-1662
Before You Call Farmers
- 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
- Does homeowners insurance cover water damage, for the sudden versus gradual line most mold claims turn on.
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.