Hippo Mold Coverage
Maybe
United StatesRead Nov 12 2026
Hippo
- Covered
- Mold damage must be sudden and accidental to be covered, and Hippo reviews it case by caseSource, insurer page
- Excluded
- Mold caused by an uncovered peril or by homeowner neglect is not coveredSource, insurer page
- Mold cap
- None printed on our sources
Hippo says mold is covered case by case and must be sudden and accidental. Mold from neglect or an uncovered peril is not covered, and Hippo suggests a mold endorsement.
Insurer website hippo.com
What Is Covered
Mold damage must be sudden and accidental to be covered, and Hippo reviews it case by case.
Mold damage must be “sudden and accidental” to be covered.
What Is Excluded
Mold caused by an uncovered peril or by homeowner neglect is not covered.
Any mold caused by an unnamed peril or homeowner neglect will not be covered.
Add On Mold Cover
For mold after a flood, Hippo suggests flood insurance or adding a mold endorsement.
add a mold endorsement to your policy
How To Make A Claim
File in the Hippo Home app or Hippo Portal, or call 855 999 9746.
File your claim in the Hippo Home App or Hippo Portal.
Before You Call Hippo
- 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.