Homesite Insurance Mold Coverage
Covered
United StatesRead Nov 12 2026
Homesite Insurance
- Covered
- Hidden mold inside walls, ceilings or floors is covered when it comes from an accidental leak or overflow from plumbing, heating, cooling, sprinklers or a household applianceSource, policy form
- Excluded
- The policy lists mold, fungus and wet rot as a cause of loss it does not coverSource, policy form
- Mold cap
- None printed on our sources
Homesite's Texas special form excludes mold but still covers hidden mold inside walls, ceilings or floors when it comes from an accidental plumbing or appliance leak. Claims go online or by phone.
Insurer website homesite.com
What Is Covered
Hidden mold inside walls, ceilings or floors is covered when it comes from an accidental leak or overflow from plumbing, heating, cooling, sprinklers or a household appliance.
fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure
What Is Excluded
The policy lists mold, fungus and wet rot as a cause of loss it does not cover.
(5) Mold, fungus or wet rot. However, we do insure for loss caused by mold,
Conditions You Have To Meet
For this rule a sump pump, roof drain, gutter or downspout does not count as plumbing.
plumbing system or household appliance does not include a sump, sump pump or related equipment
How To Make A Claim
Homesite takes claims online or by phone at 1 866 621 4823.
give us a call at 1-866-621-4823
Before You Call Homesite Insurance
- 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
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.