Lemonade Mold Coverage
United StatesRead Nov 12 2026
Lemonade
- Covered
- Mold is covered only when a covered peril like a burst pipe causes it and the mold is hidden in walls, ceilings or under floorsSource, insurer page
- Excluded
- Mold from wear and tear, long term leaks, poor upkeep or floods is not coveredSource, insurer page
- Mold cap
- $27,500Source, policy form
Lemonade covers mold only when a covered peril causes it and the mold is hidden in walls, ceilings or floors. Its sample Georgia policy shows a separate mold property limit, and claims are filed in the app.
Insurer website lemonade.com
What Is Covered
Mold is covered only when a covered peril like a burst pipe causes it and the mold is hidden in walls, ceilings or under floors.
The mold has to be hidden in the walls, ceilings, or beneath floors to be covered.
The sample Pennsylvania policy covers hidden mold that results from an accidental leak or overflow from plumbing, heating, cooling, sprinklers or an appliance.
However, we do insure for loss caused by mold, fungus or wet rot that is
What Is Excluded
Mold from wear and tear, long term leaks, poor upkeep or floods is not covered.
If mold has been caused by wear-and-tear, long-term leakage, poor home maintenance or floods, you won’t be covered for it.
Dollar Caps On Mold
The sample Georgia policy lists Mold Property Damage at $27,500 and Mold Liability at $50,000. Your own limits show on your declarations.
Mold Property Damage $27,500 Included
Add On Mold Cover
In Georgia the mold limit comes from the Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage endorsement, form LEM 2031.
LEM-2031 (10-17) Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage - Georgia
How To Make A Claim
File a claim by tapping File a Claim in the Lemonade app.
Seamlessly file claims from your phone - anytime, anywhere
Would A $27,500 Cap Cover A Typical Job
A typical professional mold job tops out at or under $27,500 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 Lemonade
- 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.