Louisiana Citizens Property Insurance Corporation Mold Coverage
United StatesRead Nov 12 2026
Louisiana Citizens Property Insurance Corporation
- Mold cap
- $10,000Source, insurer page
Louisiana Citizens homeowner forms carry a $10,000 limit for fungi, wet or dry rot, or bacteria property damage and $50,000 for liability. Claims go to 888 568 6455, option 3.
Insurer website lacitizens.com
Dollar Caps On Mold
The HO 3 form pays up to $10,000 for fungi, wet or dry rot, or bacteria property damage, and the limit cannot be raised.
Limited Fungi, Wet or Dry Rot, or Bacteria Coverage Section I-Property. $10,000 10000 No No
Liability for fungi, wet or dry rot, or bacteria is limited to $50,000 on the HO 3 form.
Limited Fungi, Wet or Dry Rot, or Bacteria Coverage Section II-Liability. $50,000
How To Make A Claim
Report a claim online or by calling 888 568 6455, option 3.
Claims can be reported by dialing 888.568.6455 - Option 3.
Good To Know
There is no complete water damage exclusion on the HO 3 form.
Is there a complete water damage exclusion? No
Would A $10,000 Cap Cover A Typical Job
A typical professional mold job tops out at or under $10,000 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 Louisiana Citizens Property Insurance Corporation
- 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.