Nationwide Mold Coverage
United StatesRead Nov 12 2026
Nationwide
- Covered
- Mold caused by a covered event, usually water damage, should be coveredSource, insurer page
- Excluded
- Mold from a lack of regular upkeep is generally not coveredSource, insurer page
- Mold cap
- None printed on our sources
Nationwide says mold from a covered peril, usually water damage, should be covered, but mold from poor upkeep is not and the policy may cap mold removal. Its 2002 Texas policy excluded mold except when caused by a sudden and accidental discharge of water.
Insurer website nationwide.com
What Is Covered
Mold caused by a covered event, usually water damage, should be covered.
If mold forms as a result of a covered peril or event listed in your policy
In its Texas policy, Nationwide excluded mold but covered mold from a sudden and accidental discharge of water. This is a 2002 Texas filing.
Nationwide will provide coverage if the mold, fungus or other microbes is caused by or results from sudden and accidental discharge or overflow of water
What Is Excluded
Mold from a lack of regular upkeep is generally not covered.
mold damage that isn’t covered by homeowners insurance stems from a lack of regular upkeep or maintenance
Dollar Caps On Mold
Your policy may cap what it pays for mold removal.
Your policy might also have a cap on the amount it pays toward mold removal
Conditions You Have To Meet
Under that Texas policy, a hidden loss had to be reported within 30 days of when it was found or should have been found.
A hidden loss must be reported to Nationwide no later than 30 days after the date the loss was detected
Before You Call Nationwide
- 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.