Openly Mold Coverage
Maybe
United StatesRead Nov 12 2026
Openly
- Covered
- Mold may be covered when a sudden covered event, like a burst pipe or a broken water heater, causes itSource, insurer page
- Excluded
- Mold from a long term leak, put off maintenance, or flooding is typically excludedSource, insurer page
- Mold cap
- None printed on our sources
Openly says mold may be covered when a sudden covered event like a burst pipe causes it, often with a separate mold limit. Long term leaks, neglect and floods are typically excluded.
Insurer website openly.com
What Is Covered
Mold may be covered when a sudden covered event, like a burst pipe or a broken water heater, causes it.
Homeowners insurance may pay for mold damage when a sudden, covered event causes it, such as a burst pipe or a ruptured water heater.
What Is Excluded
Mold from a long term leak, put off maintenance, or flooding is typically excluded.
Mold from a long-term leak, deferred maintenance, or flooding is typically excluded.
Dollar Caps On Mold
Many policies set a separate dollar limit for mold, shown on the declarations page or in the fungi section.
Many policies set a separate dollar limit for mold.
How To Make A Claim
File online in the Openly Claims Portal or call 888 808 4842.
You can also submit a claim by calling (888) 808-4842.
Before You Call Openly
- 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.