Progressive Home (American Strategic Insurance) Mold Coverage
United StatesRead Nov 12 2026
Progressive Home
- Covered
- Mold may be covered when something sudden or accidental, such as a burst pipe, causes itSource, insurer page
- Excluded
- Mold from neglect, like a pipe that leaked under the sink for months, is likely not coveredSource, insurer page
- Mold cap
- $5,000Source, policy form
Progressive says mold is usually covered only when a covered peril like a burst pipe causes it. Its ASI written Oklahoma policy pays at most $5,000 for fungi, rot and bacteria and excludes damage from long, repeated leaks.
Insurer website progressive.com
What Is Covered
Mold may be covered when something sudden or accidental, such as a burst pipe, causes it.
If the mold in your residence was caused by something sudden or accidental, such as a bursting pipe
What Is Excluded
Mold from neglect, like a pipe that leaked under the sink for months, is likely not covered.
Mold insurance claims likely won’t be covered if the mold resulted from neglect, such as a pipe leaking under the kitchen sink for months
The same policy excludes constant or repeated seepage or leakage of water and long lasting humidity or condensation.
Constant or repeated seepage or leakage of water or steam or the presence of condensation or humidity, moisture or vapor,
Dollar Caps On Mold
In the Oklahoma special form written by American Strategic Insurance, $5,000 is the most paid for fungi, wet or dry rot, or bacteria, including removal and testing.
$5,000 is the most we will pay for the total of all loss or costs payable under this Additional Coverage
Add On Mold Cover
Progressive points to water backup coverage as an add on that could help with mold after a sewer backup or sump pump failure.
to your homeowners insurance policy could help cover mold resulting from water backing up into your home or your sump pump malfunctioning
Conditions You Have To Meet
That mold money only applies when a covered peril during the policy period caused it and you took reasonable steps to stop more damage.
only applies when loss or costs are a result of a Peril Insured Against that occurs during the policy period
How To Make A Claim
Progressive Home policies written by ASI report claims at 1 866 274 5677, or call Progressive at 1 800 776 4737 to be connected to your carrier.
ASI/Progressive 1-866-274-5677
Would A $5,000 Cap Cover A Typical Job
A typical professional mold job tops out at or under $5,000 in 0 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 Progressive Home (American Strategic 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
- 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.