State Farm Mold Coverage
United StatesRead Nov 12 2026
State Farm
- Covered
- Water that bursts suddenly from a pipe inside the home is typically coveredSource, insurer page
- Excluded
- State Farm says many home insurers leave out mold or cap what they pay for itSource, insurer page
- Mold cap
- None printed on our sources
State Farm says many insurers exclude or limit mold, and its claims page counts sudden pipe leaks as typically covered while rot and wear and tear are not. In Texas, State Farm filed separate fungus exclusion and fungus limited coverage endorsements in 2002.
Insurer website statefarm.com
What Is Covered
Water that bursts suddenly from a pipe inside the home is typically covered.
losses caused by an abrupt release of water from a pipe inside the home
What Is Excluded
State Farm says many home insurers leave out mold or cap what they pay for it.
Many insurance companies exclude or limit coverage for mold damage
Wear and tear, rot and slow decay are typically not covered.
Not typically covered: wear and tear, rot, deterioration, and workmanship
Under that Texas filing, fungus from a slow, repeated leak from plumbing or an appliance is left out.
Fungus that results from a continuous or repeated seepage or leakage of water or steam
Add On Mold Cover
In Texas, State Farm filed a Fungus Limited Coverage Endorsement that pays for mold cleanup when the mold comes from a covered loss. This is a 2002 Texas filing.
Limited Coverage Endorsement FE-5410. This endorsement may be attached to homeowners, condominium unitowners, and renters policies to provide remediation of fungus
How To Make A Claim
File a home claim online, in the State Farm app, or by phone any time.
Call 800-SF-CLAIM (800-732-5246) 24/7
State Farm lists a musty or moldy smell as a sign of a hidden leak to report.
A damp, musty or moldy smell
Before You Call State Farm
- 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.