Texas FAIR Plan Association Mold Coverage

Nope

United StatesRead Nov 12 2026

Texas FAIR Plan Association

Covered
If a covered peril damages property that has mold in it, that damage is covered, but not the extra cost to test, clean up or remove the moldSource, policy form
Excluded
The policy does not cover any loss caused by mold, fungi or other microbesSource, policy form
Mold cap
None printed on our sources

Stamps read the sourced lines about mold after a sudden leak. Covered means a line says so. Maybe means the line hedges, with words like may or limited. Nope means the lines we found only exclude it.

The TFPA homeowners policy is a named peril policy with no water leak peril, and it excludes loss caused by mold, fungi or other microbes. It does not pay to test for or clean up mold.

4 lines, each checked against its source on November 12, 2026. Texas

Insurer website texasfairplan.org

What Is Covered

  • If a covered peril damages property that has mold in it, that damage is covered, but not the extra cost to test, clean up or remove the mold.

    we do not cover the additional cost or expense to test for, monitor, clean up, remove, contain, treat, abate or assess the effects of mold, fungi or other microbes

    TFPA Homeowners Policy (Edition Date October 28, 2024), policy form, read 2026-11-12

What Is Excluded

How To Make A Claim

  • File a claim by calling 800 979 6440, online, or through your agent.

    There are three ways to file a claim: Call 800-979-6440

    TFPA Claims Center, insurer page, read 2026-11-12

Good To Know

  • The perils are fire and lightning, smoke, windstorm and hail, explosion, aircraft and vehicles, vandalism, riot and theft. Plumbing and appliance leaks are not a covered peril.

    Discharge, leakage or overflow of water, sewage or steam from within a plumbing, heating or air conditioning system or household appliance.

    TFPA Homeowners Policy (Edition Date October 28, 2024), policy form, read 2026-11-12

Before You Call Texas FAIR Plan Association

  1. Stop the water and take dated photos before anything is moved.
  2. Find the mold or fungi wording and any mold limit on your own policy and declarations page.
  3. Report the claim quickly, since late notice is a common reason claims are denied.
  4. Keep receipts for drying and repairs you have to do to stop more damage.

Rules That Apply In United States

Further Reading

Mold Help Nearby

RemediationX In Las Vegas

4750 E Sahara Ave, Las Vegas, NV 89104

Get DirectionsOpen in Google MapsCall (702) 829-7589