Travelers Mold Coverage
United StatesRead Nov 12 2026
Travelers
- Covered
- If a fire is put out by sprinklers or firefighters, the water damage and mold are coveredSource, insurer page
- Excluded
- The Massachusetts endorsement leaves out damage from seepage, leaks or humidity that goes on for 14 days or moreSource, policy form
- Mold cap
- $10,000Source, policy form
Travelers says water and mold damage from putting out a home fire is covered. Its filed forms add a limited fungi and rot remediation coverage, $10,000 on a Florida homeowner policy, with buy up endorsements to $25,000 or $50,000 per loss.
Insurer website travelers.com
What Is Covered
If a fire is put out by sprinklers or firefighters, the water damage and mold are covered.
you will be covered for water damage and mold
What Is Excluded
The Massachusetts endorsement leaves out damage from seepage, leaks or humidity that goes on for 14 days or more.
that occurs over a period of 14 days or more.
Dollar Caps On Mold
On a Travelers Florida homeowner policy, the basic limit for fungi, microbe or rot damage is $10,000.
Your basic policy provides $10,000 insurance for damage
Add On Mold Cover
Endorsement 1503 raises the limit to $25,000 per loss and $50,000 per policy term.
increases the limit to $25,000 for one loss and a maximum
Endorsement 1504 raises the limit to $50,000 per loss and $50,000 per policy term.
increases the limit to $50,000 for one loss and a maximum
Conditions You Have To Meet
Fungi cleanup is paid only if you give Travelers prompt notice of the covered loss that caused it.
We receive prompt notice of the covered
How To Make A Claim
File home claims by phone or online, any time.
File your auto, home and personal property claims by telephone or online
The Travelers claim line is 1.800.252.4633.
File a claim 1.800.252.4633
Would A $10,000 Cap Cover A Typical Job
A typical professional mold job tops out at or under $10,000 in 132 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 Travelers
- 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
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.