USAA Mold Coverage
United StatesRead Nov 12 2026
USAA
- Covered
- USAA may give limited help with mold when a covered water loss caused itSource, insurer page
- Excluded
- Mold or water damage that built up slowly, was done on purpose or came from a flood is usually not coveredSource, insurer page
- Mold cap
- $2,500Source, DOI filing
USAA says its home policy may give limited mold protection when a covered water loss caused it, but not for slow leaks, damage done on purpose or flood. A USAA homeowners form on file with Oklahoma pays up to $2,500 for fungus and rot cleanup.
Insurer website usaa.com
What Is Covered
USAA may give limited help with mold when a covered water loss caused it.
may provide limited protection for mold damage if a covered water loss caused it
What Is Excluded
Mold or water damage that built up slowly, was done on purpose or came from a flood is usually not covered.
it usually won't cover water damage or mold that happened slowly over time, was caused on purpose or came from a flood
Mold from poor upkeep or neglect is not typically covered.
Lack of maintenance or negligence that causes mold, mildew, moisture or wetness
Dollar Caps On Mold
A USAA homeowners form filed in Oklahoma (HO-3R(02), 2008 edition) pays up to $2,500 in total to clean up fungus or rot, tear out to reach it, and test for it.
We will pay up to a total of $2, 500
How To Make A Claim
USAA members can report a home claim online or call USAA.
give us a call at 800-531-USAA (8722)
Would A $2,500 Cap Cover A Typical Job
A typical professional mold job tops out at or under $2,500 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 USAA
- 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
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.
- Choosing a restoration company, for what to ask a crew before you sign.