Expectations for Flood Policies & Homeowners Insurance in Texas

Insurance and Mold in Texas: What Homeowners Need to Know

Dealing with mold damage is stressful enough — but discovering it’s not covered by insurance can make it worse.

In a state like Texas, where humidity, hurricanes, and heavy rainfall are common, it’s critical to understand what your policy does — and doesn’t — protect you from. At Mold Consultant Group, we help homeowners across Montgomery, The Woodlands, Spring, Conroe, Willis, Tomball, Magnolia, and Cypress navigate mold issues and documentation that can support insurance claims.

🏡 Does Homeowners Insurance Cover Mold in Texas?

Yes — but only in specific cases.

Most standard homeowners policies in Texas will only cover mold if it results from a covered peril, such as:

• Burst pipes or appliance overflows

• Sudden roof leaks from a storm

• Water intrusion from broken windows or wind damage

✅ Covered Example: A pipe bursts and soaks the wall — and mold appears later.
❌ Not Covered: Mold caused by long-term humidity, roof neglect, or ignored plumbing leaks.

📌 General rule: If you could’ve prevented it, insurance might not cover it.

📑 Types of Insurance That May Cover Mold

1. Homeowners Insurance (Limited Coverage)

• May cover mold cleanup from sudden water damage

• Often includes caps between $1,000 and $10,000

• Exclusions are common — read the fine print

2. Flood Insurance (Separate Policy Required)

• Standard policies DO NOT cover flood damage or flood-related mold

• Coverage only available through NFIP or private flood insurance

• Mold may be covered only if it directly follows a flood and you took reasonable steps to prevent it

3. Mold Endorsements or Riders

• Additional policy add-ons that boost mold coverage

• Recommended for properties in humid zones or with a history of water intrusion

• Can significantly reduce out-of-pocket costs

🛠️ How to Protect Yourself from a Denied Mold Claim

• Maintain your home. Repair leaks, improve ventilation, and keep humidity under control

• Read your policy carefully. Know your limits, exclusions, and what qualifies as a “covered peril”

• Ask about add-ons. Mold riders are usually affordable and can expand your protection

• Document everything. If you find mold, take photos and notify your insurer immediately

🧪 Why Professional Mold Assessment Matters

If you discover mold, your first step should be to:

• Stop the moisture source (leak, flood, etc.)

• Dry the affected area quickly — within 24–48 hours

• Call a licensed mold assessment consultant

We can:

• Inspect and test the mold professionally

• Document the extent and source of contamination

• Provide reports that support your insurance claim

• Guide you through remediation and clearance

📍 Serving Homeowners Across:

Montgomery | The Woodlands | Spring | Conroe | Willis | Tomball | Magnolia | Cypress

📞 Need a Mold Assessment for Insurance? We Can Help.
Call 832-280-4747 or visit www.moldconsultantgrp.com

Mold damage is costly — but being unprepared is costlier. Know your policy, protect your home, and let us help when you need documentation that holds up.