Reply #9: Warning to all - Read Your Insurance Policies [View All]

[dr.strangelove]

I've been practicing insurance law for some time. The mold issue is a particularly "hot topic" currently. The issue with mold should be addressed clearly in your policy. Many homeowner's insurance policies have an exclusion for mold damage. If you policy excludes mold damage from coverage, you may be out of luck for that portion of the claim. I have no idea if your policy specifically excludes mold damage from coverage, but it is usually not hard to find the exclusion if it is there. There is a section of the policy titled Exclusions and it will be listed there, or it will be a separate piece of paper called Mold Endorsement or something like that.

Many people don't read their policies until they need coverage, and are surprised with what they find. I am not saying this is what happened here, it just happenes often so I thought it merited a warning to other readers. I would encourage all insurance buyers to sit down and read your policy and any question you have, talk about it with your agent. That way you will have no surprises when you need to use the coverage.

Anyway, good luck to the original poster and I am sorry that this happened to you.