The insurance industry has largely excluded mold coverage from homeowners’ policies since the early 2000s, following lawsuits that revealed the high costs associated with mold damage. Homeowners are often unprepared for these exclusions, which can be a surprise when they encounter mold due to severe weather events, such as flooding or windstorms. One Maryland family’s struggle with mold damage, despite paying for additional coverage, highlights the ongoing issue and significant homeowner challenges in navigating insurance claims. Experts warn that as climate-related weather events intensify, the prevalence of mold claims is likely to increase, prompting calls for clearer policy provisions.
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