When it comes to keeping your home mold-free, a strong offense is definitely your best defense. Mold, like rot and insect infestation, is generally not covered by a homeowners insurance policy. If, however, mold is the direct result of a covered peril such as a burst pipe, there could be coverage for the cost of eliminating the mold.
While many equate flooding with rainy conditions, winter weather and spring thaw can also lead to many flood risks. Just a few inches of water from a flood can cause tens of thousands of dollars in damage
Generally speaking, water that comes from the top down, such as rainfall, is covered by a standard homeowners insurance policy, while water that comes from the bottom up, such as an overflowing river would be covered by a separate flood insurance policy.