mold insurance coverage 58

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Mold insurance coverage is often limited and tricky, because many standard homeowners policies exclude mold damage unless it's caused by a covered peril like a sudden plumbing leak. Even then, caps are low, sometimes just $10,000, and gradual growth from humidity or neglect usually isn't covered. It’s smart to read the fine print and ask your agent about endorsements if you live in a damp climate or have a finished basement.