Most Home Insurance does NOT cover Mold Damage- 5 Facts about Mold and Home Insurance

1)Homeowners insurance covers mold damage if it was caused by a “covered peril.” Otherwise, an insurance company will likely not cover mold damage. Home insurance policies usually don’t cover mold that resulted from a preventable water leak, flooding, or high humidity. (

2) Purchasing a house with hidden mold in the walls or crevice’s can result in a major clean up bill later that the new home owner is  most likely responsible for paying.

3) Clean up of mold usually costs on average between $8,000 and $12,000 and in the State of Texas should only be done by a licensed Remediator. (

4) The law says that landlords in Texas have a duty to remove conditions that “materially affect the physical health or safety of an ordinary tenant” if all of the following are true:

a)The condition was not caused by the tenant (renter), the tenant’s family, or the tenant’s guests; and

b)The landlord has proper written notice of the condition; and

c)The tenant is not delinquent in rent at the time of giving the landlord notice to repair or remedy.

Tex. Prop. Code § 92.056. (

5) Mason, the best mold sniffing wonder dog in the Dallas, Fort Worth metro area, can effectively smell mold more than 90% of the time.  Most humans only have a 35% capacity.  WATCH  Using Dog Gone Mold Dallas to inspect you home can help you get peace of mind and hopefully avoid a painful clean up at a later date.

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