mold insurance coverage 16

https://kilo-wiki.win/index.php/Will_Insurance_Pay_for_a_Mold_Test%3F_What_Homeowners_Need_to_Know

Many standard homeowners policies don't cover mold damage, especially from gradual leaks or humidity, so you often need separate mold insurance coverage. This can be a smart move if you live in a damp climate or have had water issues before. It helps with cleanup, repairs, and sometimes even replacing damaged items, but it usually has caps and extra deductibles, so reading the fine print is key.