If you are a homeowner and are experiencing a mold problem in your home do not just assume that your homeowner's insurance is going to cover it. In fact, it probably will not cover any mold. Most insurers have actually excluded mold from their standard policies.
If, by chance you are covered, the cause of the mold is going to play a key factor in that decision. You would likely have to prove that your mold was a direct result of something that is covered by your homeowner's insurance policy. For example, if your roof was to become damaged and that caused water to get into your home and that resulted in mold then this would be called a "listed peril." If the mold just grew over a period of time then no, it would not be covered by your insurance policy.
Most homeowner policies are filled with exclusions and in the fine print there will be all sorts of clauses for wear and tear, deterioration, and so on. Make sure that you always read over your exclusions page very well. Here is where you will likely find that mold will be directly excluded.
There are a few states that are more prone to experience mold because they are hot, humid, and damp. The problem for insurance companies is that the mold is so difficult and costly to remove. Many times the insurance company believes that the consumer is at fault when there is mold involved. Unfortunately, the burden of proof will always be with the consumer.
There are separate rider policies that can be purchased that may offer these kinds of coverage but they are generally quite expensive. Some years ago there was a flurry of lawsuits that were brought forth from homeowner's that had mold. This forced the insurance companies to take a stand and they decided that mold was considered home maintenance.
The best advice for homeowners is to periodically have their home inspected for mold and to have it treated immediately if it is discovered. Mold has a tendency to grow very rapidly and can easily get out of control. Mold also poses several health risks as well.
Have a talk with your insurance agent if you are concerned with mold and see if there is any available coverage. Then decide if it is worth the cost of the added coverage in the event that you do discover mold.