If mold is found in a home and the homeowner has insurance, who pays for the problem to be repaired?

The answer to this question depends on the specifics of your insurance policy. In general, standard homeowners insurance policies do not cover mold damage unless it is a direct result of a covered peril, such as water damage from a burst pipe. However, some insurance companies offer mold coverage as an optional add-on to their policies. If you do have mold coverage, your insurance company may pay for the cost of removing the mold and repairing any damage it has caused, up to the limits of your policy. However, you will need to file a claim and provide evidence that the mold was caused by a covered peril. If your insurance policy does not cover mold damage, you will need to pay for the cost of removing the mold and repairing any damage yourself. It's important to address mold issues as soon as possible, as mold can cause serious health problems and spread quickly throughout a home. It's always a good idea to review your insurance policy and understand what is covered and what is not. If you are unsure whether your policy covers mold damage, contact your insurance company or agent for clarification.