National Flood Insurance Program (NFIP) flood insurance policies will not cover damage from mold.
Policyholders are strongly encouraged to begin cleanup and documentation immediately after a flood to prevent the growth and spread of mold.
In some instances, it’s not possible for a policyholder to get to the property to begin cleaning. In these cases, mold damage may be covered if:
- An authorized official has banned entrance to the area. Officials may restrict entrance because of downed trees, downed power lines, destroyed roadways, or other reasons.
- Floodwaters remain around the home, or in the area, impeding the policyholder’s ability to inspect and maintain the insured property.
Learn more about safe mold clean up tips for after a flood.