Will USAA cover mold damage?
Asked by: Trevor Keebler | Last update: November 17, 2025Score: 4.8/5 (57 votes)
Will USAA homeowners insurance cover mold?
USAA and Travelers will likely cover mold damage and removal if it results from a sudden and accidental incident, such as a burst pipe. You may also have coverage for mold if it's the result of water used to control a fire, such as a sprinkler system or fire hose.
Does my homeowners insurance cover replacing damage from mold?
In most cases, homeowners insurance policies do not cover mold damage as it's often tied to home maintenance. Homeowners insurance policies may provide coverage to remove the mold as part of the mitigation effort to restore your property from a covered peril.
Does my car insurance cover mold?
Normal wear and tear that causes water to enter into your car via the sunroof is not covered by your insurance. The same goes for mold. If water damage has caused areas in your car to grow mold, Comprehensive could cover that as well.
Does USAA cover property damage?
Our policies offer a variety of coverage options for your home and personal property. Our standard renters policy is anything but — it includes coverage for both flood and earthquake damage. You can customize your coverage to fit your needs and budget.
Homeowners insurance does not cover mold treatment and removal
What home damage is not covered by insurance?
Earthquakes, landslides and sinkholes generally aren't covered under home insurance. Exceptions include Florida and Tennessee, where insurers must offer optional sinkhole protection. Aside from that, you'll need separate coverage for these disasters, which your insurer can help you find.
What are the disadvantages of USAA?
- Not all homeowners can qualify for USAA.
- Customer service hours are limited.
- May not offer as many discounts as some carriers.
How do I get my insurance to pay for mold?
Most mold insurance claims typically arise in one of two circumstances: (1) mold comes to the property owner's attention along with the discovery of ongoing moisture buildup, water leakage or water intrusion that has gone on for some time below the property owner's radar; or (2) after a sudden, accidental flood or leak ...
How do I know if mold is covered by insurance?
When is mold covered by homeowners insurance? You may be covered for sudden mold-related incidents specified on your policy, such as a water heater bursting and flooding your basement, causing mold in the aftermath. Or if a fire in your home is extinguished with hose water, which results in dampness and mold.
Can a car be totaled for mold?
In extensive cases, there may be enough mold that it cannot be removed and the car may need to be totaled!
How expensive is mold removal?
Most mold removal professionals charge around $10 to $25 per square foot. So, if you're removing mold from a 100-square-foot area, you can expect to pay around $1,000 to $2,500. But factors like where the growth is and the mold type can affect how much it costs to remove it.
What are the symptoms of mold exposure?
- Nasal and sinus congestion.
- Eye irritation, such as itchy, red, watery eyes.
- Wheezing and difficulty breathing.
- Cough.
- Throat irritation.
- Skin irritation, such as a rash.
- Headache.
Why is mold not covered by insurance?
Homeowner's insurance will not cover damages caused by mold if the source of the moisture is from a long-term, unrepaired leak. A toilet may leak for several months, and the homeowner is aware of the situation, for instance.
What is USAA replacement cost coverage?
Replacement cost coverage for your things
Your policy covers your belongings and some of your home's building materials at current value with no depreciation. That means, if your stuff gets damaged in a covered event, we'll pay the cost to repair it, or we may replace it with a new item valued up to your policy limits.
Will USAA drop me for too many claims?
Yes, your car insurance company can drop you if you file too many claims.
Why is USAA homeowners insurance so expensive?
USAA homeowners' insurance tends to be more expensive due to its commitment to high standards for comprehensive coverage, superior customer service, and consideration of location-specific risk factors.
How do you prove mold illness?
Blood (IgE) test
The blood sample goes to a laboratory. The lab test measures the amount of IgE in your blood that binds to black mold. It may take a week or longer to get the results from a blood test sent to a lab.
How do I permanently get rid of mold in my house?
For removal of black and white mold, spray the area with the half water and half vinegar solution. Once it is wet (this keeps the mold spores from spreading through the air), scrub all affected areas until the mold is gone. The vinegar solution both cleans the area and kills the mold. Allow the area to dry fully.
Who pays for mold remediation?
If there is a covered condition that the homeowner's insurance policy covers that causes mold, then the insurance company will cover mold remediation. Excess water from a natural cause like a roof leaking after a rain storm is usually covered by a homeowners insurance policy.
How long does mold remediation take?
The duration of mold remediation varies based on factors like the severity of the infestation and the remediation method used. Generally, minor mold removal can take 1 to 2 days, while severe cases or larger areas may take up to a week or more.
How to remove mold from inside walls?
How do I make a mold claim?
CALL YOUR INSURANCE AGENT AND REPORT A SUSPECTED CLAIM IMMEDIATELY. PUT EVERYTHING IN WRITING. Call your insurance agent immediately to report a suspected claim. Follow the phone call with a fax, an email and a letter.
Why does USAA have an F rating?
A check of the BBB website provides a few answers. The failing grade is due to two stated reasons. The first is that the company agreed this year to a $15 million settlement with the U.S. Consumer Financial Protection Bureau over how USAA's banking arm mishandled thousands of personal checking accounts.
Can USAA deny coverage?
A claim may be denied because it wasn't covered under the terms of your policy, the damage wasn't caused by a covered loss, or sometimes there may not have been a policy in force at the time the loss occurred.
Is USAA good at paying claims?
USAA has higher customer satisfaction ratings than the average insurance claim. However, this insurance company is still likely to low ball your personal injury claim if you aren't represented by an experienced injury law firm like Nadrich Accident Injury Lawyers.