Does Insurance Cover Mold Removal in Georgia?
Georgia homeowners insurance covers mold only when it results from a covered water loss - and most policies cap coverage at $10,000.
Short answer
Georgia insurance covers mold only when it results from a covered water loss (burst pipe, appliance failure), and most standard policies cap coverage at $10,000 unless you have a specific endorsement.
When mold IS covered
Mold from a burst pipe you didn't know about. Mold from a sudden appliance failure. Mold from storm water intrusion when the storm damage itself is covered. Mold following a water heater failure.
When mold is NOT covered
Mold from a slow leak you knew about. Mold from long-term humidity. Mold from flood water (needs flood insurance). Mold in a basement from groundwater seepage. Mold discovered at real estate inspection with no water event.
The $10,000 cap
Standard Georgia HO-3 policies typically cap fungi, mold, or bacteria coverage at $10,000 total. Endorsements can raise the cap to $25,000, $50,000, or match Coverage A. Premium bump: $100-$300/year.
How to strengthen your claim
Report the underlying water loss immediately. Get pre-remediation testing. Use an IICRC-certified remediator. Keep every receipt. Get post-remediation clearance testing.