If I have mold in my house, can I get homeowner's insurance?

If I have mold in my house, can I get homeowner's insurance?

Sam Friedman (Editor-in-Chief, National Underwriter, Property & Casualty Edition) gives expert video advice on: If I have a dog, can I get homeowner's insurance?; If I am turned down for homeowner's insurance, what can I do? and more...

If the mold is in the house when you apply for insurance, it might be a factor, although for the most part, the insurance company would exclude mold losses anyway. I would suggest again that you be upfront with the insurer if there is a mold loss. If you do not tell the insurer you have a mold issue when you buy the insurance, the insurer might try to cancel your coverage and say that you weren't being forthcoming about the exposures you faced. It's possible you could get insurance, but it's unlikely that the insurance would cover any mold damage.