Question

In MOST Texas homeowners insurance policies, mold-related claims

a) Are always covered
b) Are never covered
c) Have limited coverage
d) Require a separate mold insurance policy

Answer 1

Most Texas homeowners insurance policies provide limited coverage for mold-related claims, usually under certain conditions or up to specific limits.

Step-by-step explanation:

In most Texas homeowners insurance policies, mold-related claims typically have limited coverage. This means that while some policies may provide coverage for mold damage, it is often restricted by specific conditions or capped at a certain amount. Cases where mold is a byproduct of a covered peril, like water damage from a burst pipe, may have some coverage. But for claims strictly from mold, the coverage can be quite limited. It's essential for homeowners to review their policy details or consult with their insurance agents to understand the specific limitations and if additional mold coverage is available or needed.