Is damage from mold covered?

Through the Individuals and Households Program (IHP), FEMA may provide funds to address damage from mold.   If you are a homeowner, you may receive Home Repair funds for clean up, removal, or remediation of disaster-caused mold. To be eligible for this assistance, FEMA must verify that you are unable to live in your home because of the disaster-caused mold damage. 

If your home received minor damage from the disaster and FEMA determines you can still live safely in your home, renters and homeowners may be eligible for Clean and Sanitize Assistance.  This assistance is only available in certain disasters and is intended to provide you with limited funds to prevent additional loss and potential health and safety concerns, such as mold growth.  

National Flood Insurance Program flood insurance policies will not cover damage from mold.

There may be considerations made if:

  • An authorized official has banned entrance to the area (for safety reasons).
  • Floodwaters remain around the home or in the area that prevent you from inspecting or maintaining the property.

However, if you can access your property, you are strongly encouraged to begin cleanup and documentation immediately after a flood to prevent the growth and spread of mold.

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