CoverClaro / Coverage guide
Mold, Pests & Exclusions
Understand how mold, pests & exclusions questions can depend on policy language, the cause of a loss, and the facts of your situation.
Quick guide to these questions
| Situation | Possible outcome | Why |
|---|---|---|
| Mold | Usually no | Unless it came from a sudden, covered water leak, and even then many policies cap it. |
| Termite damage | Usually no | Except in rare cases, like a fire from chewed wiring or a sudden hidden-damage collapse. |
Published guides
Mold× Usually no
Termite damage× Usually no