Insurance and mold claims
When mold is typically covered, and when it isn't.
The general rule
Homeowners policies commonly cover mold when it results from a sudden, covered event — a burst pipe, for example — and commonly exclude mold that results from long-term humidity or unaddressed maintenance. Policies vary, so your own coverage is the final word.
Because the cause determines coverage, documenting the source early (photos, dates) is worth doing before anything is removed.