Does a home warranty cover mold damage?
Whether a mold damage claim pays out depends on the plan tier, the per-item dollar cap, and the contract's exclusions list. Pre-existing problems and code-upgrade costs are almost always excluded. Below is what these plans typically include, what they typically exclude, and the contract language to read before you assume a repair is covered.
Typically covered. Typically excluded.
- ＋Most home-warranty plans do not cover mold; it is almost always named as an excluded secondary condition
- ＋Only the underlying covered failure (such as a covered water-line repair) is addressed, not the mold that results
- －Mold, mildew, fungus, dry rot, and spore remediation as a secondary or consequential condition
- －Air-quality testing, containment, and removal costs after a covered or uncovered leak
- －Pre-existing mold and any condition tied to long-term moisture or deferred maintenance
- －Health-related claims and restoration of walls, flooring, or contents
Mold Damage coverage by provider.
| Provider | Covered? | Score | Note |
|---|---|---|---|
| Excluded | 4.1/5 | Mold and other secondary damage are excluded even when the underlying failure is covered. | |
| Excluded | 4.0/5 | Mold and secondary damage are excluded. | |
| Excluded | 3.9/5 | Mold and consequential damage are excluded. | |
| Excluded | 3.9/5 | Mold and consequential damage are excluded. | |
| Excluded | 3.8/5 | Mold and consequential damage are excluded. | |
| Excluded | 3.7/5 | Mold and secondary water damage are explicitly excluded. | |
| Excluded | 3.7/5 | Mold and consequential damage are excluded. | |
| Excluded | 3.6/5 | Mold and consequential damage are excluded. | |
| Excluded | 3.4/5 | Mold and consequential damage are excluded. | |
| Excluded | 3.3/5 | Mold and consequential damage are excluded. |
Status reflects standard plan terms filed in the US market. “Add-on / tier” means coverage depends on the plan tier or a paid add-on. Provider order is by published overall /5 score, with no paid placement. Always confirm current terms in the sample contract before buying.
- A covered plumbing line leaks and mold later forms behind a wall; the line repair may be covered but the mold remediation is excluded as secondary damage
- A homeowner files for visible mold with no covered mechanical failure behind it; denied because mold itself is not a covered item
- Mold is found during an unrelated covered repair; the contractor addresses only the covered component, not the mold
- Secondary-damage and consequential-loss clauses that exclude mold even when the original failure was covered
- Whether any mold sub-limit exists at all, and how low the cap is if one is offered as an add-on
- Language that the plan covers a repair but never the resulting cleanup or restoration
Does a home warranty cover mold damage?
What is usually excluded for mold damage?
Will the warranty pay the full repair cost?
- American Home Shield sample contract secondary-damage exclusions (Provider sample contract, accessed 2026-05)
- Cinch Home Services plan coverage details (Provider plan page, accessed 2026-05)
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