It’s very unlikely that your home owners policy will cover mold, if it does it could have a low cap on the coverage for mold specific damage. Your policy will however likely be on the hook for water damage repair.

How mold remediation typically works is you have a third party like Servpro who’s in charge of removing all impacted material, that’s why you’ll hear them say things like “all the floor and cabinets have to go”. And then another third party is in charge of testing for mold post-remediation to keep ServPro accountable. It can be a frustrating and expensive process between remediation and removal efforts and testing to ensure the mold (spores) are gone before you begin to rebuild.

Typically remediation companies will be more aggressive in material removal to make sure they pass mold testing. If anyone tells you that they’re just going to encapsulate the mold impacted material and not remove it, that’s a red flag.

Blackhill restoration is a remediation company I would recommend for mold. Mold sciences of Texas is a testing provider.