Worried about out-of-pocket costs? We work directly with most insurance carriers, provide Xactimate-standard estimates, and offer financing options so you can get your home safe without financial stress.
Short answer: sometimes. Whether your homeowners insurance covers mold remediation depends on what caused the mold. If mold developed as a direct result of a "sudden and accidental" covered event — like a burst pipe or storm damage — most policies will cover remediation costs. If mold was caused by long-term neglect or gradual leaks, coverage is usually denied.
Our team reviews your policy and claim details during your $189 inspection, documents the damage with photos and moisture readings, and prepares an Xactimate-formatted estimate that insurance adjusters recognize and process quickly.
Montgomery County sits in mixed flood-risk terrain — from AE zones along the Potomac to X zones in upland Bethesda. Understanding which policy covers what is critical before a loss happens.
| Coverage Type | Homeowners (HO-3) | NFIP Flood Insurance |
|---|---|---|
| Burst pipe / appliance leak | ✅ Covered | ❌ Not covered |
| Storm water through roof/windows | ✅ Covered | ❌ Not covered |
| Flood / surface water intrusion | ❌ Not covered | ✅ Covered |
| Mold from covered water event | ✅ Usually (limits apply) | ⚠️ Limited — building only |
| Gradual leak / maintenance | ❌ Not covered | ❌ Not covered |
| Typical mold coverage limit | $5,000–$10,000 standard | Very limited by NFIP |
| MoCo FEMA flood zones | N/A | Required for AE / A zones |
Coverage limits and terms vary by carrier and policy. Always review your specific policy — we help translate the fine print during your inspection.
OUR PROCESS
A four-step process designed to remove friction from the claims experience.
IICRC-certified technicians inspect the affected area, document damage with dated photos, record moisture readings, and identify the water-damage source. This documentation is the foundation of a successful claim.
We prepare your estimate in Xactimate — the industry-standard software insurance adjusters use. This means faster approvals, fewer back-and-forth revisions, and line-item transparency your carrier expects.
With your authorization, we bill your insurance company directly. Our admin team coordinates with adjusters, answers coverage questions, and handles supplemental requests — so you're not stuck as the middleman.
Every project closes with independent post-remediation air quality testing — documented proof to your carrier, to you, and to future buyers that the remediation met clearance standards.
Whether insurance pays or not, we have options to make remediation affordable.
With your written authorization, we bill your carrier directly — you typically pay only your deductible. Available for most major insurers operating in Maryland.
For claims denied or partially covered, we offer in-house payment schedules so you can start remediation immediately without paying the full amount upfront.
We partner with home-improvement lenders offering 6–60 month terms for qualifying homeowners. Apply at the time of estimate — approval decisions usually within minutes.
We carry every credential Maryland homeowners and insurance carriers expect from a trusted remediation partner.
Maryland Home Improvement
License 168584
Mold Remediation + WRT
Certification
1,000,000$
Commercial policy in force
Full coverage
All employees protected
Certificates of Insurance available on request for property managers, HOAs, and insurance adjusters.
Send us your name, phone, and insurance carrier — we'll call back within one business day with a free policy review and coverage-check for your situation.
Maryland homeowners policies typically cover mold remediation when mold results from a sudden and accidental covered peril — like a burst pipe or storm damage. Mold from gradual leaks or poor maintenance is usually excluded. Most policies cap mold coverage between $5,000 and $10,000 unless you've added an endorsement.
Standard homeowners insurance covers water damage from internal sources (pipes, appliances, roof leaks) but excludes flooding from external surface water. Flood insurance (usually through NFIP) covers flood-caused damage but has very limited mold coverage and only for the building, not personal property. If you're in a MoCo FEMA AE zone, you likely need both.
Yes. With your signed authorization, we bill your insurance carrier directly. You're typically responsible only for your deductible. We coordinate with adjusters, provide Xactimate-formatted estimates, and handle supplemental requests throughout the project.
We review denial letters with you and help identify whether supporting documentation (moisture mapping, photo evidence, IICRC reports) could support an appeal. If the claim remains denied, we offer flexible payment plans and third-party financing so remediation can still move forward quickly.
Yes. Mold Pro Solutions holds a Maryland Home Improvement Commission (MHIC) license (#168584), carries IICRC certifications for mold remediation and water damage restoration, maintains active general liability coverage, and covers all employees under workers' compensation. Certificates of Insurance available on request.
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