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Mold insurance coverage is a tricky area in most standard homeowners policies. Usually, if mold results from a covered peril like a sudden pipe burst, the insurance might pay for fixing the pipe but not the mold cleanup. Many policies have a separate, limited endorsement for mold or exclude it entirely unless it's linked to a specific, sudden event. For example, gradual leaks or high humidity damage are often not covered. It's worth reading your policy's fine print or asking your agent about ad…