If you have mold damage to your home and it is due to something that's covered in your insurance, such as water damage, a lot of the time it is covered. If it is a mold infection that has occurred over time, it is probably not covered. These are two general rules to go by if you're trying to get your insurance company to cover the cost of removing the mold from your home.

Insurance companies are scrambling for reasons to deny insurance claims concerning mold and what adjusters and claim representatives like to tell people intending on filing a mold-related insurance claim is that mold has been around longer than people have and that it's not as dangerous as all the hype is making it out to be.

If you are going to file an insurance claim related to mold and they tell you that, it might be a good idea (especially if your claims adjuster is Jewish or Christian) to quote to them Leviticus 14:33-48.

This is a scripture in the Bible that all but plainly records what the Lord has to say about mold and the dangers of it growing in the home. It says that the house is considered unclean and the mold should be removed and disposed of properly (i.e. away from where there are people).

In this way, you will possibly have the upper hand because they will no longer be able to say that mold has only been recently seen as a problem when it grows in the home. Even if you are not Jewish or Christian, the text does prove that mold has not only existed as long as people have, but that it has been a problem just as long.

If you can prove that the mold in your home was a secondary problem caused by something that is covered by your insurance, your company might cover the funds needed to correct the problem. Read over your policy and determine what is covered by your insurance policy and what is not.

Whatever you do, do not let your insurance adjuster sneakily get you to agree that the mold in your home has been around for a long time or that there could be a water leak hidden somewhere near the infection.

As soon as you even remotely agree to something like this, they have you where they want you. Wait until any and all investigation into the problem is completed before you agree to anything with your insurance company.

List everything you need to have covered, including the cost of you having to relocate while the mold remediation is taking place and make sure you get all of the benefits that you are supposed to get under your policy.