Home or commercial insurance mold removal depends on the cause of the damage, policy coverage and the insurance company.
As stated, the carrier and your policy will determine coverage. A majority of providers that do offer coverage have limits.
If you have a leak and do nothing about it for some time pesky spores will begin to grow. Basically, homeowners insurance may protect you if the claim filed is part of a peril. There are exceptions. We can help you navigate the complexity of your policy.
Usually, the home or commercial insurance company will only cover what the policy lists. Fire and vandalism coverage is standard on most policies, however, additional coverage may be needed in some instances.