George says: Insurance companies paid record amounts for mold claims after the 2004 hurricane season. In response most insurance companies stopped covering mold as part of the main policy and instead offered mold coverage as a separate rider. Their thinking was that if water damage is ignored or neglected, then it turns to mold. This would be considered homeowner neglect and, therefore, would not be a covered event. Although neglect is sometimes the case, more often than not the water leak is not visible to the naked eye or it is not in a place the homeowner frequents, e.g. a roof leak into the attic. In many cases we see in Florida, homes are vacant for months at a time so leaks are not found until it’s too late and mold has had ample time to grow.