Mold Can Grow Year-Round!
A mold grows in… everything
According to the Centers for Disease Control and Prevention (CDC), mold is everywhere—it grows year-round and can be found both indoors and outdoors. Mold is a living organism and, as such, it grows and spreads when it has the right conditions—and it likes the damp.
Outdoor molds are commonly found in shady, damp areas and in soil. Indoors, mold can be found where humidity and moisture levels are high, such as in basements, kitchens, bathrooms and on ceilings and wall interiors where water from leaky pipes, roofs or windows can accumulate.
Indoor mold can be ruinous to surfaces (like walls and wall coverings) and to your belongings.
Most mold is not covered by a standard homeowners policy
Mold, like rot and insect infestation, is a home maintenance issue and these are generally not covered by standard homeowners insurance policies. However, in the event that mold growth is the direct result of a covered peril such as a burst pipe, the cost of eliminating the mold may be covered. If you have federal flood insurance, it may cover you for mold and/or mildew damage—but only if it is directly attributable to a flood.
However, since it's unlikely you're covered for mold, it's even more important to keep your home mold-free—and in that effort, a strong offense is definitely your best defense.