Your Insurance Company: After your home flooded in a recent hurricane, the insurance company took their time before sending an adjustor and paying for repairs. Now because they took their sweet time and allowed the water to stagnate, mold is now growing out of control. It’s the insurance company’s fault that you have mold, so get your lawyer on the phone right away – right? Not so fast. Most insurance companies specifically do not cover mold. They may cover water intrusion, but not the mold that may result because of it, even if it is partly their fault for not assessing the damage fast enough. Other times, the language in your policy is just unclear. In this case, you’ll have to hire an army of lawyers to compete against your insurance company’s defense team. Don’t hold your breath. Insurance companies have more money than you to spend on litigation, and they do not like to lose.