I want to file a mold claim. What proof will the insurer want?

Home insuranceHow to fileTexasChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗

In short

Use a mold professional who has a state license.
You need an inspection that shows the mold is gone and the cause is fixed.
Mold professionals must give a certificate that the mold was removed.

What this means

TDI gives three tips for a mold removal claim. Make sure the mold professional has a state license. You will need an inspection to show that mold was removed and that you fixed the problem that caused it. Mold professionals must provide a certificate that the mold was removed [1].

TDI also says to take pictures or video of the damage before repairs if you can, and not to throw away damaged items until the adjuster has seen them. Make temporary repairs to protect the house and keep the receipts [1].

Your next step

Before you hire anyone, ask whether they hold the state license and will give you the removal certificate. Keep that certificate with your claim file. The TDI page gives no number of days for the mold claim.

Check it yourself

Open the TDI page and read "Filing a mold claim" at the bottom.

Where this comes from (1)

[1] TDI · checked 2026-11-06
Make a list of your damaged property. If possible, take pictures or videos of the damage before making any repairs. Don’t throw away any damaged items until your adjuster has seen them. Make temporary repairs to protect your house and belongings. … Keep receipts for any materials you bought to make repairs. … Make sure the mold professional has a state license. You’ll need an inspection to show that mold was removed …

How we found this

We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

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Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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