Harvey Flood affected homes

Some homeowners who have filed claims for mold or water damage later experience difficulty in renewing or obtaining new insurance coverage for their homes. Contact the Texas Department of Insurance (TDI) for possible assistance if you have difficulty finding an insurer. CLUE tracks claims filed on properties all across the nation. The database tracks both the claims history of your house and on claims filed a homeowner. CLUE is administered by LexisNexis.In general, property claims filed with insurers are recorded in the CLUE database. In some cases, insurers may have reported inquiries about how to file a mold claim, even when no claim was made. Home buyers may request a building's CLUE report. Claims on your property may prevent potential buyers from obtaining homeowner's insurance. This in turn may limit your ability to sell the property. Therefore consider carefully whether to file repair claims on your home.

Under federal law, you can challenge incorrect information in your CLUE report. If you are denied homeowner's coverage because of a CLUE report, you are entitled to receive the report free. Contact the Equifax Insurance Consumer Center at (800) 456-6004. You do not have to report mold problems to your insurance company if you pay for the remediation. However in order to accept a claim, your policy may require you to report water damage to your insurance company within a set time (generally 30 days) after you discover or should have discovered the damage.

Thats a good question. Hard to find the answer, here is the link to the EPA website: https://www.epa.gov/mold/mold-testing-or-sampling. Assurances will have to be made to prospective homeowners. Reputable contractor receipts and photos will help.