Given the mold damage to your belongings over two years, it's essential to understand that renters insurance typically covers damages from sudden and accidental events, not ongoing issues like long-term mold growth.
Coverage for mold is often limited and may only apply if it results from a covered peril, such as water damage from a burst pipe, that was promptly reported. Persistent mold damage due to maintenance neglect is generally excluded. For a definitive answer on your specific situation, review your policy details and consult with your insurance agent.
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