Q: But the actual spores stuck to the side of my house are not molds, are they? If not, then does my insurance policy include them?
A: The spores on the side of your house are the reproductive structures of the fungus (although not biologically correct, think “seeds”). A good analogy is that they are shot like bullets from a gun. Just as the “bullets” are not the same as the “gun”, the “spore masses” on your house are not the same as a “mold”. Lawyers can put whatever spin they want on such terminology. And they do.