Q: I just checked my policy. My homeowner’s policy states that it does not cover (that is, there is an exemption) “molds”. Is the artillery fungus a mold?
A: This is another difficult question, and one that lawyers like to argue. Mold is generally thought of as being a superficial, fuzzy fungus growing on damp or decaying organic matter. Like that fuzzy stuff on old “moldy” bread or on an old orange. The artillery fungus does exhibit such growth during part of its life cycle, when living in damp mulch, and therefore is (at least at times) a “mold” during part of its life cycle.