Mold claims
Mold Damage
Florida's humidity makes mold a regular occurrence. Coverage depends almost entirely on tying the mold growth to a covered trigger event under the policy.
Florida first-party claim
What's typically covered
- Mold resulting from a covered water loss (subject to policy sublimits)
- Remediation by licensed Florida mold remediators
- Resulting damage to drywall, flooring, and contents
- Testing and clearance by certified hygienists
- Additional living expenses where habitability is affected
What carriers commonly underpay
- Mold sublimits applied without analysis of the trigger event
- Remediation scope reduced below industry standard (IICRC S520)
- Testing and clearance costs excluded
- Contents losses ignored
- Source-of-loss investigation skipped
What we do differently
- Document the covered water-loss trigger first
- Engage IICRC-certified remediators on scope
- Retain hygienists for pre- and post-remediation testing
- Apply the policy's mold sublimits accurately
- Pursue resulting damage outside the mold sublimit where supported
Signs of damage to look for
- Visible mold growth on walls or ceilings
- Persistent musty odor
- Recurring respiratory symptoms in occupants
- Recent water event in the affected area
- Discoloration behind baseboards or under flooring
If any of the above describes your situation, request a free claim review. We'll evaluate your policy and the loss before you make any decision.
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