In Hollywood, Florida, where mold is a common household adversary due to the humidity levels, how does one engage the best mold restoration company? More specifically, how does a homeowner address disputes over the qualifications of insurer-approved mold restoration vendors? This concern is more common than you might think and necessitates a deep understanding of your insurance policy and the relevant Florida laws.
Florida homeowners insurance policies often have specific verbiage outlining how losses from mold damage are to be restored. One common issue is the insistence of the insurance company to use specific vendors to restore their property. Specific to insurers in Florida, Florida Statute 626.854(11)(b) details the public adjuster’s requirements in a dispute between a homeowner and insurer regarding property damage claims, including mold mitigation.
It’s crucial to understand that clauses in your policy that dictate the use of insurer-approved mold restoration companies don’t define the quality of services you’re entitled to. It is the responsibility of the insurer to ensure that their preferred vendors meet the industry-accepted standards and state licensing requirements. Under Florida law, a Mold Remediator must be licensed by the Florida Department of Business and Professional Regulation (DBPR) as per Florida Statute 468.8419.
How do you address a dispute over the competency of such vendors? First, you must get an independent mold assessment. This assessment will give an objective view of the mold issue, defining the scope of work needed. Ensure also to inspect for licensed Mold Assessors per Florida Statute 468.8411.
Communicate the findings of the independent assessment to your insurer—asserting your rights under Florida Statute 627.701, which stipulates that after a loss, the insurer must start investigation within 10 days. Armed with accurate information, insist on your insurer’s adherence to the Statute’s requirements, in ensuring a licensed and competent mold restoration vendor undertakes your mold damage repair.
It is often beneficial to seek legal advice in these matters to ensure you are correctly interpreting your policy’s obligations and the qualifications of the insurer-approved mold restoration company. Legal professionals at Louis Law Group specialize in first-party property matters and have an impressive track record of handling related disputes efficiently.
In conclusion, as a homeowner in Hollywood, Florida, falling victim to mold infestation, you have the right to ensure the restoration company approved by your insurer is fully qualified and can provide restoration services in line with the current Florida regulations and standards. If you have disputes over the qualifications of the insurer-approved mold restoration vendors, you don’t have to deal with this alone.
The attorneys at Louis Law Group are available for a free consultation and can clarify any issues related to mold restoration disputes, insurance claims, and Florida insurance law aspects. Take the initiative, defend your rights, and contact us today to secure your home’s future.
Remember: A healthier home is your right, and the law is on your side.
