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Mold Damage Insurance Claims Lawyer in Florida

Mold Damage Insurance Claims Lawyer in Florida

Many people flock to Florida to take up residence in the gorgeous weather; after all, it is dubbed the Sunshine state. However, with the good comes the bad and the humid subtropical climate can be a breeding ground for unwelcome guests such as mold. 

Often, mold goes undetected for years until the problem is no longer manageable for the property owner — for example, a homeowner who is not aware of a leaky pipe. The continuous drip in a dark, enclosed cabinet is an ideal breeding ground for mold. At which point, an experienced mold remediation contractor may need to be contacted for testing and inspection.

Issues with mold may also crop after weather-related events as well. Properties can be particularly vulnerable to spread of mold after hurricanes.  After hurricane Irma, Floridians had to wait weeks for the damage to be seen by an adjuster before repairs could be made. Dealing with back to back hurricanes, insurance companies were not prepared and understaffed, leaving homes susceptible to mold infiltration, thus leading to costly remediation and repairs.

Why You Need An Insurance Lawyer

Florida insurance companies tend to look for loopholes to justify minimizing or denying fair compensation for  homeowner’s mold claims. They often try to discourage policyholders from filing mold damage claims with legal and industry-specific terminology that’s hard to understand.

If your insurance company trying to avoid compensating you, you need an experienced attorney to help you interpret your insurance policy, properly file a mold damage claim, and fight on your behalf.

Contact the Louis Law Group

The Louis Law Group can assist property owners with new, underpaid, and denied mold coverage claims.

If you need help with recovering any losses resulting from mold damage or find yourself in a dispute, contact us today, call (954) 676-4179 for a free consultation.

We help clients with mold damage property claims throughout Florida

Map of Florida
Map of the State of Florida
"The Sunshine State"

If your property is located anywhere in the State of Florida and has sustained mold damage, the Louis Law Group can help you with an existing mold claim or with filing a new claim against your homeowner's insurance company. Call (954) 676-4179 for a free consultation.

Frequently Asked Questions (FAQs)

Is mold damage covered by my Florida homeowner’s insurance?

Mold exclusions are now a part of most standard homeowner’s insurance policies. Since covered water losses are usually the primary source of mold growth, your insurance company should be responsible for the cost of mold removal – as long as your home was damaged by water first. Mold growing on a water-damaged walk, floor, or wall is a sign of water damage. Many states have approved homeowner’s policies that allow a basic dollar amount for mold remediation. These policies enable you to buy back higher limits.

When is mold covered by property insurance in Florida?

Your standard homeowner’s policy may cover sudden mold-related incidents, which usually means that the mold damage was caused by a “covered peril.” This is an incident that causes the damage or loss that your insurance policy provides the necessary coverage for.

Here are some examples of covered perils:

  • Fire
  • Lightning
  • Theft
  • Vandalism
  • Falling objects
  • Water damage from frozen pipes and broken pipes
  • Water damage from leaks that are accidental or overflows from plumbing, heating, sprinkler systems, air conditioners, or appliances.


It’s best to check your policy to see what its mold exclusions are. Check with your insurance agent if you need to modify your coverage or seek an outside source if you need more.

When is mold not covered by my homeowner’s insurance policy in Florida?

There are situations when a homeowner’s insurance policy won’t cover mold. There are exclusions. These may include frozen and burst pipes that you didn’t notice, or a roof that hasn’t been replaced in 40 years and that allowed water to seep into your home. Another reason could be mold growing on the ceiling above your shower that waited too long to address before calling your insurance company. There may be other situations that your insurance policy won’t cover, too.


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