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.

Frequently Asked Questions (FAQs)

Is mold damage covered by my 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?

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?

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.

 

Louis Law Group
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Tee Tisdale
Tee Tisdale
22:52 31 Jan 20
My experience with Louis Law Group was excellent, We had a problem with getting payments for the damage to our home... with our homeowners insurance, we had to hire Louis law Group to handle this matter, what we thought would take a year or more turn out to be a few months. Our lawyer Mr. Joseph Wald and staff was wonderful, he communicated with us from the beginning to the end. Attorney J.Ward can have our business any day. We recommend Louis Law Group very highly. To the staff Hats off to you, keep up the good job! We are very happy with the final result. Thank You so much. Mr. & Mrs. T. Tisdaleread more
Elizabeth Mompoint
Elizabeth Mompoint
00:54 11 Dec 19
Pierre and his team are amazing! They really cater to you as a client and help you get the most from your insurance... company! Definitely would recommend!read more
Magalie  Momplaisir
Magalie Momplaisir
00:17 11 Dec 19
I'm extremely pleased with the service I received from Louis Law Group. They're very professional. And they're willing... to go the extra mile to assist. I highly recommend them with anyone who needs to file a claim with there home insurance company.read more
A Chancy
A Chancy
16:46 21 Oct 19
Fighting with the insurance is the last thing anyone wants to tackle. The Louis law group is made up of sharp attorneys... willing to fight for you. We submitted a claim to our insurance company which they quickly denied. This law group picked up our case and was able to make the insurance company pay us for our losses. Although the process took awhile the firm made sure to keep us updated with all aspects of our case. I would highly recommend this firm to handle you battles with the insurance companies.read more
charstar
charstar
20:22 07 Oct 19
Excellent law firm. One of the best experience I have had, they put they’re clients first and work for you none stop.... I love the passion and dedication they have for there clients. I highly recommend Louis Law Group.read more
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