Mold Damage Insurance Claims Lawyer in Florida

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.