Mold Damage Insurance Claims Lawyer in Florida

The Benefits of Having an Experienced Mold Damage Lawyer

Maximized compensation – Insurance companies often attempt to minimize mold damage payouts; an attorney ensures you get the full amount you are entitled to.

Protection against wrongful denials – If your insurer claims that mold is not covered under your policy, an attorney can challenge their interpretation.

Faster claim resolution – An attorney can push the insurer to act promptly, preventing unnecessary delays.

Expert assessment of mold damage – A lawyer works with remediation specialists, contractors, and environmental experts to prove the severity of the damage.

Legal action against bad faith practices – If your insurer engages in unfair tactics, an attorney can hold them accountable through legal action.

No upfront legal fees – Most mold damage attorneys work on a contingency basis, meaning you only pay if they win your case.

Contact Louis Law Group Today

As you can see, the benefits of hiring Louis Law Group as soon as possible after discovering mold damage are considerable. Mold can quickly worsen, leading to serious health risks and extensive property damage. During this stressful time, you need a dedicated legal team on your side to navigate the claims process and fight for the compensation you deserve. Expert legal help is only a phone call away. Call Louis Law Group at (954) 676-4179 or use our convenient online contact form to start your mold damage claim process today.

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?

In Florida, homeowner’s insurance policies typically cover mold damage only if it is caused by a covered peril, such as a sudden and accidental water leak. However, mold is not covered in many cases, including the following:

Neglect or lack of maintenance – If mold develops due to long-term leaks, high humidity, or poor ventilation, insurers may deny coverage, claiming it was preventable.

Flood damage – Standard homeowner’s policies do not cover flood-related mold damage; you need a separate flood insurance policy for that protection.

Gradual water damage – If mold results from slow leaks, seepage, or condensation over time, your insurer may argue that it falls under general wear and tear, which is excluded.

Mold exclusions in the policy – Some policies have specific exclusions for mold damage or set limits on how much they will pay for mold remediation.

Failure to report damage promptly – If you don’t report water damage immediately, allowing mold to spread, your insurer may deny the claim for failure to mitigate losses.

Because mold coverage varies by policy, it’s crucial to review your insurance terms carefully. If your insurer wrongfully denies your mold damage claim, consulting a mold damage claims attorney can help you fight for the coverage you deserve.