Suspect a Mold Problem? Here’s What You Should Do

Mold Damage Insurance Claims Lawyer in Florida

According to the Florida Department of Health, the presence of mold in the air is normal. However, if you suspect a mold problem in your home, don’t let it go untreated. In some people, exposure to mold can cause serious health issues.

Mold Tips for Florida Property Owners

If you suspect mold exists in your home or building, the Florida Department of Health recommends the following ways to investigate the issue.

  • Look for visible mold growth (it may look cottony, velvety, rough, or leathery and have different colors like white, gray, brown, black, yellow, or green). Mold often appears as a staining or fuzzy growth on furniture or building materials (walls, ceilings, or anything made of wood or paper). Look for signs of moisture or water damage (water leaks, standing water, water stains, condensation, or other areas with substantial moisture).
  • Check around air-handling units for standing water. Routinely inspect the evaporator coils, liner surfaces, drain pans, and drain lines.
  • Search areas where you notice mold odors. If an earthy or musty smell is present, you may have a mold problem.
  • If mold-allergic people experience allergy symptoms in your home, you may have a mold problem.

Aside from an act of nature, you can help prevent mold from spreading by doing the following:

  • Cleaning and drying spills within 24 hours.
  • Drying wet building materials and carpets within 24 hours.
  • Using an air conditioner or a dehumidifier to reduce indoor humidity levels.
  • Not installing carpets in bathrooms or basements.

Does Your Florida Homeowner’s Policy Cover Mold Damage?

It’s important to understand that your homeowner’s policy will only cover mold removal if the cause of the mold is from a peril already covered on your homeowner’s policy. For example, if the mold is the result of water damage from a burst pipe, it may be covered under the water damage coverage on your insurance policy.

Other scenarios where you may find coverage include:

  • Water heater bursts releasing water, allowing black mold to grow on the nearby walls.
  • Your house catches fire, and mold develops from the water used to extinguish the flames.
  • A malfunction in your dishwasher causes it to flood your kitchen, creating a breeding ground for mold along your baseboards.

However, there is a catch. Damage from mold can range up to $30,000 in some instances, and your homeowner’s policy may not cover the entire bill. Insurance companies have ways of reducing their risk. One of those is by limiting how much they will pay for mold damage, even if it is the result of a covered peril. Another way is by claiming that the damage is a result of your negligence and denying the claim altogether.

Contact a Mold Damage Lawyer at Louis Law Group

If you find yourself in a situation where you are battling your insurance company over a mold damage claim, contact our office today. Our experienced insurance litigators will listen to the details of your case and offer advice on the best way to proceed. Haven’t filed a mold claim yet? Give us a call. We can help you file a claim with your carrier, and ensure that your claim will be handled correctly and efficiently.

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