Claim types
Mold Damage Claims
In Florida's heat and humidity, mold can appear within a day or two of water intrusion. Many policies cap mold coverage or exclude it unless it results from a covered loss. Connecting the mold to its covered cause — and documenting it with proper testing — is the key to getting remediation paid.
Signs of damage
- Visible black, green, or white growth on walls or ceilings
- Persistent musty odor
- Staining around AC vents or air handlers
- Health symptoms that improve when you leave the property
How insurers underpay
- Applying a low mold sub-limit without reviewing the cause
- Claiming the homeowner failed to mitigate
- Excluding mold as 'long-term' neglect
What to do now
- Identify and stop the water source
- Do not disturb large areas of mold yourself
- Get a professional mold assessment and keep the report
- Let us tie the mold to the original covered loss
Other claim types
Tell us about your claim
Free inspection. No recovery, no fee.
Send a few details and one of our licensed adjusters will personally get back to you. Prefer to talk now? Call (305) 614-2851.
Office address
16375 NE 18th Avenue, Suite #201
North Miami Beach, FL 33162
North Miami Beach, FL 33162