Claims involving mold are some of the more complicated claims to deal with. First and foremost, mold is typically excluded under most insurance policies, and then, only a limited coverage is added back through endorsement, subject to a number of additional exclusions and a payment cap, that may or may not include limits that then apply to other types of damage, normally covered in full. This all becomes even murkier if the damages were hidden.
Mold is only covered for a very specific set of causes...
Then, even if there is coverage for the cause of the mold, you have to deal with the fact that mold takes time to develop. Most insurance companies try to defend against mold claims by arguing that mold takes time to grow and insurance policies don't cover damages that occurred over an extended period of time. They also like to claim the mere presence of mold means you have breached your duty under the insurance policy to protect the property from further damage.
In Florida, there's inactive mold present in nearly every organic building material and once moisture is present, mold can develop in as little as 48 hours under the right conditions.
The presence of mold doesn't mean your claim isn't covered, and it doesn't mean you've failed to protect your property from further damage.
We've handled plenty of mold claims over the years. It's important to make sure your claim is appropriately documented from day 1 and a thorough investigation is done in to the cause and origin of the loss, the length of time that the loss has been occurring, and that all temporary and emergency repairs and services are performed by competent professionals who have your best interests in mind.
It's most important that your claim is properly presented to your insurance company.
If you notice mold in your home, whether you know what has caused it, or not, contact us as soon as possible to discuss the situation, your options, and to schedule a free inspection with no obligation.