Home Owners Insurance Coverage

Navigating Mold Issues and Home Insurance in Florida? We're Here to Assist!

Mold problems can be stressful for homeowners and businesses in Florida. The good news is, many insurance policies offer coverage for mold cleanup, but it really depends on the details of your policy and what caused the issue. At Mold Masters, we’re experts at guiding you through the remediation process and helping you see if your loss could be covered by your insurance.

Do You Have Hurricane Damage? 🏚Flooding? 🌊 or Leaky Pipes? 🚰

Will Your Homeowners Insurance Cover Mold Damage?

In Florida, most homeowners insurance policies cover mold damage, if it’s caused by a catastrophic, sudden, weather, or accidental water event. Think of things like:


🏡 Roof leaks from storm damage

🛁 Pipes bursting or leaking suddenly

🍽️ Fridge or dishwasher leaks

❄️ Air conditioner drain line gets clogged or breaks

⛈️ Hail, Wind, or Flood Damage from a storm

🏚️ Flooding (if you have extra flood insurance)


However, mold damage that happens because of neglect, deferred maintenance, leaks caused by an old roof, mold/water damage that was there when you bought the home (pre-existing condition), high temperature or humidity, leaky window sills, etc. are often not covered by homeowners insurance.


Some insurance companies do offer additional mold coverage, that you can add on to your policy for an additional cost, to help cover the cost of a remediation and your rebuild.

Need help understanding your claim? We can help walk you through the process!

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Mold caused by storm surge and flooding in a home

Things to Keep in Mind About Insurance Coverage:

Even if your policy does cover mold cleanup, there might be limits. Some policies might cap mold-related claims at $10,000, or not even cover mold that’s been a problem for a long time and has not been taken care of. Commercial policies might have even more limited coverage, usually only if the mold is caused by something else that’s covered, like a fire or water damage.

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Steps to File a Mold Damage Insurance Claim:


If you think you have mold damage and need to file an insurance claim, here’s what to do:


1️⃣ Document Everything: Take lots of clear photos and videos of the moldy areas. Also, make note of any visible water damage that might have led to the mold.

2️⃣ Contact Your Insurance Company Right Away: Report the mold issue as soon as possible. Ask them to send a field adjuster to check out the damage.

3️⃣ Get a Professional Mold Inspection: A certified mold remediation expert (like us at Mold Masters!) can give you a detailed report to support your loss and claim. It should have measurements, required equipment, detailed photos, floor plans, etc.

4️⃣ Review Your Policy Carefully: Look at your policy’s declarations page to see exactly what’s covered and what the limits are. Good news is if the water damage came from storm damage, the mold will fall under your Coverage A vs Mold & Fungi Coverage. That means you will have much higher policy limits to help pay for your damage.

5️⃣ Prevent More Damage: Insurance companies expect you to take steps to stop the damage from getting worse (like fixing leaks with a roofer or plumber, putting up a tarp, etc.).

6️⃣ Document All Out of Pocket Expenses: Keep receipts from all of your parts, professional repairs, and inspections. You can submit them to your insurance, and they will apply them towards your deductible. That means you get more money back in your pocket!

7️⃣ Keep Track of Your Claim: Keep all records of your conversations with your insurance company. Build a journal and log every phone call and email with a date, time and notes. If your claim is denied, you can appeal or get help from a public adjuster.

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Frequently Asked Questions:

  • Does Florida Homeowners Insurance Cover Mold from Hurricanes?

    Mold caused by hurricane damage might be covered, if you have roof damage or wind driven rain. You’ll probably need a separate flood policy for mold that was caused by storm surge or flooding. If not, you’ll have to seek additional assistance from FEMA.

  • What if My Insurance Claim is Denied?

    Ask for a clear explanation of why, check your policy again, and think about hiring a public adjuster or lawyer to help.


  • How Much Mold Coverage Do Most Policies Offer?

    It changes, but it’s often $10,000 for Mold & Fungi and $10,000 for Water Loss. That is unless you have extra mold insurance. Also, how much coverage is afforded will depend on the type of type of water event happened.

  • Will My Insurance Pay for My Rebuild?

    Usually they do! The funds for your rebuild traditionally will come from your Water Loss Coverage, and the Mold Remediation will be taken care of under your Mold & Fungi Coverage. Granted, when it comes to a Natural Disaster loss, deductible, coverage, and payout limits may change.


Feeling lost or confused? 😵‍💫 We can help! 💪

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Need Help with Finding Out if Your Mold Damage is Insured?


If you’re dealing with mold and need to work with your insurance company, Mold Masters is ready to assist. We have lots of experience helping Florida homeowners and businesses with their insurance claims and providing excellent mold cleanup services.


Contact Mold Masters today to protect your property and make the insurance claim process easier. Give us a call or send us a message online to get started!