Will Insurance Cover Mold Damage?

Mold can be a major issue for both homeowners and businesses. For those unfortunate enough to be affected by mold, the task of dealing with it can often be difficult or expensive—but what about insurance? Can you get help from your insurer if you have mold damage in your home or business in Florida? Here's what you need to know.

The Basics

The short answer is yes, some insurance policies will cover mold damage in Florida. However, this isn't always the case and there are a few other factors that come into play as well. Specifically, how much coverage you'll get depends on the type of policy you have and what kind of damage was caused by the mold.

For example, most standard homeowner’s policies do not cover any damage that occurs due to mold growth except for limited water-related damage. This means that if the cause of the mold is a plumbing leak or flood, then your policy may cover some of the costs associated with removing and repairing any damages caused by the mold. In terms of businesses, most commercial property insurance policies provide coverage for mold up to a certain limit. However, this coverage only applies if it was caused by a covered peril like fire or water damage (for example).

Understanding Your Coverage Limits

It's important to understand that different insurers set their own limits when it comes to how much coverage they will provide for Mold-related damage in Florida. This can range anywhere from just covering basic repairs up to large-scale restoration projects. It's therefore essential that you read through your policy carefully prior to filing any claims so that you know exactly what is and isn't covered under your plan.;

Common Exclusions

Most insurers won't cover any costs associated with removing items like carpets and furniture contaminated by mold spores as this is generally considered “maintenance” rather than damage caused by an external event—so keep this in mind as well! Additionally, some policies may also exclude losses due to changes in temperature/humidity levels; these should be checked before making any claims too.

What To Do If You Need Help With Mold Damage In Florida?

If you're concerned about potential mold issues at home or business—or if you already have an active problem—contact your insurer immediately for more details on what kind of help they may be able to provide. Then make sure that when submitting a claim, all necessary documents (including photos) are available so that your insurer can assess the situation quickly and accurately - they may even offer additional advice or recommendations on how best to deal with the issue at hand!

If all else fails though – don’t panic! There are still plenty of options available such as hiring professional remediation companies who specialize in treating mold-related problems; doing so should ensure that the job is completed correctly while also giving peace of mind knowing that it’s being handled correctly according to local standards and regulations.

Will Insurance Cover Mold Damage In Florida?

In summary, yes – some insurance policies will cover Mold-related damages incurred in Florida however exact details will vary depending on both the type of policy held as well as the cause/extent of damages incurred. Therefore – make sure to always check with your insurer directly before submitting any claims or engaging professionals for help with remediation work!

Are you ready to get started? Contact us today for appointments or more information about our professional decontamination services which keep properties safe & healthy all year round!

For more information, contact us online or call one of our Florida locations: North at 904-397-4030, Central at 813-606-6668, or South at 239-961-9995

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