Mold & Leak Damage Claims
Mold damage can be both a health hazard and a significant financial burden. In Florida's humid climate, mold can develop quickly after water intrusion. Insurance companies often try to deny mold claims or attribute them to maintenance issues. Our expert public adjusters know how to prove mold coverage and ensure you receive proper remediation funding.
Expert Mold Damage Claim Handling
Mold claims are among the most challenging insurance claims to handle successfully. Insurance companies often deny mold claims by claiming the damage was caused by maintenance issues or gradual moisture problems rather than a covered peril.
Our public adjusters work with certified mold inspectors and remediation specialists to properly document mold damage, identify the underlying cause, and prove coverage under your insurance policy.
Health & Safety Priority
We prioritize your family's health and safety while fighting for the coverage needed for proper mold remediation and prevention.
Understanding Mold Damage & Health Risks
Mold can develop from various moisture sources and poses serious health risks that require immediate attention.
Common Causes of Mold Growth
Health Risks from Mold Exposure
Why Insurance Companies Deny Mold Claims
Understanding these common denial tactics can help you protect your claim.
Maintenance Issues
Insurance companies often claim mold resulted from poor maintenance or gradual moisture problems rather than a covered sudden loss.
Pre-Existing Conditions
Companies may argue that mold was present before the covered loss, even when evidence shows the mold resulted from recent water damage.
Policy Exclusions
Insurance companies may point to mold exclusions in policies, even when the mold resulted from a covered peril that should override the exclusion.
Proper Mold Remediation Process
Effective mold remediation requires a systematic approach to ensure complete removal and prevention.
Assessment & Testing
Professional mold inspection and air quality testing to determine extent and type of contamination.
Containment
Isolating affected areas to prevent mold spores from spreading to uncontaminated areas.
Removal & Cleaning
Safe removal of contaminated materials and specialized cleaning of affected surfaces.
Prevention & Restoration
Addressing moisture sources and restoring affected areas to prevent future mold growth.
Denied Mold Claim Success Story
How we turned a denied mold claim into a $42,000 settlement.
Insurance Company's Initial Response
CLAIM DENIED
Final Settlement We Secured
FULL REMEDIATION COVERED
Coverage for Complete Remediation
"After discovering toxic mold following a small water leak, our claim was denied. Public FL Adjusters proved the mold resulted from a covered loss and got us $42,000 for complete remediation and restoration!"— Sarah G., Tampa
Mold Damage Claims FAQ
Common questions about mold and leak damage insurance claims.