Mold damage on wall requiring professional remediation

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.

Professional mold remediation specialist in protective gear treating extensive black mold contamination on walls

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

Water damage from leaks or flooding
High humidity and poor ventilation
HVAC system condensation issues
Roof leaks and water intrusion
Plumbing leaks behind walls
Appliance malfunctions and overflows

Health Risks from Mold Exposure

Respiratory problems and allergies
Asthma attacks and breathing difficulties
Skin and eye irritation
Headaches and fatigue
Immune system suppression
Serious health risks for sensitive individuals

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.

1

Assessment & Testing

Professional mold inspection and air quality testing to determine extent and type of contamination.

2

Containment

Isolating affected areas to prevent mold spores from spreading to uncontaminated areas.

3

Removal & Cleaning

Safe removal of contaminated materials and specialized cleaning of affected surfaces.

4

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.

$0

Insurance Company's Initial Response

CLAIM DENIED

$42,000

Final Settlement We Secured

FULL REMEDIATION COVERED

100%

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.

Don't Let Mold Damage Go Uncovered

Mold can pose serious health risks and cause extensive property damage. Get professional help to ensure your mold claim is properly handled and covered.

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