Here in Miami and all across Florida, mold is a real problem that has to be taken seriously. Humid climate and frequent rains in Florida turn it into an ideal environment for mold to grow, damaging millions homes of homeowners across Florida.
“Pfft, mold is not really a problem, because I have insurance coverage for property damage caused by mold,” a typical homeowner in Miami may think.
But let’s get real for a second: here is a question to you from our Miami mold damage attorney: Are you really sure that you have insurance coverage for mold damage?
Is mold damage covered by homeowner insurance policies in Florida?
While some insurance policies do provide coverage for home damage caused by mold, many insurance companies across Florida exclude coverage for any property damages caused by the toxic fungi. Not to mention that even those that provide coverage for mold damage make it extremely limited and/or difficult to obtain.
Today, we brought our best Miami mold insurance attorney from the Korin Law, P.A., to outline what things every homeowner in Florida needs to consider when dealing with home damage caused by mold.
Take mold seriously and review your insurance policy
If your property has been damaged due to mold contamination, do not hesitate to take action immediately. That means:
- contacting a Miami mold damage attorney to review your insurance policy and access coverage for your property damage;
- negotiating with your insurance company to get compensated for mold damage; and
- finally removing mold from your home.
Do not believe your insurer or adjuster who tells you that mold is not something to be afraid of. They will most likely say the common phrase every insurance agent is taught to say, “Mold has been around as long as people have been living in houses, do not worry!” Actually, you do have to worry and take action immediately, as mold can be extremely toxic and cause health problems and illnesses.
How to review your insurance policy
The most important step is to review your insurance policy carefully to understand whether or not home damage caused by mold is actually covered or excluded under your policy. To do that, you will need a copy of your policy (if you do not have one, request it from your insurance company).
When reviewing your policy, our Miami mold insurance lawyer Jonathan Korin advises to pay attention to all the coverages you have as well as policy limits for each coverage. Also, do pay attention to the dates of the policy.
Sadly, many insurers tend to confuse their policyholders with tons of exclusions, exceptions, endorsements and fine print tricks. In order to understand what is covered and insured and what is not, seek legal help of a property damage attorney.
It is more complicated than you think
Home damage caused by mold may be covered by insurance policies in Miami and all across Florida. However, you may have to jump through quite a few hurdles before actually obtaining compensation for your damages and home renovations required to remove mold.
More often than not, property policies are full of exclusions for damages caused by mold, corrosion, pollution, construction defects, and others. There are also “exceptions” to these exclusions which you must be aware of. But in most cases, you have coverage for mold contamination if that mold is caused by or develops as an “after effect” of water damage (which is most likely covered by your policy).
But here’s the problem: most insurance companies in Florida tend to exclude coverage for mold caused by poor repairs, inadequate maintenance, wear and tear, and construction defects, all of which can result in leakage and moisture (two major conditions that give rise to mold).
So are your mold damages covered? Get the answer to this question from our Miami property damage attorney, who will review your insurance policy and establish all available sources for coverage under your policy. Contact the Korin Law, P.A. to get a free consultation. Call our offices at (786) 870-4266 or complete this contact form.