Florida's humid climate makes mold a costly nightmare for homeowners, but most discover their insurance's shocking limitations only after damage occurs. Here's when your policy will actually pay—and the expensive scenarios that leave you footing the bill.
TampaBayMold.net City: Tampa Address: 550 N. Reo St. Suite #300 Website: https://www.tampabaymold.net
Is Mold Remediation Covered by Insurance in
Florida? Here’s the Moldy Truth
Florida homeowners insurance covers mold
remediation only if it results from a covered peril;
policy caps usually range from $5,000 to $10,000,
leading to potential coverage gaps
Mold endorsements can extend
coverage but come with added
costs, requiring immediate
action and documentation for
successful claims
Policy exclusions highlight the need for informed decisions on additional protection
options.
The insurance industry's cautious approach to
mold claims traces back to the early 2000s "mold
crisis," fundamentally reshaping coverage terms
Mold coverage hinges on causation distinctions
between sudden events and maintenance issues, with
strict limits applied
Common scenarios like appliance leaks or burst pipes may receive coverage based on sudden and
accidental criteria.
https://www.tampabaymold.net/
Find Out More At https://www.tampabaymold.net
Florida? Here’s the Moldy Truth
Florida homeowners insurance covers mold
remediation only if it results from a covered peril;
policy caps usually range from $5,000 to $10,000,
leading to potential coverage gaps
Mold endorsements can extend
coverage but come with added
costs, requiring immediate
action and documentation for
successful claims
Policy exclusions highlight the need for informed decisions on additional protection
options.
The insurance industry's cautious approach to
mold claims traces back to the early 2000s "mold
crisis," fundamentally reshaping coverage terms
Mold coverage hinges on causation distinctions
between sudden events and maintenance issues, with
strict limits applied
Common scenarios like appliance leaks or burst pipes may receive coverage based on sudden and
accidental criteria.
https://www.tampabaymold.net/
Find Out More At https://www.tampabaymold.net