Understanding Mold Damage Claims in Florida

In Florida, hurricanes, storms, broken pipes, and rising sea levels can lead to damp and flooded conditions in homes, creating an environment conducive to mold growth. This not only threatens the integrity of your property but can also pose serious health risks.

At Tarrash & Tarrash, our mold damage claim lawyers understand that mold removal can be costly, and not all insurance policies cover mold infestations. This often leaves residents to face significant expenses alone. If your mold damage claim has been delayed, denied, or only partially paid, we are here to advocate for you and help you secure the compensation you deserve under your policy.

What Causes Mold Damage in Florida?

According to the Federal Emergency Management Agency (FEMA), mold can start to develop within 24 to 48 hours of water exposure. Once mold begins to grow, it will continue unless the source of moisture is eliminated.

When water intrusion occurs in your home, condo, or business, your insurance company is typically responsible for the resulting damages, including the necessary cleanup and replacement costs.

Common sources of water damage that can lead to mold growth include:

• Broken or ruptured pipes
• Flooding from storms and hurricanes
• Leaks from roofs and windows
• Sewage backups 

Unfortunately, many residential and commercial insurance policies exclude mold damage coverage, putting property owners in a challenging situation. If flooding caused by a storm leads to mold, your insurance company should be held accountable for the water damage coverage outlined in your policy.

At Tarrash & Tarrash, we can help you ensure your insurance provider fulfills their obligations under your policy.

Health Risks Associated with Mold

The Environmental Protection Agency (EPA) warns that failing to address mold infestations and contaminated materials after flooding can lead to severe health problems, some of which may become chronic.

Common health issues related to mold exposure include:

• Aches and pains
• Eye irritation (burning, watering, redness)
• Fatigue and lethargy
• Nasal congestion or dry cough
• Neurological symptoms (headaches, memory loss, mood changes)
• Respiratory issues (wheezing, asthma attacks)
• Skin irritations (rashes, hives)

The Centers for Disease Control (CDC) advises that if a home has been flooded or contains wet carpets, flooring, or furniture for longer than 24 to 48 hours, homeowners should assume mold is present and take immediate action to remove it before reoccupying the space.

Can Mold Cause Serious Property Damage in Florida?

Mold grows quickly and can infest personal belongings, such as furniture, bedding, towels, and clothing, leading to irreversible damage. Even prompt removal may not prevent the need for complete replacements.

At Tarrash & Tarrash, our attorneys have represented homeowners and business owners across Florida, including those with seasonal properties. Flooding can make it difficult to identify mold issues for months, often resulting in significant contamination by the time it is discovered.

Whether mold problems are detected early or after a delay, the costs of mold removal and property replacement can be substantial, putting residents in a challenging financial position.

If you have been paying your insurance premiums and your policy includes coverage for flood or water damage, it is important to know that you can pursue your insurance company for compensation related to your mold problem. Contact us today 954-666-5881