Florida Mold Damage Insurance Claims Lawyers

Mold growth in homes and businesses poses significant health risks and can lead to substantial property damage. Mold growth can happen fast in Florida’s humid climate, which is why you need to understand the implications of mold infestations.

More importantly, you need to know when it’s time to talk to a Florida mold damage claim lawyer for help. Here’s how to handle mold claims.

Understanding Mold Growth and Its Causes

Mold thrives in environments with high humidity and moisture. Florida has lots of both, so it’s no surprise that mold spores thrive in the Sunshine State.

The already humid conditions that Florida is known for are only part of the problem. Those factors alone don’t typically lead to toxic mold cases or widespread mold contamination. Usually, a mold infestation can be linked to issues such as:

A busted pipe
Poor ventilation
Storms
Water intrusion
Flooding

If any of these issues have occurred at your property, you are at risk of a mold issue and the health hazards that come with them. Mold, particularly black mold, can infiltrate many different areas of your property, including walls, ceilings, and floors. Recognizing the cause of mold growth is crucial for prevention and timely remediation.

A mold problem can lead to structural damage to your property. Exposure to mold, especially toxic varieties like black mold, can cause health issues like a runny nose, allergic reactions, and other difficulties. And then there’s the cost to cover mold damage, which can be significant.

Insurance Coverage for Mold Damage

Not every insurance policy will cover mold. Those that do may have strict limits on what’s covered and what’s not. Insurance companies are notorious for including subtle or hidden loopholes in their documents that minimize how much they have to pay out.

Carefully review your policy to see if it includes mold remediation and other costs associated with a mold infestation in your home. Many insurance companies exclude mold damage or set specific limits and deductibles.

For example, some policies may only cover mold resulting from a “covered peril,” such as a busted pipe. They may not cover mold due to maintenance issues.

Insurance companies may also try to deny your claim or delay a payout. Make sure you know your policy, and don’t hesitate to find an experienced attorney if your insurance company refuses to do the right thing.

Filing a Mold Damage Claim With Your Insurance Company

When filing a mold damage claim, make sure that you:

Keep detailed records of moldy areas and gather photographic evidence
Retain any receipts for repairs or replacements
Notify your insurance company about the damage and submit all required documentation as quickly as possible
Be prepared to submit additional forms or evidence
Insurance companies may delay or deny your claim; be ready to appeal or negotiate

Even if your policy is supposed to cover mold damage, your insurer may refuse to negotiate in good faith. That’s when it’s time to consult with a law firm that is knowledgeable in Florida mold cases.

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Navigating the Claims Process

The claim filing process can be intricate and time-consuming. Don’t expect your insurance company to just cut you a check. Keep a record of all interactions with your insurance company, including dates, times, and what you talked about. While you don’t want to be combative or rude, you shouldn’t assume that the insurance company is on your side. They aren’t.

If your mold remediation insurance claims get denied, hire an attorney as soon as possible. A Florida mold damage claim lawyer can help you navigate this tedious process and hold your insurance company accountable.

They will communicate directly with the insurer on your behalf so that you can focus on putting your life back together and dealing with any health issues related to mold exposure.

Gathering Evidence and Documentation

Thorough documentation can help you avoid mold insurance coverage disputes in Florida. To strengthen your claim, you should:

Document affected areas where you see mold develop
Obtain inspection reports from professionals who are trained to identify mold presence and its causes
If you experience health issues, gather all medical records and diagnoses so you can link your injuries to mold exposure
Keep copies of any expense you incur as a result of the mold

A skilled attorney will help with evidence gathering and ensure all supporting documents are submitted to the insurance company in a timely manner. They may also hire expert witnesses to support your claims and strengthen your position during negotiations.

Seeking Compensation and Damages

Mold remediation can be incredibly expensive, not to mention the medical bills and costs of replacing your damaged belongings. The good news is that you may be entitled to compensation, especially if the mold exposure was due to the negligence of another.

A Florida property damage insurance lawyer can help you seek compensation in accordance with your insurance policy and hold negligent parties accountable for their action or inaction. They may pursue compensation for all costs associated with your mold exposure, including medical bills, water damage repairs, property losses, and remediation.

The sooner you partner with the right attorney, the better your odds of resolving your case quickly. Make sure you choose a law firm that is experienced in toxic mold cases. These types of litigation can be especially challenging to navigate, which is why you want someone in your corner who has a proven track record of success.

How to Help Your Toxic Mold Attorney Help You

A Florida property damage insurance lawyer will fight for your rights. However, you have to do your part so they are in a position to succeed. You can help your attorney by doing the following:

Document any health issues resulting from toxic mold
Take photographs of any areas impacted by mold growth, including your shower curtain, walls, ceiling, and air vents
Submit inspection reports and any other evidence to strengthen your claim
Provide a copy of your insurance policy and any emails related to your claim

Your attorney is going to fight for you and, if necessary, take your case to trial. However, you have to give them the resources they need to build a strong case on your behalf.

Get Help From a Florida Mold Damage Claims Attorney

Finding out that you’ve been exposed to toxic mold can be scary and stressful, especially if the incident has displaced you from your home and left you facing severe reactions or health problems. Don’t navigate this challenge alone.

Instead, team up with an experienced lawyer who is willing to take on the insurance companies. Kennon Law has litigated numerous toxic mold cases in the Sunshine State and knows what it takes to build a strong case.

If you need Florida mold insurance claim help, contact Kennon Law. Schedule a free consultation today, and let’s discuss your next move.

Frequently Asked Questions

What Costs May a Mold Damage Claim Cover?

A mold damage claim may assist with costs such as:

Testing and inspecting your home
Remediation (clean up) and removal
Repairs
Replacing personal property
Covering your housing costs during clean-up

If you file a lawsuit or reach a settlement with an at-fault party for a mold infestation issue, you may also recover money to cover medical bills, pain and suffering, and other costs associated with the incident.

What Is the Statute of Limitations on Mold in Florida?

The statute of limitations on mold damage claims will vary depending on the nature of your case. Typically, negligence cases are subject to a two-year statute of limitations. That means you have two years from the date of your injury to file a claim.

In some cases, the two-year limit may begin when you discover the extent of your injuries, not on the date they occur.

A toxic mold attorney in Florida can help you file a claim in a timely manner so that you do not forfeit your right to damages.

Are Mold Cases Hard to Win?

A toxic mold lawsuit can be tough to win due to the complexities of proving toxic mold exposure and then linking that exposure to your health problems. A mold damage claims lawyer in Florida can help you gather important evidence and negotiate a fair settlement in your mold case. Kennon Law can provide a free consultation and help you evaluate your next steps as you deal with the aftermath of toxic mold exposure.

How Much Is the Mold Settlement in Florida?

Settlement amounts for mold cases in Florida vary widely based on factors such as the extent of damages, health impacts, and the responsible party’s level of negligence. Filing a mold damage insurance claim is the first step to ensuring the at-fault party is held liable for the harm they caused.

Act quickly if you or a loved one have been negatively impacted by mold growth so you can give yourself the best chance of obtaining a fair settlement.

Do I Need an Attorney for Help With a Toxic Mold Claim?

You aren’t legally obligated to hire a mold damage claim lawyer to initiate a lawsuit. However, the right lawyer can fight to ensure liable parties are held responsible and negotiate for fair compensation on your behalf. An attorney experienced in mold-related cases can also take your case to trial if the at-fault parties fail to negotiate in good faith.

Is Mold Damage Considered Personal Injury?

Mold exposure can lead to health problems or personal injury. An experienced attorney can help you recover damages and money for medical bills if you suffer from toxic mold exposure. They will help you gather the necessary evidence to prove the mold exposure and establish a link between the incident and your health problems.

Can You Sue for Mold Exposure in Florida?

Yes, you may be able to sue a property owner for mold exposure, especially if it causes personal injuries or long-term health problems. Let’s say you are a tenant, and your landlord fails to prevent mold growth. In that scenario, you may be able to sue them for damages.

You may also be able to sue builders or contractors if poor construction leads to mold growth or homeowners if they don’t disclose a known mold problem during your transaction. A black mold insurance claim attorney can help you initiate a lawsuit and seek compensation for your injuries.

What Types of Mold Damage Are Typically Excluded From Insurance Policies?

Many insurance policies exclude coverage for mold damage resulting from negligence. For example, if you know you have a roof leak and ignore it for months, any mold related to that issue may not be covered. Your policy may also exclude mold caused by flooding-related water damage.

Review the specific language in your insurance policy to determine what type of mold problems are excluded. If you believe your insurance company is denying a mold claim that your policy covers, contact a bad-faith mold damage claims lawyer right away.

A toxic mold lawyer can provide a free consultation and help you explore your legal options.

What Documentation Do I Need to Support My Mold Damage Claim?

You need lots of evidence to support your mold exposure claim. Your insurance company will want evidence such as:

Photographs and videos
Inspection reports
Repair estimates
Medical records
Communication logs (i.e., email records showing that you obtained repair quotes for remediation and when you made those requests)

When learning how to document mold damage for insurance claims, remember that there’s no such thing as too much evidence to support your case. A Florida mold damage claim lawyer can help you gather important evidence so you can expedite the claim review process.

Are There Limits on How Much My Insurance Will Pay for Mold Damage?

Yes, most insurance policies cap mold remediation benefits at approximately $1,000 to $10,000. However, even if your insurance policy includes a higher cap for toxic mold, your insurer may not pay the full amount. A mold damage claim attorney can help you contest low mold removal payouts and negotiate for more money.

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