Mold Damage Insurance Claims Lawyer
Mold can spread quickly, hide deep within the structure of your home, and cause serious health and property concerns.
When mold appears after a water leak, plumbing failure, or storm-related intrusion, homeowners often expect their insurance company to step in and help. Instead, many Florida policyholders face delays, denials, or accusations that the mold was preventable or preexisting.
At Gelber Law Group, we know how overwhelming mold damage can be, and how insurance companies often try to avoid paying for cleanup and repairs. Our team keeps homeowners informed at every stage of their claim, provides strategic guidance, and fights aggressively for the highest possible payout. Whether negotiating directly with the insurer or litigating in court, our attorneys are formidable advocates dedicated to restoring your home and peace of mind.
Is Mold Covered by My Homeowners Insurance Policy?
Coverage for mold damage depends heavily on what caused the mold and how the policy is written. Most Florida homeowners’ insurance policies do not cover mold on its own, but will cover mold when it is a direct result of a covered water event.
Examples of mold that may be covered include:
- Mold resulting from a sudden pipe burst
- Mold caused by an accidental appliance overflow
- Mold from storm-created openings
- Mold following a roof leak caused by windstorm damage
- Mold linked to a covered plumbing failure
Insurance companies often attempt to deny mold-related claims by stating:
- The mold was caused by long-term neglect
- Humidity, condensation, or maintenance issues were to blame
- The mold existed before the reported loss
- The homeowner failed to take “reasonable steps” to prevent damage
Gelber Law Group reviews your policy, investigates the cause of your mold, and challenges any denial that is based on unfair assumptions or insufficient investigation.
How Can I Prevent a Mold Damage Claim Denial?
Insurance companies frequently deny mold claims by blaming the homeowner. Protect yourself by taking fast, documented action the moment you suspect moisture or mold growth.
Steps that strengthen your claim include:
- Document everything with photos and videos of moisture, leaks, stains, or visible mold.
- Report the loss immediately to your insurance company.
- Request professional moisture testing to identify hidden mold behind walls or under flooring.
- Do not attempt full removal on your own since this can harm your claim.
- Save all receipts for temporary repairs, cleanup efforts, and remediation consultations.
The biggest mistake homeowners make is waiting too long to report water intrusion. Even a small leak can create mold growth in as little as 24–48 hours.
Gelber Law Group ensures your claim is properly documented, fully investigated, and protected against unfair denials.
How Dangerous Is Mold in a House?
Mold is more than a cosmetic issue; it can be dangerous for your health and damaging to your home’s structure. Many times, mold grows hidden behind walls, inside cabinets, or under flooring, making it difficult to detect until the damage is severe.
Potential risks include:
- Respiratory irritation and allergic reactions
- Worsening asthma or chronic lung conditions
- Structural weakening of drywall, studs, and flooring
- Ongoing moisture problems that lead to more damage
- Significant decline in home value
Because mold can spread rapidly and silently, identifying it early and filing a timely insurance claim is critical. Delaying action can provide insurers the opportunity to blame “long-term damage” and deny coverage.
Do I Need a Lawyer to File a Mold Damage Claim?
While you are not required to hire an attorney, mold damage claims are among the most commonly denied or underpaid insurance claims in Florida. Insurers often argue:
- The mold was preventable
- The homeowner caused the issue
- There is insufficient evidence
- The mold is excluded under the policy
- The damage was preexisting
Gelber Law Group helps homeowners navigate these obstacles by:
- Reviewing the cause of the mold and your policy language
- Coordinating professional inspections and documentation
- Challenging improper denials or low settlement offers
- Litigating when necessary to secure the compensation you deserve
Our team is prepared, responsive, and highly strategic, helping ensure your claim is presented correctly from day one and defended fiercely if the insurer pushes back.
Discover if You Have a Valid Mold Damage Insurance Claim
If you suspect mold growth or your insurer denied your claim, you do not have to navigate the process alone. Gelber Law Group provides clear communication, thorough investigations, and aggressive representation to protect your rights.
Call Gelber Law Group at (954) 320-0100.
Mold Damage Claims in Florida FAQs
Does homeowners’ insurance cover all types of mold?
No. Insurance typically only covers mold caused by a “covered peril,” such as sudden water damage. Mold from humidity, long-term leaks, or poor maintenance is usually excluded.
How quickly do I need to report mold to my insurance company?
Immediately. Delays can lead the insurer to claim the mold grew over time, making it easier for them to deny your claim.
What if the mold is hidden behind walls or flooring?
Hidden mold is common and still may be covered. Professional inspections can identify concealed growth, and our team helps ensure the insurer acknowledges the full scope of damage.
Can an insurance company deny a mold claim due to “lack of maintenance”?
They often try. Gelber Law Group challenges improper denials and uses evidence to prove when mold was caused by a sudden, covered water event.
How long does a mold remediation claim take?
Timelines vary. Insurers may delay mold claims, but with legal representation, the process often moves faster and results in higher compensation.