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Mold Damage
Mold Claim
Have you suffered unfortunate damage caused by mold? Are you among the countless seeking the answer to the overwhelming question: Will your insurance provide the coverage you need? Mold growth can wreak havoc on your property and finances, but navigating the intricacies of policies shouldn’t add to your burden.
That’s why Rise Public Adjusters is here to help! We focus on helping residential and commercial property owners handle mold damage insurance claims in Florida so that they can focus on their property restoration. Our team will strive to ensure you get the compensation you deserve for your claim. Let us take the stress and confusion away
Is Mold Considered Water Damage?
Mold is not typically considered water damage, but it often occurs due to water incidents. Mold requires moisture to grow and thrive, so excessive moisture or water intrusion in a property can lead to growth. While it is a consequence of water damage, it is generally treated as a separate issue in insurance policies, with its own coverage considerations and exclusions. Reviewing your specific policy or consulting with your provider to understand how mold and water damage are addressed in your coverage is important.
Is Mold Covered by Insurance in Florida?
Depending on your coverage, mold damage may or may not be covered. In general, homeowners insurance doesn’t cover mold itself; they cover any damage caused by it, also known as a covered peril. A covered peril refers to an event specified in an insurance policy that is protected and eligible for compensation or coverage. Some examples of covered perils on a typical home insurance policy are:
- Fire incident
- Theft or vandalism
- Water incident
- Certain natural disasters