Miami Property Insurance Law Blog

Will my homeowners insurance cover mold?

As a Florida resident, mold is a concern you have for your home. Between the state’s high humidity and likelihood for storms, your house can easily become a breeding ground for mold. And if you get mold, it can cost a lot to get rid of, sometimes up to $30,000. But can you pass that cost on to your insurance company?

When you pay for homeowners insurance, you expect that monthly premium to go towards damages in your home. But insurance companies do not like to pay for the high cost of mold. Depending on your policy, you may only have coverage in certain circumstances. Some companies will not cover mold at all. Your specific policy will determine whether your insurance covers mold.

What to do after your home suffers storm damage

In the aftermath of severe weather, you may become overwhelmed in determining what to do. Your home may have suffered severe property damage and the process to repair it can be long and costly.

After diligently paying your insurance premiums, your insurance provider should fairly reimburse you after a hurricane or other storm. However, you may encounter an insurer unfairly denying or delaying your claim. To do what you can to ensure a smooth process after your South Florida home endures storm damage, follow these steps:

What you can do if your claim has been denied

If one of Florida's harsh storms results in significant damage to your home, it can feel like your life is out of control. However, you pay your home insurance premiums faithfully. You expect that the insurance company should help you through this stressful time and cover the damages.

Then they deny your claim. If this happens to you, here are some steps you can take to get the rightful compensation you deserve.


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