Florida is not all sunshine and rainbows. It is a very hot and humid state due to its subtropical nature. Whenever you have warmth and humidity in one place, the risk of mold growth is always going to be there. That is what property owners throughout the state have to deal with on a daily basis.

Most property owners do not even notice mold on their property until they are directly impacted by it. For instance, you could have an air-conditioned home but still have a small amount of mold growth in your closets. There is no ventilation in your closets, which is why they are always damper than the other areas of your home.

If you don’t properly air out your closets, they will start to grow mold. Not only that, but the clothes in your closets will experience some minor mold growth as well. But you can remedy this problem by simply washing your clothes. Serious mold damage to your property will only occur when a lot of water and moisture are present.

Let’s say your property experiences a flood, hurricane, or burst pipe incident. All that excess water will overflow onto the floor of your property. With so much water present, your entire home will become a breeding ground for mold. There will be mold spores flying through the air and mold growth all over your walls and furniture.

If you breathe in the mold spores, then it’ll cause you to develop respiratory illnesses. In some cases, you could even experience death as a result of these illnesses. Aside from that, excessive amounts of mold can permanently damage your property’s structure and all the furniture within it. That is why mold growth should be taken seriously by every property owner.

How a Mold Damage Claim Gets Denied

Insurance companies are not so quick to pay a mold damage claim after it is filed. As indicated above, many property owners do not even notice mold when it starts to grow on their property. Existing mold growth that eventually causes damage to your property would not be covered under your insurance policy. The insurance company would blame you for the mold growth instead of some external force.

In order to get your mold damage claim approved, you must show your insurance company that you did everything possible to prevent the mold damage from getting as bad as it did. If bad plumbing or a leaky roof led to the mold damage, then you must do everything humanly possible to stop the leak from getting worse. That means you need to repair your plumbing and roof as necessary. 

On the other hand, if a flood or natural disaster caused the mold damage, then it was out of your control. It is much easier to get a mold damage claim approved under these circumstances because the disaster likely affected a lot of people at the same time. However, the insurance company will want to make sure your mold damage wasn’t there before the disaster struck. That is why they’ll send their claims adjuster to assess the damage carefully. If they determine the damage as not recent, then your claim may be denied.

Hire a Mold Damage Claim Lawyer

Since a mold damage claim can be difficult to prove, you should hire a mold damage claim lawyer to prove it for you. We have experienced mold damage claim lawyers at the Louis Law Group who deal with mold damage claim cases all the time. Our clients are people who’ve experienced mold damage in their property but have either had their claims denied or underpaid.

Here is the list of excuses as to why insurance companies deny or underpay mold damage claims:

• The mold is a preexisting condition
• You didn’t stop the water leak fast enough
• The mold damage is not covered under your insurance policy
• You didn’t report the mold damage fast enough
• The mold damage is not that extensive