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What steps can you take if your home has mold damage?

On Behalf of | Dec 28, 2023 | blog, Homeowner Claims

Mold, a type of fungus, often grows in damp and poorly ventilated areas. In Florida, frequent storms, hurricanes and high humidity create conditions for mold to thrive.

Understanding the impact of mold damage on your home is important for maintaining a healthy living environment and preserving your property’s value.

Mold damage risks in Florida

Tropical storms and hurricanes impact weather across the entire state of Florida. They often accompany storm surges that rise up to 25 feet above sea level. These surges push water onto the shore and can lead to severe flooding.

After a storm, it is necessary to dry your home to prevent mold infestation. As a homeowner, you should look for signs of mold post-storm, as the combination of humidity and excess moisture from flooding significantly increases the risk of property damage. To identify mold in your home, visually inspect your property and be aware of musty odors. Mold typically appears as spots in different colors and can develop in damp areas.

Filing a mold damage claim

If left unaddressed, mold growth can cause structural damage by breaking down the materials it grows on, leading to costly repairs. Mold exposure can also pose health risks, especially to individuals with allergies or respiratory conditions. Therefore, dealing with your mold issues promptly helps protect your property and your family’s well-being.

Most homeowners’ insurance policies in Florida cover mold damage if it results from a covered incident, like water damage from a burst pipe or flooding after a hurricane. However, your insurer might not cover mold damage due to neglect, ongoing leaks or failure to maintain proper humidity levels. It is essential to understand the specifics of your insurance policy regarding mold coverage. In the event of mold damage, document the effects thoroughly before you contact you file a claim.

Florida’s warm, wet climate makes preventing mold damage in homes challenging. Awareness of these issues can help you address mold’s harmful, costly effects.