Mold Damage Claims

Mold Damage Claims

Hurricanes, storms, busted pipes, and rising sea waters in Florida can cause damp, wet, and even flooded conditions in the homes of our residents, which can lead to severe mold damage that not only jeopardizes our property but our health.

At The Morgan Law Group, P.A., our Florida mold damage claims lawyers know that mold removal can be expensive, and that not all insurance companies cover infestations, which means our community is left to fight the expensive battle on their own. We can help. If your mold damage claim has been delayed, denied, or met with a partial payment, our law firm can help you face the insurance company for the financial recovery you deserve from your policy.

What Causes Mold Damage In Florida?

According to the Federal Emergency Management Agency, mold and mildew will begin developing within 24-48 hours of water exposure. Once it begins, mold will continue to grow until the proper steps are taken to eliminate the source of the moisture.

When water intrusion occurs in your home, condo, or business the insurance company is responsible for the losses sustained by the moisture, which includes the cleaning process, and the replacement costs associated with the damage.

Common water damage sources that can lead to mold can include:

• Broken or ruptured pipes
• Flooding from storms and hurricanes
• Roof and window leaks
• Sewage backups in flooded areas

The problem is, most residential and business insurance policies exclude coverage for mold damage, placing residents and business owners in a frustrating position. If the flooding was caused by a storm, and mold resulted from the flooding, your insurance company should be held responsible for the water damage coverage your policy contains.

At The Morgan Law Group, P.A., our mold damage insurance claims attorneys can help you hold your coverage carrier responsible for the policy you have paid for

Does Mold Damage Lead To Health Hazards?

The Environmental Protection Agency warns that the failure to remove mold infestation, and the contaminated materials associated with its growth after flooding, can lead to severe health problems, some of which may become long-term.

Common health complications associated with mold can include, but is not limited to:

• Aches and pains
• Eye irritation that causes burning, watering, and redness
• Lethargy
• Nasal and sinus congestion or dry, hacking cough
• Nervous system problems, including headaches, memory loss, and mood changes
• Nose or throat irritation
• Respiratory problems, including wheezing and asthma attacks
• Skin irritations, including rashes or hives

The Centers for Disease Control warns that if homes are flooded or contain wet carpets, floorings, or furniture for more than the 24-48 hour period outlined by the EPA, the homeowners should assume the presence of mold exists and take immediate action to remove the contamination before re-occupying the home.

Can Mold Cause Serious Property Damage In Florida?

Since mold grows rapidly, it can infest personal belongings, including furniture, beds, blankets, towels, and even clothing quickly ruining the articles and requiring complete replacement. That is even true when the mold is found and removed quickly, to ensure there is no further contamination.

At The Morgan Law Group, P.A., our Florida mold damage claims attorneys have also represented individuals, families, and business owners who have seasonal residences and companies throughout the state. When flooding occurs inside one of their properties, it can take months to identify a mold problem, and by the time they do, their property can be completely contaminated.

Whether the problem is identified immediately or after a delay, mold removal and damage replacement are extremely costly, leaving our residents in a difficult financial position.

If you have paid your insurance premiums, and your coverage includes flood or water damage coverage, it is important to understand that you can pursue the insurance company for the source of your mold problem.

What If My Insurance Policy Does Not Cover Mold?

Our experienced mold damage claims lawyers in Florida understand that most insurance policies do not cover mold damage. In fact, some directly exclude it, making the financial recovery process even more difficult for our residents.

The fact is, your mold damage was almost certainly caused by water damage from rainwater during a storm, a busted pipe, or a sewage breach that was caused by flooding. Mold cannot exist or grow without wet conditions, making the source of the mold the cause of your insurance claim.

The insurance company will certainly fight this logic and remain steadfast in their stance that mold is not covered in your policy. Before you accept their unreasonable approach to denying your mold damage claim, contact our experienced lawyers at The Morgan Law Group, P.A. in Florida today at 888-904-2524 to schedule a free consultation. We will review your claim and insurance policy to create solutions for your full financial recovery.

If you have suffered mold damage to your home or business and the insurance company is delaying, denying, or underpaying your claim, call us today for a Free Consultation 888-904-2524. We have offices throughout Florida to assist policyholders.  We have a “No Recovery, No Fee” policy meaning that unless we recover on your behalf, there is no cost to you.