Mold Insurance Claims in Florida
Mold claims are capped. The water event that caused the mold usually is not — and which of the two a claim gets filed as decides most of what it is worth.
Florida property insurance claims: the deadlines and the fee cap
- Notice of a claim
- Under Fla. Stat. §627.70132, a property insurance claim or reopened claim is barred unless notice was given to the insurer within 1 year after the date of loss. A supplemental claim is barred unless notice was given within 18 months after the date of loss. — Fla. Stat. §627.70132(2)
- Time to bring a court action
- An action for breach of a property insurance contract must be brought within 5 years, running from the date of loss. This is a separate clock from the notice deadline, and §627.70132(5) states that the notice statute does not affect it. — Fla. Stat. §95.11(2)(e)
- What a public adjuster may charge
- A public adjuster’s compensation is capped at 20 percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer. For claims based on events that are the subject of a declaration of a state of emergency by the Governor the cap is 10 percent, and that limit applies to claims made during the year after the declaration of emergency. — Fla. Stat. §626.854(11)(b)
- Which deadline applies to you
- Which of these applies to your claim depends on your policy and your date of loss.
Public Loss Adjusters, LLC — Robert Mack, Florida public adjuster, Lic. #A161638. The review is free and carries no obligation. Call 352-353-4556.
Robert Mack — Public Loss Adjusters, LLC
Florida Public Adjuster License #A161638 · SPPA · AIC · AIC-M · CCC
How much time is left on your claim?
Florida law puts clocks on property insurance claims. Enter when the damage happened and where your claim stands.
For a hurricane, tornado, windstorm or other weather event, Florida sets the date of loss by statute — the date the hurricane made landfall, or the date the event is verified by NOAA (Fla. Stat. §627.70132(3)).
Answer the questions above to see your deadline.
Free review. No recovery, no fee.
Florida law sets a separate five-year period for lawsuits on a property insurance policy (Fla. Stat. §95.11(2)(e)). A Florida attorney can confirm how it applies to you.
Condominium and HOA loss assessment claims run on a different clock — the later of 1 year from the loss or 90 days after the association votes the assessment, and never more than 3 years (Fla. Stat. §627.70132(4)). This calculator does not cover those. Call and we will work it out with you.
Robert Mack, Licensed Public Adjuster, Lic. #A161638. Deadlines depend on your policy and date of loss. This is general information, not legal advice. Notice deadlines: Fla. Stat. §627.70132 — 1 year from the date of loss for a new or reopened claim, 18 months for a supplemental claim.
What happens next
- You call. One conversation, and you will know whether there is anything here worth looking at further.
- A free policy and loss review. We read the policy you actually hold and look at what was actually lost. No cost, no obligation.
- We deal with the insurer. If there is a claim, we take it from there. No recovery, no fee.
What clients say
★★★★★ 4.8 out of 5 across 11 Google reviews
“I came here especially to thank Robert and write a review for him (he didn’t ask me to)”
“It will seem like they are helping you out with a claim, but PLA pointed out how they were cutting corners and not paying what is really due.”
“This company was on top of my issue from the moment I called to the very end.”
“As it turned out, I didn’t use Robert. But he put in the time and effort to visit me and provide me with solid information and guidance should the insurance company not be responsive.”
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The framing decides the ceiling
Most Florida policies treat mold as its own category with its own separate limit, and that limit is usually far smaller than the rest of the policy. The water that caused it generally sits outside that cap.
So a loss presented as a mold problem runs into the cap almost immediately. The same loss presented as a water event with a mold consequence does not. Nothing about the house changes between those two descriptions.
What tends to be left out entirely
Getting at mold means opening things up. The tear-out, the access, the reinstatement of what was removed to reach it, and the contents that could not be kept are all part of the loss — and they are routinely never claimed at all, because nobody thought of them as part of a mold problem.
The practical version: how this is described at the start is worth more than anything that happens afterwards, and it is decided before most people know there was a decision. Talk to us before the file settles into a position — that is the job you are hiring for.
Renters and condo owners
A renters policy carries its own mold treatment and its own limit, and tenants are the group least likely to be told the coverage exists at all. In a condo, there is the further question of where the association's master policy stops and the unit owner's begins — which on a water-then-mold loss is rarely obvious.
We work for you, not the insurance company
A public adjuster works for the policyholder. We re-document the loss, read your policy against the carrier's position, and handle the negotiation. We do not test for mold and we do not remediate it — that is the assessor's work and the remediator's. Ours is the policy.
The clock, on both sides
Florida sets deadlines on the insurer as well as on you. Under Fla. Stat. 627.70131 it must acknowledge your communication within 7 days, begin investigating within 7 business days of receiving proof of loss, carry out any physical inspection within 30 days, and pay or deny within 60 days. Your own deadline is separate: under Fla. Stat. 627.70132, notice of a new or reopened claim is generally due within one year of the date of loss, and a supplemental claim within 18 months.
- Florida-licensed public adjuster, License #A161638
- Robert Mack — SPPA, AIC, AIC-M
- In the insurance industry since 1991. Public Loss Adjusters, LLC established 2019.
- PO Box 560404, Montverde, FL 34756 — on site across Lake, Orange, Osceola, Polk, Seminole, Sumter and Volusia counties
- The review is free and carries no obligation
What we will never do: promise you an outcome, tell you what your claim is worth before anyone has looked at it, or ask you to overstate a loss. Any adjuster who does is a risk to you, not an asset.
Mold claim questions
Why was my mold claim capped so low?
Because most policies give mold its own separate limit, well below the rest of the cover. The water event behind it often sits outside that cap, which is why how the loss is presented matters so much. Call 352-353-4556 for a free review.
My mold claim was denied. Is that final?
No. A denial is the insurer's position, not a ruling, and on mold it usually rests on what the moisture is attributed to rather than on the mold itself. That can be re-documented. Call 352-353-4556 and we will tell you straight.
The payment will not cover the tear-out and putting it back. Can that be reopened?
Often, yes. Access, tear-out and reinstatement are part of the loss and are frequently left off a scope entirely. Florida allows supplemental claims, with deadlines. Call 352-353-4556.
Do you inspect or remove the mold?
No. Assessment is a licensed assessor's job and removal is a remediator's; we do neither and we do not pretend to. What we do is the policy and the claim. Call 352-353-4556.
What does this cost me?
The review is free. If we take the claim, the fee is a percentage of the claim payment, capped by Fla. Stat. 626.854 at 20% ordinarily and 10% for a claim arising from a declared state of emergency within the first year. No recovery, no fee. Call 352-353-4556.
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More: water damage insurance claim help · what to do when a claim is denied or underpaid · loss of use if you are put out of the house · public adjusters in Central Florida
Public Loss Adjusters, LLC — Florida-licensed public adjuster, License #A161638. PO Box 560404, Montverde, FL 34756. On-site representation in Lake, Orange, Osceola, Polk, Seminole, Sumter and Volusia counties; remote claim work statewide. No recovery, no fee; fees are capped under Florida law. This page is educational and is not legal advice, not a guarantee of coverage, and not a promise of payment. Every claim turns on its own policy language and facts.