Filing a mold claim requires the expertise of in our opinion a Certified Mold Hygienist. Then it imperative that you have a qualified remediation company to make sure the home is mold free and safe for your family. It is very difficult when most policies in Florida have very small coverage limits specific to mold to recover from extensive mold damage. Determining what damage was caused by water vs. mold is a task designed for individuals with expertise not only with mold claims but with understanding the language of your policy and the claims process. This is why you should always consider hiring a Public Adjuster when filing any type of insurance claim. Call a Florida Experienced Public Adjuster for a free evaluation of your damages at (407) 212-8669

How Devastating and Damaging is mold?

Health-wise, mold has been known to be carcinogenic, and can cause flu-like symptoms such as diarrhea and infections, possible lung infections and sinusitis. Mold and mildew can cause many problems, both to your family’s health and to your home. It can destroy furniture, wood and drywall. It can offer a place where unwanted bacteria, mites, roaches and rodents can live.

According to the Center for Disease Control:

What are molds?

Molds are fungi that can be found both indoors and outdoors. No one knows how many species of fungi exist, but estimates range from tens of thousands to perhaps three hundred thousand or more. Molds grow best in warm, damp, and humid conditions, and spread and reproduce by making spores. Mold spores can survive harsh environmental conditions, such as dry conditions, that do not support normal mold growth.

What are some of the common indoor molds?

  • Cladosporium
  • Penicillium
  • Alternaria
  • Aspergillus

How do molds affect people?

Some people are sensitive to molds. For these people, exposure to molds can lead to symptoms such as stuffy nose, wheezing, and red or itchy eyes, or skin. Some people, such as those with allergies to molds or with asthma, may have more intense reactions. Severe reactions may occur among workers exposed to large amounts of molds in occupational settings, such as farmers working around moldy hay. Severe reactions may include fever and shortness of breath.

People with a weakened immune system, such as people receiving treatment for cancer, people who have had an organ or stem cell transplant, and people taking medicines that suppress the immune system, are more likely to get mold infections.

Exposure to mold or dampness may also lead to development of asthma in some individuals. Interventions that improve housing conditions can reduce morbidity from asthma and respiratory allergies.


Where are molds found?

Molds are found in virtually every environment and can be detected, both indoors and outdoors, year round. Mold growth is encouraged by warm and humid conditions. Outdoors they can be found in shady, damp areas or places where leaves or other vegetation is decomposing. Indoors they can be found where humidity levels are high, such as basements or showers.

How can people decrease mold exposure?

Sensitive individuals should avoid areas that are likely to have mold, such as compost piles, cut grass, and wooded areas. Inside homes, mold growth can be slowed by controlling humidity levels and ventilating showers and cooking areas. If there is mold growth in your home, you should clean up the mold and fix the water problem. Mold growth can be removed from hard surfaces with commercial products, soap and water, or a bleach solution of no more than 1 cup of household laundry bleach in 1 gallon of water. Follow the manufacturers’ instructions for use (see product label).

If you choose to use bleach to clean up mold:

  • Never mix bleach with ammonia or other household cleaners. Mixing bleach with ammonia or other cleaning products will produce dangerous, toxic fumes.
  • Open windows and doors to provide fresh air.
  • Wear rubber boots, rubber gloves, and goggles during cleanup of affected area.
  • If the area to be cleaned is more than 10 square feet, consult the U.S. Environmental Protection Agency (EPA) guide titled Mold Remediation in Schools and Commercial Buildings. Although focused on schools and commercial buildings, this document also applies to other building types. You can get it by going to the EPA web site at https://www.epa.gov/mold/mold-remediation-schools-and-commercial-buildings-guide.
  • Always follow the manufacturer’s instructions when using bleach or any other cleaning product.

Specific Recommendations:

  • Keep humidity levels as low as you can—no higher than 50%–all day long. An air conditioner or dehumidifier will help you keep the level low. Bear in mind that humidity levels change over the course of a day with changes in the moisture in the air and the air temperature, so you will need to check the humidity levels more than once a day.
  • Use an air conditioner or a dehumidifier during humid months.
  • Be sure the home has adequate ventilation, including exhaust fans.
  • Add mold inhibitors to paints before application.
  • Clean bathrooms with mold killing products.
  • Do not carpet bathrooms and basements.
  • Remove or replace previously soaked carpets and upholstery.

What areas have high mold exposures?

  • Antique shops
  • Greenhouses
  • Saunas
  • Farms
  • Mills
  • Construction areas
  • Flower shops
  • Summer cottages

I found mold growing in my home, how do I test the mold?

Generally, it is not necessary to identify the species of mold growing in a residence, and CDC does not recommend routine sampling for molds. Current evidence indicates that allergies are the type of diseases most often associated with molds. Since the susceptibility of individuals can vary greatly either because of the amount or type of mold, sampling and culturing are not reliable in determining your health risk. If you are susceptible to mold and mold is seen or smelled, there is a potential health risk; therefore, no matter what type of mold is present, you should arrange for its removal. Furthermore, reliable sampling for mold can be expensive, and standards for judging what is and what is not an acceptable or tolerable quantity of mold have not been established.

A qualified environmental lab took samples of the mold in my home and gave me the results. Can CDC interpret these results?

Standards for judging what is an acceptable, tolerable, or normal quantity of mold have not been established. If you do decide to pay for environmental sampling for molds, before the work starts, you should ask the consultants who will do the work to establish criteria for interpreting the test results. They should tell you in advance what they will do or what recommendations they will make based on the sampling results. The results of samples taken in your unique situation cannot be interpreted without physical inspection of the contaminated area or without considering the building’s characteristics and the factors that led to the present condition.

What type of doctor should I see concerning mold exposure?

You should first consult a family or general health care provider who will decide whether you need referral to a specialist. Such specialists might include an allergist who treats patients with mold allergies or an infectious disease physician who treats mold infections. If an infection is in the lungs, a pulmonary physician might be recommended. Patients who have been exposed to molds in their workplace may be referred to an occupational physician. CDC is not a clinical facility. CDC does not see patients, diagnose illness, provide treatment, prescribe medication, or provide referrals to health care providers.

My landlord or builder will not take any responsibility for cleaning up the mold in my home. Where can I go for help?

If you feel your property owner, landlord, or builder has not been responsive to concerns you’ve expressed regarding mold exposure, you can contact your local board of health or housing authority. Applicable codes, insurance, inspection, legal, and similar issues about mold generally fall under state and local (not federal) jurisdiction. You could also review your lease or building contract and contact local or state government authorities, your insurance company, or an attorney to learn more about local codes and regulations and your legal rights. CDC does not have enforcement power in such matters, nor can we provide you with advice. You can contact your county or state health department about mold issues in your area to learn about what mold assessment and remediation services they may offer. You can find information on your state’s Indoor Air Quality program at https://www.cdc.gov/nceh/airpollution/indoor_air.htm

Call an Experienced Public Adjuster Today!

Orlando Corporate Headquarters

1215 Mt Vernon Street
Orlando, FL 32803
Phone: (407) 212-8669

Southwest Florida Office

2375 Hidden Lake Drive #7
Naples, FL 34112
Phone: (239) 330-4633
Fax: (800)-541-3494

Orlando Public Adjuster Office

1780 Welham Street
#224
Orlando, FL 32814
Phone: 407 227-1963