Property Damage
April 7, 2026
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Mold growth inside a home can create serious health concerns and cause extensive damage to walls, ceilings, flooring, and structural materials. In Florida’s humid climate, mold can develop quickly after water intrusion from plumbing leaks, roof damage, or storm-related flooding.
Many homeowners rely on their property insurance policy to help cover the cost of mold remediation and repairs. Unfortunately, insurance companies frequently deny mold damage claims by arguing that the mold developed over time, resulted from maintenance issues, or falls under policy exclusions.
Because mold damage can spread rapidly and require expensive remediation, disputes with insurance companies are common.
Cano Law Firm represents homeowners throughout Miami-Dade County and Broward County whose mold damage insurance claims were delayed, denied, or underpaid. Our firm works to hold insurance companies accountable when they refuse to honor the coverage provided under a homeowner’s insurance policy.
If mold developed in your home following water damage or a covered event, legal options may be available to challenge an unfair insurance decision.
Leaks behind walls, beneath sinks, or inside plumbing systems can allow moisture to accumulate and create ideal conditions for mold growth.
Heavy rain and storm damage may allow water to enter through damaged roofs, windows, or exterior walls.
Condensation from HVAC systems can cause hidden moisture buildup, particularly in attics, crawl spaces, and ceilings.
Water heaters, washing machines, dishwashers, and refrigerators may leak and create mold growth if the moisture is not quickly addressed.
Storm damage to roofing systems can allow water to enter a home and saturate building materials, leading to mold growth over time.
Insurance companies often attempt to deny mold damage claims by arguing that the mold resulted from long-term maintenance issues rather than a sudden event.
Common reasons insurers give for denying mold claims include:
• Claiming the mold developed gradually over time
• Arguing the homeowner failed to maintain the property
• Disputing the original source of the water damage
• Limiting coverage under mold policy caps
• Offering settlement amounts far below remediation costs
Because mold remediation can be expensive, insurers may attempt to minimize the scope of the damage or avoid paying for full removal and repairs.
Insurance companies often attempt to deny mold damage claims by arguing that the mold resulted from long-term maintenance issues rather than a sudden event.
Common reasons insurers give for denying mold claims include:
• Claiming the mold developed gradually over time
• Arguing the homeowner failed to maintain the property
• Disputing the original source of the water damage
• Limiting coverage under mold policy caps
• Offering settlement amounts far below remediation costs
Because mold remediation can be expensive, insurers may attempt to minimize the scope of the damage or avoid paying for full removal and repairs.
If mold developed in your home following water damage, a plumbing leak, or storm-related water intrusion and your insurance company delayed, denied, or underpaid your claim, legal options may be available. Cano Law Firm represents homeowners throughout Miami-Dade County and Broward County in property insurance disputes involving mold damage and related losses.
Coverage for mold damage depends on the cause of the mold and the terms of the policy. Mold resulting from covered water damage may be eligible for coverage.
Insurance companies sometimes deny mold claims by arguing that the mold developed gradually or resulted from maintenance issues. These denials may be challenged depending on the circumstances.
Florida law establishes deadlines for reporting property damage claims. Homeowners should report mold damage as soon as it is discovered.
Mold remediation can be costly. If the insurance company’s estimate does not cover the true cost of removal and repairs, legal options may be available.
