Toxic Mold and Property Damage Claims in Florida
Insurance Claims and Lawsuits Involving Mold Are Particularly Complex – Mold Insurance Expert Witness When a tornado or hurricane strikes a community , it’s fairly obvious to ascertain how and when damage occurred to property in the path of the storm. Fire, theft, and floods are also causes of damage that can be easily observed, traced to a source, and are covered consistent with the related policy coverage language. Mold, however, is a different issue. It is often difficult to ascertain the cause of mold and how or when it originated. Many homeowners policies cover mold damage if it was caused by a “covered peril.” Absent additional coverage language, a homeowner’s policy may not cover damage caused by mold. If the mold was caused, for example, by a preventable water leak or high humidity – an issue will be raised in adjusting the claim as to coverage. Sometimes in new construction mold can actually enter a home in the form of defective or tainted building materials ...