Florida is unique in many ways, and sadly, it has some uniquely occurring problems for homeowners.
When it is hot, and damp, you get the prime conditions for mold growth in a home, especially black mold.
If you have had a roof leak, or any kind of leak, you are more than likely going to get a mold outbreak. Worse yet, the damage can be permanent, and it can be harmful to your health. If you have a mold infestation, it might go unseen for months, and by that time the damage has become really severe right under your nose, and inside the walls. Worst of all, most insurers have added mold exclusions to their homeowner’s policies because it is becoming such a widespread problem in Florida. Despite the problems mold causes, and the fact that it is a naturally occurring problem; Insurers have chosen to try to exclude it because it is just becoming too expensive for them to cover.
When the mold breaks out, you need to have representation. Otherwise, you might find yourself with a potentially expensive and potentially deadly problem.
Homeowner’s insurance is really geared to protect owners against random, sudden and unanticipated emergencies, like fire, theft, or other damage. It is geared towards accidents, and more acts of God than something that grows slowly. The less savory Insurance Companies out there argue that the homeowner has time to discover and abate the mold. It is not a valid argument, but it is one the insurance companies will often use to deny a claim. However, it is a bit like blaming the victim. At Gonzalez & Herrera, P.A. we understand that getting an insurer to pay for mold damage can often be a battle by the little guy against the big insurer. Florida Laws and Mold Damage clauses are constantly evolving and you have to keep up with the latest ways to protect yourself when an insurance company tries to deny your claim.
When your house is infested with mold, and you and your children are suffering adverse health effects, the last thing you want to hear is that your claim is denied.
Gonzalez & Herrera, P.A. has a full legal staff that is trained in the ever-evolving statutes of insurance law, particularly in mold and mold problems. Believe it or not, mold can be a consequence of a covered event, like a Hurricane, and it is therefore covered. Even a windstorm can cause a leak. Our Lawyers know the ins and outs of the law, and we can get you results.