Mold Removal Cost And Risk In Bay County, FL
A typical professional mold job in Bay County runs about $1,450 to $5,850 before rebuild, using the Panama City-Panama City Beach, FL price level. Below are the 12 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Florida rules.
1992Median year homes were built
25%Homes built before 1980
32%Homes rented, not owned
$276,900Median home value
106,209Housing units
181,368People
Half the homes in Bay County were built before 1992, and 25 percent went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out. About 32 percent of homes in Bay County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 32401 has the oldest homes here, a median year of 1965, and ZIP 32403 the newest, 2011.
Typical Prices In Bay County
| Job | Size | National Range | Bay County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,450 to $5,850 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,950 to $7,300 |
| Mold Inspection and Testing | a visual inspection | $200 to $600 | $200 to $600 |
| Mold Inspection and Testing | an inspection with samples | $300 to $1,000 | $300 to $950 |
| Mold Inspection and Testing | a clearance test | $300 to $800 | $300 to $800 |
The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,850, that cap falls short by about $850 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Bay County high for hurricane. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart
| Hazard | FEMA Risk Rating |
|---|---|
| Inland flooding | Relatively Moderate |
| Coastal flooding | Relatively Moderate |
| Hurricane | Very High |
| Cold wave | Relatively Moderate |
| Winter weather | Relatively Low |
ZIP Code Neighborhoods In Bay County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 32401 | Panama City | 1965 | 64% | $207,000 |
| 32403 | Bay County | 2011 | 5% | Not published |
| 32404 | Bay County | 1993 | 23% | $239,700 |
| 32405 | Panama City | 1986 | 38% | $255,100 |
| 32407 | Bay County | 2001 | 6% | $403,500 |
| 32408 | Upper Grand Lagoon | 1989 | 16% | $352,400 |
| 32409 | Bay County | 1998 | 14% | $221,500 |
| 32410 | Mexico Beach | 2004 | 8% | $362,900 |
| 32413 | Bay County | 1996 | 19% | $384,000 |
| 32438 | Bay County | 1997 | 12% | $127,900 |
| 32444 | Lynn Haven | 1992 | 25% | $292,700 |
| 32466 | Bay County | 1992 | 24% | $166,500 |
Cities And Towns
Florida Rules On Mold
Who May Do Mold Work
Florida licenses both mold assessors and mold remediators through the Department of Business and Professional Regulation. The license covers mold work on areas larger than 10 square feet.
State law keeps the two jobs apart. A mold assessor may not remediate a building that the assessor or the assessor’s company assessed in the last 12 months, and a remediator may not assess a building it remediated in that time. To check a license, search the DBPR license lookup by name or license number before you sign anything.
Florida Mold And Insurance Rules
- Florida describes two kinds of mold endorsement, one for damage to your home and one for liability. Florida DFS Policy Endorsements
- Mold testing and removal can cost more than your policy mold limit. The property endorsement can raise it. Florida DFS Policy Endorsements
- Licensing is required in Florida. A mold assessor or remediator must meet the state licensing law and training rules. Florida Statutes 468.8419
- A licensed mold remediator in Florida must carry at least $1 million in liability coverage that covers mold claims. Florida Statutes 468.8421
All Florida Mold And Insurance Rules lines
Florida Department of Financial Services
- Florida describes two kinds of mold endorsements. One is for property damage and one is for liability. Homeowners Insurance Policy Endorsements
- Mold testing, removal and cleaning can cost more than the mold limit on a Florida home policy. Homeowners Insurance Policy Endorsements
- A mold liability endorsement can pay claims from people who say mold in your home made them sick. Homeowners Insurance Policy Endorsements
- Florida law requires a mold assessor to carry at least 1 million dollars of liability and errors and omissions coverage. Florida Statutes 468.8421
- A Florida mold remediator must carry at least 1 million dollars of liability insurance that covers mold claims. Florida Statutes 468.8421