Florida Department of Financial Services On Mold
What Florida Department of Financial Services says about mold, insurance and cleanup, with each line linked to its page.
Dollar Caps On Mold
Mold testing, removal and cleaning can cost more than the mold limit on a Florida home policy.
Those costs may exceed the limit on your homeowners insurance policy.
Add On Mold Cover
Florida describes two kinds of mold endorsements. One is for property damage and one is for liability.
There are two types of mold endorsements : property and liability.
A mold liability endorsement can pay claims from people who say mold in your home made them sick.
if someone got sick from
Good To Know
Florida law requires a mold assessor to carry at least 1 million dollars of liability and errors and omissions coverage.
A mold assessor shall maintain general liability and errors and omissions for both preliminary and postremediation mold assessment insurance coverage of at least $1 million.
A Florida mold remediator must carry at least 1 million dollars of liability insurance that covers mold claims.
A mold remediator shall maintain a general liability insurance policy in an amount of not less than $1,000,000 that includes specific coverage for mold-related claims.
Who May Do Mold Work In Florida
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.