Florida Mold Damage Insurance Claims

Mold can grow very quickly inside your Florida home once you have sustained water damage. That is why is very important to properly dry your home to prevent mold growth.  A certified mold hygienist and a qualified mold remediation company will be necessary to make sure the home is free of mold and safe for your family to live in.

Molds are fungi that can be found both indoors and outdoors. Mold grows best in warm, damp, and humid conditions, and spread and reproduce by making spores.  The most common types of indoor molds are:

  • Cladosporium
  • Penicillium
  • Alternaria
  • Aspergillus

Exposure to molds can lead to symptoms such as stuffy nose, wheezing, and red or itchy eyes, or skin. Others may have more intense reactions.

Most Florida homeowner policies have a limited amount of coverage for mold damage.  That is why it is very important to determine what damage was caused by water, and what damage was caused by mold.  This should be handled by someone with expertise, not only with mold and water damage claims but with an understanding of the policy language and the claims process.  You should always consider hiring a Public Adjuster to help you with this type of claim.

Please contact Labrador Claims at 407-733-9997 for free evaluation of your damages.

We Get You a Proper Settlement

  1. Get a Free Inspection
    For new, denied or underpaid claims, Labrador Claims will come out and assess the damage to your property and on your roof.
  2. File Your Claim
    Labrador Claims will file or reopen your claim and handle any and all phone calls, correspondence and inspections on your behalf.
  3. Get an Estimate
    We take inventory of the loss and prepare an accurate estimate for the restoration, reparation and replacement of your damaged property.
  4. Claim Offer
    We ensure that you are properly compensated for your damages.
  5. Receive Your Funds
    Receive your check from your Insurance Company, so that you can repair your home.

Roofers and Contractors typically like to canvas neighborhoods after a storm or fire has occurred. They might require you to sign a contract, (also known as an Assignment of Benefits, or AOB) in order to inspect your roof and submit a claim. Once you have signed the AOB, you might be giving away rights to your claim to that specific roofing company or contractor. We do not recommend you sign an AOB to handle your claim. Only a licensed Public Adjuster or attorney can legally represent you. Once you receive the funds from your claim you are free to choose the contractor of your choice to complete the repairs. However, if you sign an AOB, you lose the freedom to choose and will be required to use that specific company to do the work on your property.

Contact Labrador Claims at 407-733-9997 for a FREE inspection.

Information Needed When Filing A Claim

Try to have as much of the following information as possible available when calling us to file a claim.

To start the claims process, we will need the following information:

Policyholder information: Name of insured, address, phone number, e-mail and policy number
Description of loss: Time and date of loss, location of incident, detailed description of damages
Authority notification: Note all authorities notified (fire dept., police, etc.)
Damage Mitigation: Advise if you have already contacted any emergency service companies or performed any sort of damage mitigation.

If you are not sure if you need a public adjuster, give us a call at (407) 733-9997 or fill out one of our contact forms.
LICENSECompany Info
Labrador Claims Consultants, Inc.
Public Insurance Adjusters

Albert & Rita Labrador
Lic. # A147436 & Lic. # E165449

HOURSWorking Hours

Monday – Friday: 9AM – 5PM
Saturday: 10AM – 5PM
Sunday: Closed

Business Listings

GET IN TOUCHVisit Our Social Media
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LICENSECompany Info
Public Insurance Adjusters
Orlando, Florida

Albert & Rita Labrador
Lic. # A147436 & Lic. # E165449

HOURSWorking Hours

Monday – Friday: 9AM – 5PM
Saturday: 10AM – 5PM
Sunday: Closed

Business Listings

GET IN TOUCHVisit Our Social Media
Follow us on our social media accounts.

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