What should a homeowner do about suspected mold?
Content reviewed November 2, 2026. General information; the policy, loss date and law applicable to the claim control.
Address the moisture source and arrange appropriate cleanup. Mold can return if the water problem is not resolved. An inspection or remediation service cannot be described as a guarantee that it will never recur.
The EPA mold guide explains moisture control and when professional help may be appropriate. For health symptoms, speak with a healthcare professional. The earlier medical-treatment advice on this page has been removed.
Keep records for an insurance review
Save photographs, leak-repair records, moisture reports, estimates and invoices. Record when the damage was discovered and how it was reported. Whether a loss is covered, and whether a mold limit applies, depends on the policy and facts.
Experienced Public Adjusters can review property damage documentation and the claim estimate. Read our mold prevention and claim documentation guide and post-loss checklist.
Talk through your property claim
Call Experienced Public Adjusters at 888-881-8416 or request a claim review. Have your policy, date of loss, claim number and insurer correspondence available. We represent policyholders in property insurance claims; legal disputes and legal deadlines should be reviewed by a Florida attorney.