“A small stain on the ceiling is never small.
Mold and roof leak claims for Florida homeowners. We find where the water is coming in, document what it has grown, and write the claim so the roof and the room both get fixed.
What the insurer misses
The insurer prices the stain. The claim is the leak, the path the water took, and what grew along it.
- The roof, not just the ceilingA ceiling repair without a roof repair leaks again next summer. We go on the roof and find the storm damage that opened the leak.
- The attic between themWet decking, soaked insulation and stained trusses sit above the stain. Nobody looked because nobody went up.
- Mold on the side of the drywall you cannot seeThe room side looks like a stain. The back of the board is black. The thermal camera finds the wet area; opening it shows the growth.
- The mold limit in your policyMany policies cap mold at a set amount and cover the water damage separately. What goes under which limit changes what you are paid.
- The words wear and tearAn old roof can still be storm damaged. The photos at the leak point, and the storm record for the date, are what separate the two.
- The roof above the leak, walked and photographed, damage marked in chalk
- Drone photos of the whole roof for context
- Attic decking, insulation and framing checked and photographed
- Thermal camera scan of the ceiling and walls along the water path
- Moisture readings logged at each point
- Mold growth documented on both sides of the material
- Materials to be removed and replaced, measured
- The date of loss tied to the storm record
- A line item estimate that separates roof, water and mold
What we document
From the shingle to the stain, one connected file.
Mold and roof leak results
We have not published a mold or roof leak result yet. Eight hurricane and water results are on the results page.
Case coming soon
Mold and roof leakMold and leak questions
Short answers here, the statutes on the FAQ page.
Is mold covered by my homeowner policy?
It depends on the policy and on what caused the mold. Many Florida policies cover mold that results from a covered water loss, such as a roof leak from storm damage, up to a stated limit, and exclude mold from long term neglect. The limit and the wording are in your policy. We read it and tell you what applies before anything is filed.
The insurer says the roof leak is wear and tear. Is that the end?
No. A roof can be old and still have storm damage that opened the leak. We inspect the roof itself, document the storm damage at the leak point, and tie the date of loss to the weather record. A denial can be reopened with that evidence, and the fee on a reopened claim is capped at 20 percent of what the reopened claim pays (Florida Statute 626.854(11)(a)).
Should I clean the mold before anyone sees it?
Photograph it first, then stop the water source. Do not tear out or paint over the area before it is documented. Keep receipts for anything you do to stop the leak. Then call us.
Is it too late if the stain has been there for months?
Not always. The deadline to report a claim depends on your policy and the date of loss, and a slow leak may have started with a storm that is still inside the window. Call and we check your policy and dates while you are on the phone.
Free assessment
Tell us what you found. We look at it, tell you what it means, and you decide. No cost, no obligation.