Mold Damage Claims.
Mold from a covered water event is usually covered — but insurers exclude, undervalue, and deny it more than any other class.
Mold is one of the most-denied claim categories in Florida — and one of the most reversible. The key is establishing the originating covered water event, the timeline, and the scope of remediation required. Policy limits on mold coverage vary widely (often $10K cap, sometimes more), and we navigate those caps + secondary coverage like additional dwelling protection.
What we see most.
Mold discovered after a previous water claim
Even months after a closed water claim, newly-discovered mold can often be added as a supplemental claim — if the water event was covered, the resulting mold typically is too.
Hidden mold behind walls or under flooring
Found during a renovation or after symptoms appear. The challenge is proving the water source and establishing coverage.
Denial citing 'long-term moisture' or 'maintenance'
Common denial pattern. We engage industrial hygienists to document the actual origin and timeline, often reversing the denial.
Where we add the most value.
Policy mold coverage limit
Florida policies typically have a $10,000 mold cap, sometimes higher with riders. Knowing your specific cap and any exceptions is critical.
Industrial hygienist scope and pricing
A proper IH protocol is required for legitimate remediation. We coordinate with licensed IH firms whose protocols align with insurer expectations.
Tear-out and reconstruction beyond remediation
Remediation removes the mold; reconstruction puts the house back. Both have separate coverage sections — insurers sometimes only pay the first.
Three steps from damage to settlement.
No paperwork from you. No fee unless we recover money for you.
Tell us about your damage
Free, 60-second claim review. Snap a photo, share what happened — we'll take it from there.
We document everything they missed
A licensed adjuster inspects your property in person and builds an itemized claim — with photos, code references, and contractor estimates.
We negotiate. You only pay if we win
We handle all back-and-forth with the insurer. You only pay a percentage of additional money we recover — never out of pocket.
About mold damage claims.
They were offered less. Then they called us.
“Our insurance offered $11,000 for hurricane damage. Munra came out, documented everything, and we settled at $58,400. They handled every call so I didn't have to.”
“I had been fighting with my insurance company for 4 months. Munra took it over and got it settled in 6 weeks. Spanish-speaking team made the process so much easier for my parents.”
“Citizens denied my mold claim — full stop. Munra reopened it, brought in their own engineer, and reversed the denial. We never would have known what to do without them.”
Don't accept less than you're owed.
Free claim review. No obligation. Florida-licensed adjusters standing by 24/7 during storm season.
No recovery, no fee · Bilingual team · Available 24/7 in storm season