A small ceiling stain can hide a big leak.
Mold and roof leak claims for Florida homeowners. We find where the water's getting in, and the claim we file includes the roof, the attic and the room below it.
What often gets priced, and what gets missed
A first estimate often prices the stain. The claim is the leak, the path the water took, and what grew along it.
- The roof above the stainA ceiling repair without a roof repair leaks again next summer. We go on the roof and look for what opened the leak, storm damage or otherwise.
- The attic between themWet decking, soaked insulation and stained trusses can sit above the stain. It gets missed when nobody goes up.
- Mold on the side of the drywall you can't seeThe room side looks like a stain. The back of the board can be black. The thermal camera finds the wet area; opening it shows what's there.
- 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're 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 tie together
From the shingle to the stain, one connected file.
Mold and roof leak results
No mold or roof leak result published yet. Eight hurricane and water results are on the results page.
Case coming soon
Mold and roof leakMold and leak questions, straight answers
Short answers here. The statutes are on the FAQ page.
Can mold damage be claimed on insurance?
Sometimes. It depends on your policy and on what caused the mold. Many Florida policies cover mold that results from a covered water loss, like 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 gets filed.
Can a roof leak claim denied as wear and tear be reopened?
Sometimes. It depends on what the roof shows, what the denial says and whether the claim is still inside the reporting deadline. A roof can be old and still have storm damage that opened the leak. We inspect the roof itself, document any storm damage at the leak point, and tie the date of loss to the weather record. A denial may 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 up mold before the insurance adjuster sees it?
Photograph it first, then stop the water. Don't tear out or paint over anything before it's documented. Keep receipts for whatever you do to stop the leak. Then call us.
Is it too late to claim a roof leak that's been there for months?
Not always. The deadline to report depends on your policy and the date of loss. We work out the likely cause and date from the evidence, and we don't assume an old leak came from a storm. Call and we'll check your policy and dates while you're on the phone. No obligation.
Start with a free assessment
Tell us what you found. We'll look, tell you what it means, and you decide. No cost, no obligation. Sending the form doesn't hire us.