MoldVerified Insurance Desk
Sourced from FL DOI + carrier filings; independent licensed-agent review being addedThe Insurance Desk writes the insurance hub. Our job is to translate the part of your homeowners policy that decides whether a mold problem comes out of your pocket or your carrier's — and to do it honestly, because this is the exact place homeowners get blindsided.
We build these pages from primary sources, not marketing copy. That means the language of standard homeowners policy forms and the mold sublimit endorsements carriers file with the Florida Office of Insurance Regulation, the consumer guidance and mediation programs published by the Florida Department of Financial Services (DFS), and the relevant Florida statutes, which we cite by section. When a number matters — like the typical mold remediation sublimit on a Florida policy — we tell you where it comes from and that your own declarations page is the only place the exact figure is binding.
Here is the honest part. The Insurance Desk is a research team, not your agent or attorney, and nothing here is a coverage determination on your specific policy. We are in the process of adding review by an independent Florida-licensed property and casualty agent, and until that reviewer is named on these pages, treat this hub as well-sourced education rather than personalized advice. Your carrier's written response and your own policy documents always govern. We would rather tell you that plainly than imply an authority we have not yet earned.
Straight answers
Who writes MoldVerified's insurance pages?
The MoldVerified Insurance Desk, an in-house research team, writes and maintains the insurance hub. It is not an insurance agency, a broker, or a law firm. The desk builds each page from primary sources: standard homeowners policy language, the mold sublimit endorsements carriers file with the Florida Office of Insurance Regulation, consumer guidance and mediation programs published by the Florida Department of Financial Services, and Florida statutes cited by section.
Is anything on the insurance hub a coverage determination?
No. Nothing the Insurance Desk publishes is a coverage determination on your specific policy, and none of it is legal advice. Your own declarations page is the only place a mold sublimit is binding, and your carrier's written response governs your claim. We publish the rules and the sources behind them so you can read your policy with context — not to tell you what your carrier will decide.
Does a licensed insurance professional review these pages?
Not yet, and we say so rather than imply an authority we have not earned. Review by an independent Florida-licensed property and casualty agent is being added to this hub. Until that reviewer is named on the page, treat the insurance hub as well-sourced education. Every page carries the same disclosure, and the reviewer's name will appear in the byline the day the review is in place.
Where do the numbers on the insurance pages come from?
Every figure is traced to the document it came from — a filed policy form, a carrier endorsement on file with Florida regulators, a DFS publication, or a statute we cite by section. Where a number varies by policy, such as the mold remediation sublimit, we say so and point you to your declarations page instead of publishing a single figure as though it applied to everyone.
See how our team writes and reviews in our editorial policy.