MoldVerified Insurance Desk

The 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.