Florida mold-law screener
Florida has its own rules for mold work — who is allowed to do it, who is allowed to inspect it, and how long you have to put your insurer on notice. Answer a few questions and see exactly where those rules put you, then connect with pros who already comply.
General information, not legal advice. This runs entirely in your browser — nothing you enter is sent to us or anyone else. It points you to the actual Florida statutes so you can read them yourself, and to free legal help if you need it.
Question 1 of 4
Roughly how much mold are we dealing with?
Florida only regulates mold work on an area greater than 10 square feet — about a 3 ft × 3 ft patch. That line is written into the statute's own definition of mold work, so it decides whether a state license is legally required.
What this screener answers
- Does your job legally need a licensed pro? Florida licenses mold assessment and remediation once a job passes a small-area threshold. We point you to the rule — and to pros whose license we have checked against the state registry.
- Can one company test it and remove it? Florida generally separates the company that assesses mold from the one that remediates it on the same property within 12 months (§468.8419), to remove the incentive to over-diagnose. The one narrow exception is a Division I general, building, or residential contractor certified under §489.105(3), who may legally do both — and where they do, the state can require the contract to disclose your right to request competitive bids. We explain what that means for who you should hire.
- Are you still inside your insurance claim window? Florida tightened the deadline to report a property-insurance claim. Enter your date of loss and the screener shows a live countdown to your reporting deadline.
- Will your policy actually pay for the mold? Most Florida homeowners policies cap mold coverage. We show you where that cap lives on your policy and what the typical limit means for a real remediation bill.
New to the two-license split? Our full breakdown of a mold assessor vs. a mold remediator explains what each activity is under Florida law, which one you need first, and why the state keeps them separate.
This tool is general information about Florida law, not legal advice, and it does not create an attorney-client relationship. Statutes change and every situation is different — confirm anything important against the current Florida Statutes, verify any contractor with our license checker, and find free Florida legal help at floridalawhelp.org.