Naples Hurricane Milton: mold denied as pre-existing, traced to storm.
Carrier blamed pre-existing moisture. Timeline and expert evidence traced mold to storm-caused water intrusion.
Carrier blamed pre-existing moisture. Timeline and expert evidence traced mold to storm-caused water intrusion.
The initial claim
What went wrong
Initial claim denial: mold classified as pre-existing, not storm-caused.
The intervention
What we did
Moisture mapping showing storm-era intrusion points. Timeline correlation with NOAA storm data. Pre-storm inspection photos showing absence of moisture.
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Key takeaways
Lessons for policyholders
Pre-existing denial on mold is contestable with proper timeline evidence. Policy mold sublimit still applied ($10,000 standard), but underlying water damage scope expanded.
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Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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