Asked in Insurance Bad Faith for Florida

Q: Florida Homeowners claims questions:

House suffered a pipe burst that sat for 24 hours. Home flooded 1” during that time. Back half of the first story is affected.

Are my personal property contents covered?

Does the Florida mold limit of $10,000 include contents as well as structure or are those separate limits that combine to $20,000?

How do I argue as to what is damaged and what isn’t? What are the criteria for arguing the contents are total loss versus clean?

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1 Lawyer Answer
Charles M.  Baron
Charles M. Baron
  • Hollywood, FL
  • Licensed in Florida

A: The coverage categories and limits are stated in your insurance policy. Either it's plainly covered or not. Should be clear, and an insurance agent should be able to explain, but if not, schedule a legal consultation. Also, you state that a pipe leakage flood caused damage. If water itself damages personal property, that should be covered, regardless of mold conditions or mold coverage limits. For example, if there are permanent water stains or rotting, that should be covered even if no mold develops. Regarding any ruination of personal property, the issue there is whether you purchased "new" replacement value coverage. If you didn’t, the value is the fair market value of the item prior to the damage - for example, how much you may have gotten for it at a garage sale or by selling it on Ebay.

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