There are two primary reasons your insurance carrier may deny your claim: You declined the endorsement, or it wasn’t offered to you. Your damage was caused by a chronic/systemic leak regardless of whether you knew about it.

Mold in OSB sub-flooring is commonly found in Florida homes, even when there is no known leak or water damage.

Mold testing using non-viable air sampling is commonplace, but what are these reports telling the consumer? The answer is, not much. In fact, these reports often create confusion especially when the inspector is unable to explain what the report means. If they could explain the meaning, generally the correct explanation would be, “it means nothing.”

Most people understand building components have a life cycle or useful life expectancy, but they rarely plan or budget for replacement. If you are buying a resale home, you should also understand you may need to replace aged components and budget accordingly.

The State of Florida regulates home inspectors and by law, home inspectors must convey basic information included in the Standards of Practice for a Home Inspector. This includes a visual inspection of the primary building components such as the plumbing, electrical, exterior, roof, built-in appliances, and site conditions that may affect the structure. The Inspector […]