Mold and Insurance Claims in Cape Canaveral: What Homeowners in Brevard County Should KnowWhere this applies • Homes in Cape Canaveral • Coastal exposure, storms, high humidityWhat insurance usually covers • Mold caused by sudden, covered water damage • Burst pipe • Appliance failure • Storm or hurricane water intrusion (if covered peril)What insurance usually does NOT cover • Long-term leaks • Poor maintenance • High humidity or condensation • Pre-existing moldCommon claim mistakes • Waiting too long to report • Cleaning mold before documentation • Not fixing the moisture source • Assuming all mold is coveredDocumentation that helps • Photos/videos of water damage • Dates and timeline • Repair invoices • Professional mold inspection reportMold testing • Confirms cause and extent • Separates new damage from old • Strengthens claim supportAfter storms • Inspect roofs, windows, and AC • Dry affected areas immediately • Document before repairsPrevention • Fix leaks fast • Maintain roof and seals • Control indoor humidity • Regular inspectionsFinal noteCoverage depends on cause, timing, and documentation. Act fast and document everything.