Get an Excellent Understanding of the Mold Removal, Remediation & Claims Process

Yes, all JRG inspectors are Florida-licensed Mold Assessors (MRSR or MRSA). We carry errors & omissions insurance and follow IICRC S520 standards for professional mold assessment.

You'll receive a detailed report with photos, findings, lab results (if tested), moisture readings, and remediation recommendations. We can oversee the project as your advocate, bidding out to licensed remediators, ensuring protocol compliance, and performing clearance testing. This neutral oversight often saves 20-30% on costs.

Maintain indoor humidity below 50-60% with AC and dehumidifiers. Ensure proper ventilation in bathrooms, kitchens, and attics. Fix leaks within 24-48 hours. Use mold-resistant paints/products in high-risk areas. Schedule annual HVAC inspections and elevate items in crawl spaces. JRG offers prevention consultations post-inspection.

It depends on the cause. Sudden, accidental water damage (e.g., burst pipe) is often covered up to policy limits, but gradual leaks, floods, or poor maintenance are typically excluded. Florida law requires insurers to offer limited mold coverage endorsements. JRG assists with claims documentation to maximize approval chances.

Stop the moisture source immediately (fix leaks, reduce humidity below 60% with dehumidifiers). Avoid disturbing visible mold to prevent spore spread. Contact JRG for a prompt inspection. Do not attempt bleach cleanup yourself, as it does not address roots or hidden growth.

No, not always. If visible mold is extensive and the source is clear, remediation can proceed without testing. However, testing is crucial for health concerns, identifying hidden mold, species identification (e.g., toxic species), baseline air quality, or insurance/post-remediation clearance. We recommend it in about 60% of Florida cases due to high humidity.

A standard residential inspection (up to 2,500 sq ft) usually takes 1-2 hours, depending on property size, accessibility, and complexity. Commercial inspections or those requiring extensive sampling may take 3-4 hours or more. We'll provide a detailed report within 24-48 hours after lab results (if testing is included).

Yes, even with visible mold, a professional inspection is recommended. It uncovers hidden growth behind walls, under floors, or in HVAC systems, identifies the root cause (like leaks or humidity), and provides documentation for insurance claims or remediation planning. DIY visuals often miss 70-80% of the total infestation based on our Florida field experience.

Mold inspection is a visual and non-invasive assessment of your property to identify visible mold, moisture sources, and conditions that promote mold growth. Mold testing involves collecting air, surface, or bulk samples to laboratory-analyze for mold types and spore counts. JRG performs both to give you a complete picture: inspection spots the problem areas, while testing confirms the extent and species of mold.

There are different pricing models, but a fairly accurate rule of thumb is that mold removal / mold remediation from a professional and licensed contractor can run roughly $100 per square foot of visible mold growth.

Claims adjustment is always included with our mold inspection package. Stand-alone claims adjustment costs depend on each specific situation. Contact us with your details and we can give you an accurate cost.

Yes. Florida allows supplements up to 3 years from the date of loss if new evidence exists (for example, lab mold tests).

Absolutely. Our supplement packages have reopened numerous denied files with proper documentation.

No. Policyholders have the legal right to representation. We provide a signed Letter of Representation that carriers must honor.

These are estimated minimums: initial supplement, 72 hours; full resolution, 2 to 8 weeks depending on carrier response; appraisal (if needed), 30 to 45 days. Every timeline is case by case.

Licensed public adjusters in Florida work on a contingency basis, meaning we only get paid if you get paid. Our fee is a percentage of the settlement, so there is no upfront cost to you. The percentage is regulated by Florida law and varies based on claim type and timing.

Yes. You can bring in a public adjuster at almost any stage of the claims process, even after an initial settlement has been offered or after a denial. We frequently help clients reopen and supplement claims that were closed below value.

Florida law requires insurance carriers to acknowledge a claim within 14 days and make a coverage decision within 90 days. In practice, disputed claims often take longer. Having a licensed public adjuster managing the process keeps carriers accountable to these deadlines.

This is a common concern. Florida law prohibits insurers from canceling or non-renewing a policy solely because a single claim was filed. However, a history of multiple claims can affect your premiums or renewal. We can discuss your specific situation during your free consultation.

A mold inspection is a visual assessment of the property to identify visible mold growth, moisture sources, and conditions that promote mold growth. Mold testing involves collecting air or surface samples and sending them to an accredited laboratory to identify the types and concentrations of mold spores present. For insurance claims, both are typically required to properly document the damage.