Insurance Claim Mold Testing
The Documentation Your Insurance Claim Requires
Scheduling: Most assessments in Palm Beach, Martin, and St. Lucie County are scheduled within one business day of your call. Call (561) 400-0929 directly for fastest scheduling.
When water damage leads to mold — from a roof leak, plumbing failure, appliance overflow, or storm intrusion — your homeowners insurance carrier will require documented, professional assessment to process the claim. The report needs to establish what is present, where it is, how extensive it is, and what caused it. That documentation needs to come from a licensed, credentialed assessor following published industry standards.
Coastal Air Assessments provides mold assessment reports that meet the documentation standards required by most homeowners insurance carriers. Our methodology follows IICRC S520, and our laboratory results come from accredited independent facilities. We have supported homeowners through the insurance claim process throughout Palm Beach, Martin, and St. Lucie County.
InstaScope® on-site detection — with the field experience to read it. We use the InstaScope® direct-to-result airborne mold detection system across all property types — condos, single-family homes, and large commercial buildings. But the instrument is only part of the equation. After years of assessments across thousands of South Florida buildings, we know what the readings mean in context. A result that indicates a serious problem in one building type may read differently in another. That pattern recognition, built from real-world field data across South Florida’s diverse building stock, is what makes the difference between an experienced assessor and someone who just owns the equipment.
What insurance claim mold testing includes:
- Comprehensive visual inspection documenting the scope and location of all mold growth and moisture damage
- Moisture mapping to establish the extent of water intrusion and affected building materials
- InstaScope® airborne readings to identify elevated spore counts and affected areas
- Thermal imaging to identify moisture behind surfaces not yet visibly affected
- Air and surface sampling sent to an accredited independent laboratory for species identification and spore counts
- Written report documenting methodology, findings, laboratory results, cause of loss determination, and remediation scope
- Report format accepted by most homeowners insurance carriers throughout Florida
Why an independent assessor matters for your claim: Insurance carriers know that remediation companies have a financial incentive to maximize the scope of work they report. An independent mold assessor — one with no remediation license and no contractor affiliations — provides the unbiased documentation that gives your claim credibility. Coastal Air Assessments holds FL Mold Assessor License MRSA2944 and no remediation license. That independence is verifiable through the Florida DBPR.
Working with your adjuster
We understand how Florida homeowners insurance claims work. Our reports are written to answer the questions adjusters ask — cause of loss, extent of damage, affected materials, and recommended remediation scope. We are available to speak with adjusters and provide any additional documentation needed to move your claim forward.
Post-remediation verification for insurance
After remediation is complete, most insurance carriers require post-remediation verification — independent clearance testing confirming the work was done correctly. We provide that as a separate service and can coordinate timing with your contractor to ensure proper clearance documentation for your claim file.
