Only by reviewing your insurance policy for details of specific mold coverage and limitations can the Law Offices of J.P. Gonzalez-Sirgo, P.A. determine if mold damage is covered under your policy. Most insurers now offer limited levels of mold-related property damage coverage within the basic policy. Many insurers offer $10,000 of limited mold coverage with the opportunity to purchase additional coverage for an additional premium. Other insurers exclude mold related property damage entirely, but offer coverage in amounts of $10,000, $15,000, $25,000, $50,000 and policy limits for an additional premium. Any changes in mold-related property damage coverage may need to be approved by the Florida Office of Insurance Regulation.