Southeast · FL
Water damage & mold help in Florida
Florida has the highest hurricane exposure in the U.S. and some of the highest humidity. Water damage comes from storm surge, wind-driven rain, roof failures, plumbing leaks and AC condensate. In the heat, mold can start within a day or two. Recent storms like Ian (2022), Idalia (2023), and Helene and Milton (2024) caused widespread flood and wind damage.
- Climate
- Hot, humid and subtropical to tropical, with a long hurricane season and daily summer thunderstorms.
- Partner coverage
- 1,474 ZIPs in 611 communities
Main water, mold and storm risks in Florida
Hurricanes and storm surge
Coastal areas face surge and wind damage from June through November, and inland areas get flooding rain and long power outages.
Humidity and mold
Year-round humidity means wet materials grow mold quickly. Sweating AC ducts and air handlers cause mold even without leaks.
Roof and plumbing leaks
Aging roofs and older supply lines, including polybutylene in some homes built from the late 1970s to mid-1990s, are common sources of water claims.
Florida at a glance
- Housing
- Most homes are concrete block on slab, with AC air handlers in closets, garages or attics. Condos and high-rises are common along the coast, where one leak can affect many units.
- Contractor licensing
- Florida licenses mold assessors and mold remediators through the Department of Business and Professional Regulation (DBPR), and licenses contractors through the Construction Industry Licensing Board. Verify both with DBPR's license search.
- Restoration coverage
- Restoration partners currently bid on 1,060 Florida ZIP codes (LeadSmart coverage data, 2026-10-05).
- Availability
- Fast call-back during business hours
Seasonal prevention checklist for Florida
Before hurricane season (June 1)
Review your windstorm and flood coverage, inspect the roof, and photograph your home and contents.
Summer
Service the AC, clean the condensate line, and keep indoor humidity below about 60%.
Year-round
Replace old supply lines and water heaters before they fail, and check for polybutylene in older homes.
Restoration services in Florida
Water damage
Mold removal
Fire & smoke damage
Sewage & biohazard
Cities in Florida
Partner coverage also includes Cape Coral, Palm Bay, Port Saint Lucie, Port St. Lucie, Kissimmee, Bonita Springs, Pensacola, Winter Haven, and other communities. If your town isn't listed, send a request with your ZIP.
Florida questions
Do I need a licensed mold remediator in Florida?
Florida requires mold assessment and remediation for pay to be done by DBPR-licensed professionals, with exemptions for very small areas. Ask for the license number and check it on DBPR's site.
Does Florida homeowners insurance cover flood damage?
No. Flood and storm surge require a separate NFIP or private flood policy. Wind damage is covered under homeowners or windstorm coverage, usually with a hurricane deductible.
Helpful guides
Neighboring states
Water, mold or fire damage in Florida? Get the right crew on it.
One call connects you with an independent restoration company that serves your ZIP code. Fast call-back during business hours.