• March 17, 2020

Licensed Florida Mold Assessor

A licensed Florida mold assessor is a professional licensed by the Florida Department of Business and Professional Regulation (DBPR) to inspect properties for mold, collect samples, identify the moisture source, and write the remediation protocol. Mold Inspection & Testing | MI&T provides licensed mold assessments across Florida for homeowners, property managers, buyers, and anyone with a mold related insurance claim. We only inspect and test. We never perform mold remediation, so our findings are never influenced by the cost of a cleanup job.

Every MI&T assessment in Florida is performed by a licensed Florida mold assessor, or by an inspector working under the direct supervision of one while completing the state requirements for licensure.

What Does a Florida Mold Assessor Do?

A mold assessor figures out whether you have a mold problem, how big it is, and what caused it. A typical assessment includes:

• A visual inspection of the affected areas and the rest of the property
• Moisture mapping with moisture meters and thermal imaging to locate wet materials
• Air sampling, surface sampling, or both, analyzed by an independent laboratory
• A written report with findings, lab results, and photos
• A remediation protocol that tells the remediation company what to remove, how to contain the work area, and what conditions must be met for the job to pass

Does Florida Require Mold Assessors to Be Licensed?

Yes. Florida has licensed mold assessors and mold remediators under Chapter 468, Part XVI of the Florida Statutes since 2010. Anyone performing mold assessment for compensation in Florida must hold a mold assessor license (or work under a licensed assessor) and carry the required insurance.

Florida law also separates the two roles. A mold assessor cannot perform remediation on a property that it assessed within the previous 12 months. This rule exists to prevent a conflict of interest: the company that tells you how big the problem is should not be the company that profits from fixing it.

Why You Should Use an Independent Mold Assessor

When a remediation company inspects your property for free, the inspection is really a sales appointment. An independent assessor has no stake in the size of the job. That means:

• You only pay to remove what actually needs to be removed
• The remediation protocol is written for your property, not for a contractor's price sheet
• The post remediation test is an honest check of the contractor's work, not the contractor grading itself
• Your insurance carrier and adjuster receive documentation from a neutral third party

Licensed Mold Assessors and Florida Insurance Claims

Many Florida property insurance policies include some form of mold coverage, most often when the mold results from a covered water loss such as a burst pipe, appliance leak, or roof damage from a storm. That coverage is frequently subject to a sublimit, commonly around $10,000 on homeowners policies, so documenting the loss correctly matters.

Insurance carriers typically want to see two assessments before they will pay a mold claim: one before remediation starts and one after it is finished. Skipping either can delay the claim, reduce the payment, or leave you paying for remediation out of pocket.

Pre Remediation Assessment

The pre remediation assessment establishes the facts of the claim. It documents where the mold is, how far it has spread, what moisture source caused it, and exactly what needs to be removed. The protocol written from this assessment becomes the scope of work that the remediation company follows and that the adjuster uses to evaluate the estimate. Without it, the carrier has no independent basis for the scope and may question the remediation invoice.

Post Remediation Assessment (Clearance Testing)

The post remediation assessment, often called clearance testing or post remediation verification, confirms the work was done correctly and the area has returned to normal conditions. The assessor inspects the work area, confirms the moisture source was corrected and materials are dry, and collects samples for lab analysis. A passing clearance report closes out the mold portion of the claim and gives you proof the problem was resolved, which also matters when you sell or refinance the property.

What Carriers Usually Look For

• A report from a Florida-licensed mold assessor with the license number included
• Lab results from an independent, accredited laboratory
• A written remediation protocol completed before remediation began
• Photos documenting the conditions before and after the work
• A clearance report showing the remediation passed
• Evidence the assessor and remediator are separate, unrelated companies

If you are working with a public adjuster or attorney on your claim, MI&T reports are written to be shared with them and with the carrier's adjuster.

How to Verify a Florida Mold Assessor License

You can look up any mold assessor or remediator license on the DBPR license verification site at myfloridalicense.com. Search by name or license number and confirm the license is current. Florida mold assessor licenses begin with MRSA and mold remediator licenses begin with MRSR. If a company offers to both test and remediate the same property, treat that as a red flag.

MI&T Florida Locations

MI&T has served Florida for over 10 years. Choose the location nearest you to call a local office or learn more about service in your area. You can also see the full list on our Florida locations page.

Not sure if we cover your area? Call 855-600-6653 to reach live customer service.

Looking for a Licensed Mold Remediator in Florida?

MI&T does not perform mold remediation. If your assessment shows you need a cleanup, browse our directory of mold remediation companies in Florida and confirm the company holds a Florida mold remediator license before hiring. Once the work is complete, we can return for post remediation clearance testing.

Frequently asked questions

• Do I need a licensed mold assessor for an insurance claim in Florida?

  In most cases, yes. Carriers typically expect a pre remediation assessment and a post remediation clearance report from a licensed Florida mold assessor before paying the mold portion of a claim.

• Can the same company test and remove mold in Florida?

  No. Florida law prohibits a mold assessor from performing remediation on a property it assessed within the previous 12 months.

• What is the difference between a mold assessor and a mold remediator?

  A mold assessor inspects, tests, and writes the remediation protocol. A mold remediator removes the mold and contaminated materials according to that protocol. Florida licenses each role separately.

• Does homeowners insurance cover mold in Florida?

  Many Florida policies cover mold that results from a covered water loss, usually up to a sublimit. Coverage varies by policy, so review your declarations page and mold endorsement or ask your agent.

• What is post remediation clearance testing?

  It is an inspection and sampling performed after remediation to confirm the mold was removed, the moisture source was corrected, and the area has returned to normal conditions.

• How do I check if a mold assessor is licensed in Florida?

  Search the assessor's name or license number on the DBPR license lookup at myfloridalicense.com. Florida mold assessor licenses start with MRSA.

Schedule a Licensed Mold Assessment in Florida

Call your local office above or 855-600-6653, or schedule your mold inspection online. You can review our pricing before booking.