Mold in Florida: what it means and what to do

A moisture problem before it is a biology problem. Slab floors, block walls, year-round cooling: how mold shows up in a Florida house, what the law requires, and what the work costs.

The numbers that decide

Ten square feet, and a 48-hour clock

Florida law sets a licensing threshold at 10 square feet. The EPA sets a drying window at 24 to 48 hours. Most decisions on this page follow from those two numbers.

Where the line falls →
10
sq ft: a licence is required past this
24–48
hours to dry after a leak
60%
indoor humidity ceiling, per EPA

Start here: is it mold?

Where it shows up in a Florida house

After a leak or water damage

Mold after a water leak

The EPA window, the water categories, and the deadline the standard never set.

Does insurance cover mold

Statutory deadlines, prompt notice, and how Florida courts have read the exclusions.

Tenant rights

What a Florida landlord owes, and what the statute actually requires.

Water damage: Miami

Claim and payout patterns from the NFIP record for Miami-Dade.

Water damage: Tampa

What the flood record shows for Hillsborough and the bay.

Water damage: Orlando

Inland claims: a different profile from the coastal counties.

Cost and who does the work

Local help

Humidity is the condition underneath all of this

Thirty years of NOAA records for five Florida cities, plus the practical guides on measuring damp air and bringing it down.

Open the humidity hub

We run no testing of our own and hold no mold assessor or mold remediator licences. These pages report what named sources say, with the source named on the page.