What's typically excluded
- Medical expenses
- Lost wages from health effects
- Pain and suffering
- Permanent disability
These belong in a liability claim, not a first-party property claim.
What health effects can trigger in a property claim
ALE / Loss of Use expansion
- Relocation during remediation required by physician
- Extended ALE when occupant cannot return due to health sensitivity
- Alternative housing with specific requirements (HEPA filtration, etc.)
Scope escalation
- More aggressive remediation warranted (full replacement vs. cleaning)
- Additional clearance testing to ensure safety
- HEPA air purification equipment
Timeline extension
- Period of restoration extends if re-contamination occurs
- Additional verification before return
Documentation requirements
Medical
- Physician statement on mold-related health effects
- Recommendations for remediation standards
- Statement on habitability criteria
- Clearance requirements for return
Property-claim connection
- Correlation between mold exposure and health timeline
- Remediation standards driven by health considerations
- Alternative housing specifications
What Florida law supports
- ALE continues until habitability is restored
- Habitability can include health-safe conditions for the insured
- Physician-recommended standards have weight
- Policy language typically supports "reasonably required for habitability"
What to avoid
- Characterizing the claim as "health claim" (triggers bodily injury exclusion)
- Submitting medical bills under property claim
- Claiming pain and suffering in property claim
- Conflating property-claim with toxic-tort theory