How mold limitations work
Florida policies commonly include a separate, low sublimit for mold, fungi, or microbial remediation, often with an option to buy higher limits by endorsement. The exact cap varies by policy, so read the mold or fungi provisions on your declarations page and endorsements instead of assuming a figure. The limitation applies on top of, and inside of, whatever water coverage triggered the mold in the first place.
Mold has to trace to a covered cause
Coverage usually requires the mold to result from a covered peril, such as sudden water damage from a burst pipe. Mold that grows from long-term neglect, deferred maintenance, or an uncovered leak is typically excluded. This ties directly to the ensuing loss and cause-of-loss questions: if the underlying water loss was covered, the resulting mold may be covered up to the sublimit, so establishing the covered water event is the key.
Why carriers lean on this limitation
Because mold remediation is expensive, carriers often apply the sublimit aggressively or argue the mold came from excluded, gradual moisture rather than a sudden covered loss. Documenting the covered water event that caused the mold, along with its timeline, is central to recovery and to defeating an argument that the growth was a maintenance problem.