You pull a built-in cabinet away from the kitchen wall of your Miami condo and find the back panel and the drywall behind it dark with mold, fed by a slow leak nobody saw. That discovery raises three questions at once: who removes it, who pays, and how long you have to tell your insurer. This page answers all three for mold remediation in Miami, with each rule linked to its source, so you can act on the facts before you sign anything.
Technician insight
A Miami condo owner finds mold behind built-in cabinets after a months-long supply-line drip. Seepage is excluded under a standard HO-3 policy, section 718.111 makes in-unit cabinets and wall coverings the unit owner's insurance responsibility, and section 627.70132 gives 1 year from the date of loss to give notice. Above 10 square feet, an independent assessor defines the scope before remediation starts.