Prove The Cause.
Prove The Claim.

When water damage or mold strikes, carriers want clear, defensible documentation. Mold Shark delivers licensed, independent testing with reports formatted for carriers, adjusters and attorneys, so your claim is backed by scientific data, not speculation.

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F-01

What Carriers Require

The Carrier Wants A File, Not A Story.

Insurance carriers rely on independent, third-party documentation to verify the presence, type and extent of mold damage. Without it, claims get delayed, denied or underpaid.

Florida policies commonly carry mold sub-limits, which means the outcome usually hinges on two things: documenting what caused the intrusion and when it happened. Our reports put both on paper, with photos, readings and lab data behind every line.

Photo-rich mold inspection report reviewed on a tablet — EXHIBIT · CLAIM REPORTPDF · 24-48 HRS

D-01

Photo Evidence

Annotated photos of damaged materials and affected rooms, so the loss is visible, not described.

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Moisture Mapping

Room-by-room readings that prove where water traveled and which materials it reached.

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Thermal Imaging

Infrared scans that reveal hidden leaks and wet materials behind walls, without demolition.

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Air & Surface Sampling

Accredited lab identification of species and counts: Stachybotrys, Aspergillus, Penicillium, Cladosporium and more.

D-05

Chain Of Custody

Every cassette and swab tracked and verified from collection to lab, for legal defensibility.

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Cause & Timeline

Cause-and-origin context and a timeline of the intrusion, tied to the details a policy turns on.

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Why Independence Carries Weight

No Repair Invoice Depends On What We Find.

An inspector with a remediation crew waiting outside has a reason to find a problem. Mold Shark only does the assessment, which is why adjusters, attorneys and carriers across South Florida treat our findings as third-party evidence rather than a sales document.

Florida Statute 468.8419

Under Florida law, a licensed mold assessor may not remediate a structure they assessed within the previous 12 months. Our independence is not a promise. It is a statute, and it is provable.

ASSESSMENT ONLY · NEVER THE REPAIR

Mold growth spreading across a wall after hidden water intrusion — EXHIBIT · WATER INTRUSIONCAUSE + TIMELINE

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Who Reads The Report

One Report, Three Desks.

Insurance mold claims are time-sensitive. The longer damage sits untreated, the harder it becomes to prove cause and recover full costs. We get certified documentation in place fast, before evidence is lost or disputed, and we build it so every party in the claim can use it.

Desk 01

Insurance Adjusters

We coordinate on scope and verify the presence, type and extent of the damage with independent data, which reduces disputes and keeps the claim moving.

Desk 02

Restoration Contractors

Moisture and contamination data give contractors what they need to write accurate remediation scopes, so repairs match the actual loss.

Desk 03

Attorneys & Public Adjusters

Standards-aligned, chain-of-custody evidence that stands up in disputes, appeals, supplemental claims and court.

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Straight Answers

Claim Questions, Answered Plainly.

Many policies include mold testing when it is tied to a covered water loss, and Florida policies commonly carry mold sub-limits, so the answer always depends on your policy terms. Our reports are formatted to meet carrier requirements and are accepted by most major insurance companies.