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🌀 Deadline Alert: File Your Hurricane Milton Insurance Claim Before October 9, 2025

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This deadline applies to property damage claims under your standard homeowners or commercial insurance policy.

🏚 What About Flood Damage?
If you experienced flooding during Hurricane Milton and have a National Flood Insurance Program (NFIP) policy, the rules are slightly different.

FEMA has extended the proof of loss deadline to 120 days from the date of loss — giving you extra time to submit the documentation needed to support your flood claim. This means if your flood loss occurred on October 9, 2024, your proof of loss must be submitted by February 6,

Water damaged & moldy Kitchen or Bathroom Cabinets

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A small moldy patch on a particle board cabinet base (below-left, less than 1 sq.ft.) is unlikely to be a significant health hazard in a building, though it could bother someone with sensitive mold allergies or who is asthmatic. There may be more hidden mold below the cabinet base. At below right we not in the same cabinet that the mice don’t seem disturbed by water, leaks, and mold – though their droppings make the cabinet unsanitary for food storage.

Below we illustrate another minor mold contamination case, due to water