Florida's year-round humidity, frequent storms, and AC systems that generate gallons of condensate daily create ideal conditions for mold growth. When water damage isn't properly dried, mold — including Stachybotrys chartarum (black mold) — can follow water damage that isn't dried quickly (EPA advises drying within 24-48 hours).
What Is "Black Mold"?
The term "black mold" is used colloquially to refer to Stachybotrys chartarum, a greenish-black mold that grows on high-cellulose, low-nitrogen materials like drywall, wood, and ceiling tiles — all materials common in water-damaged homes. It requires constant moisture and slower-growing than other mold species, which is why it's often found in areas with long-term water intrusion rather than acute flooding.
Important: Not all black-colored molds are Stachybotrys, and not all Stachybotrys is equally toxic. Professional testing is the only way to identify species and spore counts accurately.
Health Symptoms and Mold
Mold affects people differently, and this list is general information, not medical advice (UNVERIFIED here; talk to a doctor). Commonly reported effects include:
- Respiratory: Coughing, wheezing, shortness of breath, sinus congestion
- Skin: Rashes, hives, itching
- Eyes: Red, itchy, watery eyes
- Fatigue: Persistent, unexplained fatigue that improves when away from home
If symptoms improve when you leave your home and return when you're back, mold should be investigated immediately.
Florida Law and Mold Remediation
Florida requires a licensed Mold Remediator to remove mold growth larger than 10 square feet (s. 468.8411), and a licensed Mold Assessor to assess it. The statute requires documented training for both, and a company that assessed a home generally may not remediate it within 12 months (s. 468.8419).
Verify any mold contractor's license at MyFloridaLicense.com before hiring — never accept a verbal claim alone.
What Does Mold Remediation Actually Involve?
- Assessment: A licensed Mold Assessor samples and writes the remediation protocol
- Containment: Plastic sheeting and other measures to limit spore spread; ask your matched company how it will contain the area
- Removal: Affected porous materials (drywall, insulation, wood) removed and properly disposed of
- Treatment: Antimicrobials applied to affected surfaces; ask which product, and read the product label first, as EPA's pesticide label guidance advises
- HEPA filtration: Air scrubbers run after remediation
- Post-remediation testing: By an assessor who is not the remediator
- Clearance report: Issued if the testing passes
When to Get Help
If you see visible mold, smell musty odors, have had recent water damage, or have unexplained health symptoms at home, fix the moisture source and have the growth assessed by a licensed Mold Assessor. CFDR does not test for mold or remove it: call or text CFDR at 321-420-7274 and Ryan matches you with a mold remediation company. Who can test for mold.
Who is CFDR?
Private Orlando restoration referral service, not FEMA. Call or text 321-420-7274 24/7 and Ryan Solberg matches you with a local restoration company. You pay CFDR nothing, and CFDR does not bill your insurer.
Where does CFDR match companies?
CFDR matches homes and businesses within about 90 minutes' drive of downtown Orlando: Orange, Seminole, Osceola, Lake, Volusia, Polk, Brevard, Sumter and Marion counties. That covers Orlando, Kissimmee, St. Cloud, Sanford, Winter Park, Apopka, Clermont, Lakeland, Winter Haven, Daytona Beach, DeLand, Melbourne, Palm Bay, Titusville, Leesburg, The Villages and Ocala. Tampa and Brandon are edge areas: Ryan matches them when a network company covers the address. Outside these counties, call about large commercial, multi-unit or whole-home losses.
- Orange County
- Seminole County
- Osceola County
- Lake County
- Volusia County
- Polk County
- Brevard County
- Sumter County
- Marion County
Sources
- Fla. Stat. s. 468.8411 (accessed 2026-10-13)
- Fla. Stat. s. 468.8419 (accessed 2026-10-13)
- EPA: A Brief Guide to Mold, Moisture and Your Home (accessed 2026-10-13)
General information, not legal, insurance or medical advice. Figures and timelines in this article that do not link to a source above are typical industry ranges that CFDR has not individually verified (UNVERIFIED); confirm specifics with your insurer, your agent and the company doing the work.