After a hurricane, many homes go days without power, and indoor humidity climbs fast. The EPA notes that mold can begin growing on wet materials within 24 to 48 hours, so drying is a race, especially in Florida.
Protect yourself first
- Wear an N95 respirator, gloves and eye protection when handling moldy or flood-soaked materials.
- People with asthma, allergies or weakened immune systems, and children, should stay out of moldy areas.
- Never run a generator indoors or in a garage; carbon monoxide kills people after every major Florida storm.
Dry it out
- Remove standing water and wet contents.
- Cut out flood-soaked drywall and insulation, often at least a foot above the waterline, and pull wet carpet and pad.
- Open the house when outdoor air is drier than indoor air; run AC and dehumidifiers once power returns.
- Check hidden spaces: inside walls, under cabinets, attics after roof damage, and crawl spaces.
Small areas vs. large areas
The EPA suggests homeowners can often handle mold covering less than about 10 square feet with proper precautions. Larger areas, mold inside the HVAC system, or mold after contaminated floodwater are better handled by professionals. In Florida, mold assessors and mold remediators must be licensed by the Department of Business and Professional Regulation, and the same company generally may not both assess and remediate the same job.
Do not just paint over it
Painting or sealing over mold, or using bleach on porous materials, does not fix the problem. Porous materials with mold growth usually need removal, and the moisture source must be fixed or the mold returns.
Insurance and mold
Many Florida policies limit mold coverage to a set amount or cover it only when it results from a covered water loss. Flood policies may exclude mold caused by delays in drying. Photograph conditions and keep records of when you started drying; they help show you acted promptly. See what homeowners insurance covers.
Official guidance: EPA mold resources and CDC mold and health.
General information, not legal or insurance advice. Check your policy and official sources.
Frequently asked questions
How do I know if there is mold inside my walls?
A musty smell, staining, bubbling paint or high moisture readings are common signs. A licensed mold assessor can inspect without opening every wall.
Can I stay in my home with mold?
Small, contained areas may not require leaving, but large growth or flood contamination can be a health risk, especially for vulnerable people. When in doubt, ask a professional or your doctor.
Should I test for mold?
Visible mold usually needs removal no matter the type. Testing is most useful to find hidden mold or confirm that remediation worked.
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