Toxic Mold & Property Damage Attorneys in Louisiana
Protecting Your Home and Health from the Silent Killer
When most people think of mold, they think of a nuisance—like old bread in the pantry. But in Louisiana’s humid climate, mold is a serious threat that can destroy the structural integrity of your home and cause severe, long-term health issues for your family.
If you are dealing with a mold infestation, you are likely fighting a war on two fronts: trying to remediate your home and fighting an insurance company that doesn’t want to pay for it.
At the Berniard Law Firm, we help homeowners fight back against bad faith insurance denials and seek compensation for toxic mold exposure.
The Insurance Battle: "Sudden" vs. "Long-Term"
Insurance companies are in the business of denying claims. When it comes to mold, they often use specific language in your policy to avoid paying.
- What is Typically Covered: Damages resulting from “sudden and accidental” issues, such as a burst pipe or a storm that tears off a roof (allowing water intrusion).
- What is Typically Denied: Damages attributed to “poor maintenance” or “long-term” neglect. This can include slow leaks, improper drainage, landscaping that forces water toward the home, or general humidity.
Insurers will often try to classify a covered event as a “maintenance issue” to save money. We know how to prove that the damage was sudden, unavoidable, and falls within the coverage limits of your policy.
The "Silent" Policy Changes
One of the biggest traps for Louisiana homeowners is the “shrinking coverage” tactic.
Because mold claims have increased dramatically in recent years, many insurance companies have quietly adjusted their policies to reduce liability. They may lower the cap on mold damages or exclude it entirely—often without clearly notifying the homeowner.
Do not assume you are covered just because you have insurance. We review your policy history to determine if coverage was reduced unlawfully or if the insurer is misinterpreting their own contract.
The Health Risks of Toxic Mold
Mold is not just harmful to your wallet; it is dangerous to your body. Different people have different sensitivities, but the Centers for Disease Control (CDC) warns that mold exposure can cause:
- Nasal stuffiness and wheezing
- Eye and skin irritation
- Fever and shortness of breath
- Development of asthma (especially in children)
- Severe respiratory illnesses in the elderly or immunocompromised
If your family has suffered health consequences due to a landlord’s negligence or an insurer’s delay in approving remediation, you may have a valid personal injury claim.
Key Steps to Take Immediately
If you discover mold in your home or business, you must act quickly to preserve your claim:
- Find the Source: Identify if it is a burst pipe, a roof leak, or humidity. Knowing the source helps determine coverage.
- Review Your Policy: Look for exclusions and coverage limits.
- Document Everything: Take photos of the mold and the water source immediately.
- Do Not Wait: Report the claim as soon as it is discovered. Delays can be used by the insurer to argue that the damage happened “over time” due to your negligence.
Fight for the Full Value of Your Claim
Mold is a dangerous substance that can be potentially deadly. Do not let an insurance company deny your claim without a proper investigation, and do not let them lowball you on remediation costs.
Contact the Berniard Law Firm today. We offer free consultations to help you understand your rights. Let us help you fight for a safe home and the compensation you deserve.