Residential AC Break Mold Claim

$25,750 Recovery for Boynton Beach A/C Collapse & Mold Claim

The Problem

Our client, an elderly widow in Boynton Beach, Florida, experienced a serious HVAC failure when her attic’s air conditioning duct system collapsed. This allowed hot attic air to mix with the cooled air, causing excess humidity that led to toxic mold growth throughout the system and home.

Her insurance company denied the claim outright, arguing that the damage was the result of “long-term conditions” and therefore not covered — leaving her with a dangerous, uninhabitable home.

Our Approach

Jimenez Legal was retained to fight the denial. Our attorneys:

• Filed a lawsuit challenging the insurer’s denial under the express terms of the insurance policy
• Alleged bad faith conduct for denying coverage without proper investigation
• Presented expert evidence showing the event was sudden, not long-term wear and tear
• Used litigation pressure to compel the insurer to reconsider its position and pay the claim

The Result

After proving coverage applied, our client collected the full value of her claim — $25,750, allowing her to remediate the toxic mold and make her home safe again.

Key Takeaway

Insurance companies often wrongfully deny mold claims by blaming “long-term conditions.” Legal action can reverse denials and fully fund remediation.