Always waiting to attack unprotected wood, especially in the high-humidity environment of Florida, is fungus. Hundreds of varieties exist and a brief stroll through any woodlands here will discover them on decaying vegetation.
One of the worst for the homeowner is Serpula lacrymans,a fungus commonly known as dry rot, named for its ability to live in areas where little water is present. The rhizomorphs (roots) produced by this fungus can extend for several metres across brickwork in the search for fresh wood and the ability to form such rhizomorphs makes this a very destructive fungus. As long as there is a source of water and nutrients, the rhizomorphs can transport these over considerable distances and across inhospitable terrain to support the advancing mycelium (fungus body).