Most of us think of mould resulting from over-exposure to water combined with poor housekeeping.
But moulds are ubiquitous in nature, and already exist in your home and mine. And they are dormant, at least until spores – residing in household and workplace dust – result. The spores (reproductive structure adapted for dispersal) can cause respiratory problems or allergic reactions, if present in sufficient quantities. Some moulds produce mycotoxins which pose a more serious health risk to humans and animals.
To grow, mould spores require 3 elements: moisture + food + time.
The problem often starts with the introduction of moisture in an area that is not well-ventilated (attic, basement, behind drywall, etc.). Because many building materials (drywall, plywood, carpet) serve as food for the spores, if left unaddressed, a mould culture will result.
A recent U.S. study by ACE Insurance* indicated that minor exterior leaks (roof, windows) or routine plumbing leaks (bathroom, kitchen, heating/cooling system) can result in significant property damage over time if left unchecked. Mould is often the ugly result.
Managing the risk starts with thorough drying and ventilation of any dampness, together with preventing reoccurrence. When discovered, mould should be cleaned up – but, if in large quantities or in place for longer periods, proper remediation will require the help of certified restoration professionals.
*ACE Private Risk Services Study (April 2011)
~other info sourced from John Couch, FirstOnSite Restoration
Tags: damage, insurance, mould, mycotoxins, Property, spores, water
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Rosemarie Latam
April 18, 2011 at 3:05 pm
There is no way that the clean up of mould can be covered by homeowner’s insurance, is there?
The Risk Factor
April 20, 2011 at 1:09 pm
Great question, Rosemarie. Mould is generally excluded under a homeowner’s policy, however, the cause of the mould is the issue. If the cause is not excluded (meaning, it results from a peril covered by your policy) and mould results, it could be covered by your insurance. Limitation periods can be an issue with regards to reporting claims though, which should be discussed with your broker.
th
April 20, 2011 at 2:41 pm
Always interresting, 20 years ago or less this would not have been an issue or even a thought. Now the first thing that happens when mould is detected , everyone panics.
gc
April 20, 2011 at 3:12 pm
Keep your home dry and well ventilated to help prevent mould from growing.
HC
April 20, 2011 at 3:45 pm
Time is an important factor. If you can catch it quickly, it is fairly easy to clean. Also, make sure it stays away. Detect the problem and fix it so the mould does not come back.
LR
April 21, 2011 at 8:43 am
Very Interesting. Years ago no one really thought much about mould problems in homes. Now that it is brought to everyone’s attention when you have water damage – everyone panics. Keep your home dry and well ventilatted to help prevent mould from growing.