What is mold?

Mold is a small microscopic organism that digests organic substance and reproduces by releasing spores. Mold is a type of fungus and there are more than 100,000 species. In nature, molds contribute to the decomposition or breakdown of leaves, wood and other plant debris. Mold becomes a problem when it appears where it is not wanted and digests materials inside our homes, causing serious health problems.

What causes mold to appear in my home?

Mold enters your home as tiny spores. The spores need moisture to begin to grow, digest and destroy. Mold can grow on almost any surface, including; wood, shingles, wallpaper, paint, carpet, drywall and insulation. Mold grows best when there is a lot of moisture from leaking roofs, high humidity from leaking pipes, accidental water discharge or flooding. There is no way to totally get rid of mold and mold spores in your home. But you can control mold growth by identifying the water damage that is causing it and keeping your home dry with professional help.

Does mold affect my health?

Most mold does not harm people in good health; however, people who suffer from allergies or asthma may be more sensitive to mold. Sensitive people may experience skin rash, runny nose, eye irritation, coughing, nasal congestion, worsening asthma or difficulty breathing. People with immune suppression or underlying lung disease may be more at risk for mold infections.

When does mold become a problem?

You know you have mold when you smell a "musty" odor or see small black or white particles on damp walls in your bathroom or basement. Mold could also be hidden growing behind wall coverings or in the ceiling. Even dead, dry mold can cause health problems, so always take precautions when you suspect mold.

Mold is often found in areas where water has damaged building materials and furniture after flooding or accidental water leaks. Mold can also grow on walls where warm moist air condenses on cooler wall surfaces, such as inside cold exterior walls, behind dressers, headboards and closets where items are stored against walls. Mold often grows in rooms where there is a lot of water use and moisture, such as kitchens, bathrooms, laundry rooms and basements. If you discover mold or identify water-damaged areas in your home, it's time to control its growth with professional help.

I own my own home and it is insured. Does my policy cover mold?

If you suspect mold in your home, you may want to review your insurance policy to understand what specific coverages are included. Insurance policies do not cover mold as a cause, they cover water damage, such as accidental water discharge and roof leaks after a storm, mold is covered as a consequence.

So the answer is YES!

It is important to contact us for a free inspection to get all the detailed information about your situation and the cause of the mold in your home.

We will be happy to represent you with your insurance company to obtain the necessary resources to make repairs to protect you and your family's health.