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Date Type Title
12/22/2006 Default Setting Liability Limits
12/22/2006 Default Umbrella Liability Proposal
12/22/2006 Default Vacancy Under the Homeowners Policy
12/22/2006 Default Vacant Land: What is on that land that God did not put there?
12/22/2006 Default Uncovering Business Activities in the Home
12/22/2006 Default What is occupancy?
12/22/2006 Default Is it a Business?
12/22/2006 Default Case Study: Vehicle Damage
12/22/2006 Default Case Study: Electronic Apparatus
12/22/2006 Default Case Study: Where You Reside
12/22/2006 Default Case Study: Electronic Apparatus
12/26/2006 Default Mold: EO pointers
12/26/2006 Default The Condominium: A Unique Form of Ownership
12/26/2006 Default Mold: The Industry Response
12/26/2006 Default Mold: The Exclusions
12/26/2006 Default Mold: Why Now?
12/26/2006 Default What is Mold?
12/26/2006 Default Mold Litigation
12/26/2006 Default Identity Theft: The New Endorsement
12/26/2006 Default The Mold Problem
12/26/2006 Default Unit Owners: Setting The Building Limit
12/26/2006 Default Unit Owners: Listing The Mortgage Holder
12/26/2006 Default The Trust and Personal Insurance
12/26/2006 Default Diminution in Value: The New Endorsement
12/26/2006 Default Insuring Golf Carts
12/26/2006 Default Newly Acquired Autos
12/26/2006 Default Homeowners 2000: The Business Liability Exclusion
12/26/2006 Default Homeowners 2000: Personal Property Used In "Business"
12/26/2006 Default Homeowners 2000: The Definition Of "Business"
12/26/2006 Default Homeowners 2000: Other Structures Used In "Business"
12/26/2006 Default Homeowners 2000: Changes In "Business"
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Last Updated: Tuesday, December 26, 2006
Type: Default
Keywords: What is Mold?
What is Mold?

What Is Mold


By Phyllis Van Wyhe, CPCU, CIC, CSPPrintable Version


Molds are simple, microscopic organisms.  They can be found everywhere, exist in every building, and proliferate in the great outdoors.  Mold can serve many useful purposes but can also damage property and cause health problems.

Mold spores are very tiny and lightweight, allowing them to travel through the air.  The spores can lay dormant for years and then activate when the conditions are right.  There are only two things that are required to activate mold spores so they begin to grow:

  • Moisture
    The moisture can come from any source including a broken pipe, flooding, or simply high humidity.

  • Food source.
    Leaves, wood, paper and even dirt are food sources for mold. Modern building materials are an excellent food sources.

When certain conditions are present, mold growth will be accelerated; temperatures between 68 and 82 degrees, lack of sunlight, and lack of air movement will all speed the growth of mold.


Damage Caused By Mold

High levels of mold can cause structural damage to a building.  Mold can damage personal property and items in the vicinity of toxic mold often must be destroyed because the allergic and toxic effects can remain in dead spores.

While many varieties of mold are harmless, a few varieties emit poisonous mycotoxins which can cause a range of health problems when a person is exposed to them in high concentrations.  Mycotoxins have been linked to respiratory ailments, asthma and fever-like conditions.

Recently, individuals have alleged that in severe cases toxic mold has caused bleeding lungs, memory loss and chronic fatigue syndrome.  There are few published studies that have analyzed the extent of toxic mold's health effects and its role in the causation of these more serious health effects is a hotly contested issue.

Detecting Mold

A musty smell is a tell-tale sign; that smell means mold is growing.  Previous water damage is another clue; check areas that were inundated with the water carefully.  Visible mold growth is often found underneath materials where water has damaged surfaces, or behind walls.  Unfortunately, mold may be multiplying long before you see signs of it.

Additional Resources

The best source of additional information on mold are government Web sites. The sites sponsored by the EPA, FEMA, and CDC all contain information on mold, the causes, warning signs, and recommended cleanup procedures.
Last Updated: Tuesday, December 26, 2006
Type: Default
Keywords: What is Mold?

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