Home insurance typically doesn’t cover mold inspection--mold remediation overall is a category that homeowner insurance rarely covers. If caused by a “specified peril” such as a burst pipe, household appliance overflow or flood, the insurance will cover expenses related to mold remediation.
Can mold be dangerous to human health?
Yes, mold can be dangerous to human health. The types of mold that can cause harm to humans are allergenic mold and the black mold strain called stachybotrys atra.
Certain black molds produce toxins, and can be hazardous to respiratory health. There are types of green mold that cause allergic reactions in some people that can be as severe as black mold sickness.
How is mold testing done?
Mold testing begins with a visual inspection, that is performed with specialized equipment, such as thermal imaging cameras. Once the top problem spots are identified, the mold specialist will get an air sample in the most problematic zone, and compare it to an air sample from fresh outdoor air. Follow-up tests--either more air samples or surface swab analyses--cost extra.
What is black mold?
Black mold has become synonymous with toxic mold, but this is misleading. Black mold really just refers to the color of the mold, and there are many types of mold that present as black and are not toxic. The group called stachybotrys atra can produce mycotoxins, which are potentially quite dangerous to human respiratory systems.
When should a mold inspector be called?
A mold inspector should be called if you suspect there may be mold somewhere in the house, but you cannot find it on your own. It should also be called if mold is found, but it is difficult to assess what type it is.