Visible organic growth consistent with mold was observed in (( )) and other areas. The underlying cause is moisture. No visible water intrusion at time of inspection. Determining whether the material observed poses a health risk is outside the scope of this inspection. Recommend eliminating conductive conditions (source of excessive moisture) to prevent further growth and test further if deemed necessary. An Indoor Environmental Professional should be consulted for evaluation and to determine correct course of action if desired. Be aware that improper removal procedures can actually be detrimental to the indoor air quality.
The IICRC S520 needs to be followed. A lot of times there is a considerable amount of mold behind the base cabinet. Air testing will be needed to be done to determine how much area needs to be cleaned.
In otherwords, refer it to a professional just as Chris says.
Your scenerio’s 1 & 3 are good, but #2, I feel you are mistaken.
Scenerio #2 … “Helping the economy by encouraging unnecessary spending on elaborate tests” … play it up.
Its only unnecessary if the clients health is not a concern.