Never use the word mold with out proper classification from a certified mold assessor. I use InterNACHI’s agreement which states we do not test for mold. However if I see it I never use the word mold, I use
Biological substance noted in the ceiling located in the living room area of the home. We do not test for biological substance. I recommend further evaluation and testing done by a certified mold assessor.
I will let the client know when we see this that they need to get it tested. However since I do not do mold inspection I let them know with the agreement that we do not test for mold. If you do not offer mold inspections make sure you have someone you can recommend. It is always good to help our clients, but by limiting our liability.