Mold exists everywhere. You and I are breathing mold spores as we type our posts. Mold spores have been found in the Arctic, Antarctic, Siberia, Death Valley, the Sahara, and every place in between. Mold in and of itself does not cause health problems. Growing/“flowering”/thriving mold can cause health problems, but mostly in the young, elderly, sick, immune-suppressed, etc. So if you fall into those categories, well, duh, you otta be on the lookout to begin with.

You can also drown from drinking too much water. Like, whatever.

Mold needs moisture to grow/“flower”/thrive. If you see mold or smell mold, solve the moisture problem and then clean it up. See my previous PDF post for how to clean it up. It’s not hard, really. I used to do it as a 10-year-old. Mold hasn’t evolved in 40 years, but our stupidity and refusal to take responsibility for failing to take care of our houses sure has.

Too many people don’t understand mold, which is why E&O providers won’t cover it except as a rider. But they don’t automatically cover WDI, radon, etc., either, so, like, duh. You have to get a rider for those, to. There’s lots of stuff that E&O providers don’t cover–read the fine print in your policy.

You can subscribe to the mold hyperbole/hysteria or you can be sensible. I choose to be sensible, which my E&O provider really appreciates. Teaching people common sense, which, as my wise ol’ grandmother said, is not common, is one of my specialties.

I never said that I agree with the mold hysteria. I personally think that the majority of mold can be taken care of with the simple measures that you have discussed. If you read my posts, what I am discussing is the legal reality of mold, and what happens when claims are made that can be disputed. If you can get a rider on your policy for mold that even come close to WDI, Radon, and Etc good luck.

I would still like to know what reputable source says that mold does not cause health effects?
Does your insurance cover you for mold lawsuits?
How does your E&O appreciate you? Do you get lower premiums for sticking your neck out?

I disagree; they don’t cover it because of the millions of dollars they have lost in lawsuits.

Anyone can sue anyone else at any time for any reason. That’s why I practice being an educational home inspector rather than a documentary home inspector. It’s been my experience in 40 years of business that the better informed my Clients are, the more likely it is that they will call me with a problem and the less likely it is that they will sue me. I’m there to help them, and I don’t mind doing research to help them. My business career has taken me to chemistry research and agricultural research (both of which, of course, include mold), as well as legal research and insurance research. So I’m quite well versed in all four areas that might be impacted by mold.

That’s not difficult at all.

I think I already answered that, but perhaps you were not reading closely: EPA, CDC, Johns Hopkins, probably more. I used their information, as well as others, in the document that I wrote. I remember them specifically because, as a chemist and agriculturalist, I simply like the EPA and CDC, and I always thought Johns Hopkins ought to do away with the “s” on “Johns,” so I tend to remember their unusual name.

No, because I choose not to have the rider. I am sufficiently well versed in areas of mold relating to chemistry and agricultural that I am quite confident in my ability to discuss mold intelligently. I also don’t have pool/spa/tennis court E&O insurance, but I inspect those amenities as well.

You better believe I do. As an example, my first year I paid $4,800. Second year I paid $4,400 while everyone else was going up a minimum of 10%. Third year stayed at $4,400, as did fourth year and fifth year. Try to find other home inspectors whose premiums decreased and/or stayed the same for four years. Good luck.

But that is my point to begin with. Why have they lost millions of dollars in lawsuits? Because home inspectors (and others) don’t understand mold and how to talk intelligently about it. Duh.

This is available for download from EPA.Gov

Mold Resource - Guidance for Health Professionals

This is from
Can mold cause health problems?
Molds are usually not a problem indoors, unless mold spores land on a wet or damp spot and begin growing. **Molds have the potential to cause health problems. Molds produce allergens (substances that can cause allergic reactions), irritants, and in some cases, potentially toxic substances (mycotoxins). Inhaling or touching mold or mold spores may cause allergic reactions in sensitive individuals. Allergic responses include hay fever-type symptoms, such as sneezing, runny nose, red eyes, and skin rash (dermatitis). Allergic reactions to mold are common. They can be immediate or delayed. Molds can also cause asthma attacks in people with asthma who are allergic to mold. In addition, mold exposure can irritate the eyes, skin, nose, throat, and lungs of both mold-allergic and non-allergic people. Symptoms other than the allergic and irritant types are not commonly reported as a result of inhaling mold. ** Research on mold and health effects is ongoing. This brochure provides a brief overview; it does not describe all potential health effects related to mold exposure. For more detailed information consult a health professional. You may also wish to consult your state or local health department

****[FONT=Arial][size=3]This is from the CDC questions and answers. It does say that common sense should be used, but is far from saying mold does not cause any health effects.[/size][/FONT]
[FONT=Arial][size=3]I can hear it now, I get sick every time I go in my house, but my home inspector said it would be okay. He has a background in agriculture and chemistry

I heard about “toxic molds” that grow in homes and other buildings. Should I be concerned about a serious health risk to my family and me?
The term “toxic mold” is not accurate. While certain molds are toxigenic, meaning they can produce toxins (specifically mycotoxins), the molds themselves are not toxic, or poisonous. Hazards presented by molds that may produce mycotoxins should be considered the same as other common molds which can grow in your house. There is always a little mold everywhere - in the air and on many surfaces. There are very few reports that toxigenic molds found inside homes can cause unique or rare health conditions such as pulmonary hemorrhage or memory loss. These case reports are rare, and a causal link between the presence of the toxigenic mold and these conditions has not been proven. A common-sense approach should be used for any mold contamination existing inside buildings and homes. The common health concerns from molds include hay fever-like allergic symptoms. Certain individuals with chronic respiratory disease (chronic obstructive pulmonary disorder, asthma) may experience difficulty breathing. Individuals with immune suppression may be at increased risk for infection from molds. If you or your family members have these conditions, a qualified medical clinician should be consulted for diagnosis and treatment. For the most part, one should take routine measures to prevent mold growth in the home.


I rest my case.

You could have just read the PDF file I posted.

[size=3]The way I read these documents there can be health effects from mold and the mycotoxins it releases. I doubt that we will come to any agreeable conclusion, which is my primary point. That is okay; it’s what keeps the attorneys busy. [FONT=Verdana][/FONT]

I did enjoy the discussion, good luck[FONT=Verdana][/FONT]


I think that’s what I said in my posts.

I think that’s what I say in the document I wrote.

So I’m resting again.

Do a search for NACHI message board posts from Caoimhin Connell if you want to know about mold. Check out his credentials (pretty easy).

What does mold smell like anyway? I think it smells like MONEY to me. Why fight it? If it is suspicious, swab it! If you can’t or won’t, refer it to someone who can and will.:cool: