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.