There have been countless stories about toxic mold over the years and it’s important to understand that mold spores can be toxic. It’s rare for mold to grow to such a state that it poses a threat to your life, however, even small amounts of mold can impact your health, especially if you already have a respiratory disease.
Your health isn’t the only thing that can be damaged by mold growth, though, property damage is an even bigger risk. There are a few things that every Colorado home owner needs to know about mold.
There Are Different Types Of Mold
There are four molds you need to be aware of: Aspergillus (black), Cladosporium, Alternaria, and Penicillium. There are the molds that grow indoors and they prefer damp and warm conditions (like basements, attics, bathrooms, and closets) that are poorly ventilated.
Most people don’t suffer ill health effects from mold, however, many people are sensitive to it and if it is disturbed the spores are sent into the air which can worsen allergies and asthma. It can also result in headaches, eye irritations, and sin problems. You should always visit the doctor if you find mold and have been suffering from symptoms that you believed to have no cause.
Your Insurance Won’t Cover It
Sadly, the majority of insurance policies don’t cover property damaged by mold and if you file a claim they will simply deny it.
A presence of mold in your home can make it difficult to obtain insurance, which means if you are planning to sell your home you will find it difficult to do so. Essentially, the presence of mold will leave your home un-saleable. This is why it is so vital that mold is dealt with immediately upon finding it.
You should always call in the professionals to deal with mold remediation, this will ensure it is handled correctly. The professional technicians will also take steps to treat the area and offer advice on how to prevent it from reoccurring.
If your insurance company will cover mold, whether they pay out or not will likely depend on what caused the mold growth. If it’s as a result of poor ventilation or a leak it’s very likely your claim will be denied. This is because standard policies don’t cover water damage that resulted from a maintenance issue. Flood damage is also not generally covered by policies. It’s important to know what’s in your policy and understand what it really means.
The Warning Signs & How To Prevent It
The best way to deal with mold is to prevent it and know the warning signs.
- Buy a humidity meter and ensure your home sticks between 30 and 50%.
- Have bathroom ventilation installed. If you already have it, ensure it is in working order.
- Use dehumidifiers and air conditioning.
- Have a ventilation system installed in the crawlspace, basement, and attic that is for all-seasons. Ensure it is well maintained.
- Ensure the drainage lines from your AC unit are unobstructed and clean.
- Ensure your appliances have exhaust fans and appropriate ventilation.
- Use paint that prevents the growth of mold.
- Ensure your home is properly insulated.
- Check your home routinely for any leaks or signs of mold.
- Deal with mold immediately.