Mold damage claims are complex, because of the mold exclusions or limitations that are found in most insurance policies. Left untreated, mold can impact the health of those exposed to it. The longer mold sits on your property, the more damage it can potentially cause. Public Adjuster Miami Gardens FL team has the tools and experience to assess your mold problem and recommend an effective solution for eliminating it and have it paid by the insurance company.

Molds are ubiquitous in nature, and mold spores are a common component of household and workplace dust. However, when spores are present in large quantities, they are a health hazard to humans, potentially causing allergic reactions and respiratory problems.

Some molds also produce mycotoxins that can pose serious health risks to humans and animals. The term “toxic mold” refers to molds that produce mycotoxins, such as Stachybotrys chartarum, not to all molds. Exposure to high levels of mycotoxins can lead to neurological problems and in some cases death. Prolonged exposure, e.g., daily workplace exposure, can be particularly harmful.

Symptoms of mold exposure can include:

Nasal and sinus congestion, runny nose

Eye irritation, such as itchy, red, watery eyes

Respiratory problems, such as wheezing and difficulty breathing, chest tightness

Cough

Throat irritation

Skin irritation, such as a rash

Headache

Sneezing/Sneezing fits

Health effects linking to asthma

Infants may develop respiratory symptoms as a result of exposure to a specific type of fungal mold, called Penicillium. Signs that an infant may have mold-related respiratory problems include (but are not limited to) a persistent cough and/or wheeze. Increased exposure increases the probability of developing respiratory symptoms during their first year of life. Studies have shown that a correlation exists between the probability of developing asthma and increased exposure Penicillium. The levels are deemed no mold to low level, from low to intermediate, from intermediate to high.

Mold damage have a variety of health effects depending on the person, some people are more sensitive to mold than others. Mold damage can cause a number of health issues such as; throat irritation, nasal stuffiness, eye irritation, cough and wheezing, as well as skin irritation in some cases. Mold damage may also cause heightened sensitivity depending on the time and nature of exposure. People at higher risk for mold allergies are people with chronic lung illnesses, which will result in more severe reactions when exposed to mold.

There has been sufficient evidence that damp indoor environments are correlated with upper respiratory tract symptoms such as; coughing, and wheezing in people with asthma.

Causes & growing conditions

Molds are found everywhere inside and outside, and can grow on almost any substance when moisture is present. Molds reproduce by spores, which can be carried by air currents. When these spores land on a moist surface that is suitable for life, they begin to grow. Mold is normally found indoors at levels that do not affect most healthy individuals.

Because common building materials are capable of sustaining mold growth, and mold spores are ubiquitous, mold growth in an indoor environment is typically related to water or moisture indoors. Mold damage/growth may also be caused by incomplete drying of flooring materials such as concrete. Flooding, leaky roofs, building maintenance problems, or indoor plumbing problems can lead to mold growth inside. Interior moisture vapor commonly condenses on surfaces cooler than the moisture containing air which enables mold to flourish. This moisture vapor passes through walls, ceilings and condenses typically in the winter months in climates where the heating cycle is extended. Floors over crawlspaces and basements (without vapor barriers or with dirt floors) are also problem areas. (The “doormat test” is very good at detecting moisture vapor emanating from under concrete slabs that are missing a sub-slab vapor barrier.)

For significant mold damage/growth to occur, there must be a source of water (which could be invisible humidity), a source of food and a substrate capable of sustaining growth. Common building materials, such as plywood, drywall, furring strips, carpets, and carpet padding are food for molds. In carpet, invisible dust and cellulose are the food sources. After a single incident of water damage occurs in a building, molds grow inside walls and then become dormant until a subsequent incident of high humidity; this illustrates how mold can appear to be a sudden problem, long after a previous flood or water incident that did not produce such a problem. The right conditions reactivate mold.

MOLD DAMAGE TIPS

In as little as 48 hours, mold can quickly become a problem in your home or business when there’s a water intrusion, like a roof leak or leaking water line. Mold can cause health effects