Mould

Definition - mold or mould
Usually mould damage occurs from conditions in a sudden and accidental situation such as a broken pipe, a storm, or fire suppression efforts, but it can occur gradually over time, due to a slow water leak or a buildup of moisture.

Be aware that mould can cause serious property damage and illness. It comes from an area being moist and then the mould grows.

Mould is a fungus, and it is commonly everywhere in very small amounts. If you have a claim involving water damage, it is very important that everything be done, to reduce or prevent mould growth.

Mould grows by generating spores which are microscopic reproductive bodies similar to seeds. If mold spores are plentiful in your living and working environment, then it is likely to cause health problems - usually respiratory.

Certain moulds are considered hazardous. Mould can produce chemicals called mycotoxins. Mycotoxins can cause illness in certain people who are sensitive to them or if the chemicals are exposed to large amounts in the air.

What is the insurance answer to mould? The claim will likely be determined by whether or not the mould is resultant from an insured peril. Some policies exclude contamination coverage. If the coverage is excluded, it is likely because of poor repairs, wear and tear, lack of adequate housekeeping or the result of a long term leakage.

It is important that during your claim process you allow the insurer to investigate the cause of the mould. You do not have the expertise to make such a judgment, and should not speculate about the cause, as this may lead to the mould portion of the claim costs being denied.

Review your policy with your agent or broker, for the possible exclusions regarding mould and fungi.