Under most home insurance policies, mold is one of the few things (along with rust, rot, and fungi) that are generally uncovered unless it is the result of something that is covered by the home’s insurance policy, such as flood damage and the water caused by a burst pipe. However, mold that has been caused by leaks, condensation, or flooding (in the case where the homeowner does not have flood insurance) is not covered.
Even though mold has been around for thousands of years and will continue to be for thousands more, the amount of mold claims that have been submitted to insurance companies have increased significantly. Insurers are beginning to insert some language into their policies that is very specific as to what is covered and what is not. Some companies may soon decide to offer to cover damages caused by mold and will raise the price of the policy and others may choose to continue to completely exclude mold from the homeowner’s insurance policy. In order to guard against the failings of your homeowner’s insurance, removing mold and preventing it from returning is essential if you wish to retain the value of your home and your health.
Anyone who owns or rents property should be aware that mold should be cleaned up as soon as it is discovered and that mold cannot grow without a decent access to moisture. Repairing water damage, the cause of excess humidity, and other leaks should be done immediately in order to minimize the amount of mold that will grow in that area of the property. The Center for Disease Control (CDC) recommends that people take measures to safeguard not only their properties, but also their health by making swift work of the mold growing where they live and/or work and taking appropriate measures to make sure it does not return.
Your home should not be completely air tight and a home that is cannot breathe. Homes that air cannot flow freely through are breeding grounds for mold because the air is allowed to become stagnant. You should have vents installed in the bathrooms, laundry room, and kitchen in your home.
Wood and other cellulose-based debris should not be placed in any crawl spaces or against the side of the home because mold eats these and any other organic-based material.
Carpet shouldn’t be installed anywhere in the home where moisture should be a problem such as the bathroom where toilets or bath tubs can overflow or in the laundry room where the washer could leak out into the floor.
Jim Corkern is a writer and promoter of quality
North Carolina Water Damage Restoration and other states such as
New Jersey Water Damage Restoration companies across the united states.
Thursday, October 11, 2007
Mold and Your Clothes
If you’re planning on moving out of a house or apartment that’s been infected with mold, decontaminating your clothes before you do is a must. No one should stay in a place where mold exists for very long and cross-contaminating your new living space with the mold that can exist on your personal belongings is likely.
Most items made from cotton and polyester can be freed of the mold, however the older the mold stains are on the clothing, the harder they will be to remove. These stains can be bleached out if it’s white clothing you’re dealing with. If it’s colored fabric, you can use a brush to remove the mold from it and this will help to loosen up the mold growing in the threads. Rub a pre-wash spray into the stain and soak it in water and laundry detergent up to 45 minutes and wash. Don’t use the clothes dryer in your laundry room to dry these items; let them dry naturally outside in the sun. The artificial heat can seat the stain even further into the clothing and as some people may know, the sun is very good at bleaching things, so this could actually help your white clothing. Unless you leave colored clothes in the sun for days, it shouldn’t do any damage.
Sometimes dry cleaning can be effective in killing and removing the mold from your clothes, but it doesn’t always work.
Cleaning mold from upholstery starts almost the same way cleaning clothing does and that’s with a brush. Remove the mold from the upholstery with a brush and if you have a vacuum cleaner that has a brush attachment on it, use that to keep mold spores from taking flight. Washing the item where the mold was present with laundry detergent (test in a small inconspicuous area first to make sure it won’t damage the fabric) and a brush comes next and then take it out into the sun to dry.
Unfortunately, if mold contaminates something made of leather, you’re pretty much out of luck. Leather is discolored easily, especially by mold and since leather is skin that’s been cured and dried over time, it is very porous and mold loves porous surfaces. Even if you do clean the mold off of it, it will still be spotty and discolored in areas.
To keep mold from growing on clothes that you hang in your closet, don’t pack them into the closet so close together. Air circulation is the enemy of mold and your clothes need to be able to breathe. If air can’t get in and out of the closet, mold will grow. If you don’t pack them tightly and they still become moldy, try installing a vent.
Jim Corkern is a writer and respected contributor to the Water damage restoration and mold remediation Industry. Visit his sites for more information.
http://www.floodingct.info
http://www.floodedbasementnj.info
Most items made from cotton and polyester can be freed of the mold, however the older the mold stains are on the clothing, the harder they will be to remove. These stains can be bleached out if it’s white clothing you’re dealing with. If it’s colored fabric, you can use a brush to remove the mold from it and this will help to loosen up the mold growing in the threads. Rub a pre-wash spray into the stain and soak it in water and laundry detergent up to 45 minutes and wash. Don’t use the clothes dryer in your laundry room to dry these items; let them dry naturally outside in the sun. The artificial heat can seat the stain even further into the clothing and as some people may know, the sun is very good at bleaching things, so this could actually help your white clothing. Unless you leave colored clothes in the sun for days, it shouldn’t do any damage.
Sometimes dry cleaning can be effective in killing and removing the mold from your clothes, but it doesn’t always work.
Cleaning mold from upholstery starts almost the same way cleaning clothing does and that’s with a brush. Remove the mold from the upholstery with a brush and if you have a vacuum cleaner that has a brush attachment on it, use that to keep mold spores from taking flight. Washing the item where the mold was present with laundry detergent (test in a small inconspicuous area first to make sure it won’t damage the fabric) and a brush comes next and then take it out into the sun to dry.
Unfortunately, if mold contaminates something made of leather, you’re pretty much out of luck. Leather is discolored easily, especially by mold and since leather is skin that’s been cured and dried over time, it is very porous and mold loves porous surfaces. Even if you do clean the mold off of it, it will still be spotty and discolored in areas.
To keep mold from growing on clothes that you hang in your closet, don’t pack them into the closet so close together. Air circulation is the enemy of mold and your clothes need to be able to breathe. If air can’t get in and out of the closet, mold will grow. If you don’t pack them tightly and they still become moldy, try installing a vent.
Jim Corkern is a writer and respected contributor to the Water damage restoration and mold remediation Industry. Visit his sites for more information.
http://www.floodingct.info
http://www.floodedbasementnj.info
Mold and Selling Real Estate
Selling a house contaminated with mold isn’t a pleasant thing to have to deal with. There are a few things that you can do, however, to make the selling of your mold-contaminated home as painless as possible.
Any real estate sales contract should have in it an environmental inspection clause that allows for a 2 week to a 3 week inspection period so the buyer can have a professional mold inspector view the property and test it for mold or any other kind of natural hazards that might occur in the home. If it’s obvious that mold exists in the home, the only testing you should need is to determine whether the mold is toxic or not. Even if the mold isn’t a hazard to your health, it could be a hazard to the home’s structural integrity. If you can have the mold removed from the home before you sell it, this is the best thing to do. Selling the home will be easier if the mold is already gone, although you can leave this up to the buyer if you want to sell the home for a little less.
The owner of a property being sold shouldn’t make any attempt to hide mold if the problem is known about. If the buyer of the home suspects that you were trying to hide the problem, they may back away from the house completely. After all, if you would deceive them about the mold, what else could you be deceiving them about?
You should have in writing what you have done to try and correct any problems with mold or other environmental hazards. Any past water or mold damage should be disclosed also in this writing and it should be added to the sales contract so the buyer of the home legally knows about it. In addition to this, the seller should include in the contract that the home is being sold as-is and that there is no kind of warranty on the property for any environmental reasons.
Lastly, you should ask for a clause that releases not only you, but the lender, and the real estate agent from any and all liability related to mold to the buyer. As long as the information that you have given in your report about the past water and mold damage to the home and what you have done to remove it is complete and accurate to the best of your knowledge, you should be on solid legal ground should any problems with the buyer arise later.
Jim Corkern is a writer and promoter of quality
flood water damage restoration New Jersey and and other states such as
Connecticut Water Damage Restoration companies across the united states.
Any real estate sales contract should have in it an environmental inspection clause that allows for a 2 week to a 3 week inspection period so the buyer can have a professional mold inspector view the property and test it for mold or any other kind of natural hazards that might occur in the home. If it’s obvious that mold exists in the home, the only testing you should need is to determine whether the mold is toxic or not. Even if the mold isn’t a hazard to your health, it could be a hazard to the home’s structural integrity. If you can have the mold removed from the home before you sell it, this is the best thing to do. Selling the home will be easier if the mold is already gone, although you can leave this up to the buyer if you want to sell the home for a little less.
The owner of a property being sold shouldn’t make any attempt to hide mold if the problem is known about. If the buyer of the home suspects that you were trying to hide the problem, they may back away from the house completely. After all, if you would deceive them about the mold, what else could you be deceiving them about?
You should have in writing what you have done to try and correct any problems with mold or other environmental hazards. Any past water or mold damage should be disclosed also in this writing and it should be added to the sales contract so the buyer of the home legally knows about it. In addition to this, the seller should include in the contract that the home is being sold as-is and that there is no kind of warranty on the property for any environmental reasons.
Lastly, you should ask for a clause that releases not only you, but the lender, and the real estate agent from any and all liability related to mold to the buyer. As long as the information that you have given in your report about the past water and mold damage to the home and what you have done to remove it is complete and accurate to the best of your knowledge, you should be on solid legal ground should any problems with the buyer arise later.
Jim Corkern is a writer and promoter of quality
flood water damage restoration New Jersey and and other states such as
Connecticut Water Damage Restoration companies across the united states.
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