When is Mold Remediation Required

mold mold remediation mold remediation Michigan

A few years ago, I noticed some black spots in the back of my upstairs bedroom bathroom closet. I thought that maybe it was from the condensation of the shower. It turns out it was from an ice dam, and it was definitely mold.

In the last couple of weeks, I have noticed quite a few nail pops that look “soft,” which is concerning. Not sure what to do if mold remediation in my Michigan home is the outcome? I certainly hope the gutters are not so clogged that this is going to be the result. According to the experts, if there is a musty smell or color changes, I need to take action. When mold begins to spread in the home, there will be a noticeable discoloration on the walls, floors, or ceilings.

Being a recent divorce’, single mom, I have not had the means nor the resources to have my gutters cleaned out. Furthermore, we have many trees on our property as well as in the neighborhood, which adds to the clean-up. While my two teenage sons have been great helpers in cleaning up the leaves in the yard, they are not capable of cleaning the gutters on our two-story colonial home. Well, maybe my oldest is capable, but this mama is too worried to let him go up a ladder like that, especially since he is inexperienced in this area. I just need a professional to go take a look!

The U.S. General Services Administration states in their General Inspection and Maintenance of Gutters and Downspouts, “Gutters on older structures can cause problems because they are often integrated with the roof structure such as built-in gutters, cornice gutters, hidden gutters and Yankee gutters; and if not properly maintained can result in leaks into roof, cornice, or structure itself. Hung-gutter types are more common on newer structures.

A failed gutter often means that damage has spread; repairs will be extensive, maybe complicated, and probably expensive. A well-restored gutter, however, faithfully inspected and maintained, should require no major repairs for some years.

Downspouts, flashing, conductor heads, leaders, roof drains, and scuppers are all part of the drainage system, and should be included in the work list when maintenance or repairs are being evaluated and scheduled for the gutters,”.

I am learning that when a home has been exposed to water or high levels of moisture, it’s critical to tap the expertise of a highly trained team of mold remediation experts to ensure that our home and family are safe. By doing so, I’ll be better able to prevent future health issues – including asthma, difficulty breathing, and allergic reactions – that could result from exposure to mold and other moisture-driven organisms living within materials in your home.

When should you leave your house with mold?

Should my fears turn into reality (hoping not!) and mold remediation be needed, I must get my sons out immediately, as they both have asthma. When checking what the CDC recommends about whether or not to leave my home, this is what they said, “If you have asthma, COPD, or if you are immune-compromised, you should not stay in a moldy home, or even be there while it is being cleaned. Spend less time in your home. Stay with friends or relatives as much as you can until your home is dried and cleaned up. If you can, shower and wash your hair at their home,”.

So it doesn’t look like we’ll be able to stay should it be a problem because in my family, we have the following health concerns that can be severely affected by an unhealthy home:

  • Allergies – grass, weed, trees and mold
  • Asthma
  • Depression
  • Anxiety
  • Autoimmune diseases
  • Gastrointestinal problems
  • Skin conditions
  • Joint pain
  • Muscle aches
  • Fatigue
  • Weakened immune system

In addition, here are some more common side effects of prolonged exposure to mold:

  • Respiratory infections
  • Skin irritation
  • Chronic coughing
  • Sneezing
  • Runny nose
  • Congestion
  • Throat irritation
  • Wheezing
  • Shortness of breath
  • Chest tightness
  • Sinusitis
  • Bronchitis
  • Pneumonia
  • Fatigue
  • Headaches
  • Migraines
  • Cognitive impairments
  • Neurological symptoms

Yikes, I really need to get someone out to do a mold inspection because we have experienced all of these, too!

Who pays for mold remediation?

Next steps for me are to figure out how much this will cost, whether I have the funds, and whether my insurance company will cover it. Thankfully, I found out that mold inspection and remediation generally fall under covered incidences with most homeowners’ policies. Now that I think of it, it was covered the last time when I found the mold in our bathroom closet upstairs. But first things first; hire an expert to help!

In many cases, if the mold is a result of a covered peril in your homeowner’s insurance policy, the cost of mold inspection and remediation may be covered. Covered perils typically include events like sudden, accidental water damage from a burst pipe or a storm-related roof leak.

However, it’s essential to review your insurance policy carefully to understand the specific coverage details related to mold remediation. Some policies may have limitations on the amount they will cover for mold removal, or they may require certain conditions to be met before reimbursement.

If the mold growth is a result of negligence, such as ongoing water leaks that were not promptly addressed, the responsibility for remediation costs may fall on the homeowner. Regular maintenance and timely repairs to prevent water intrusion can help avoid mold issues and potential disputes with insurance companies over coverage.

In cases where insurance coverage is not available or insufficient, homeowners may need to bear the costs of mold remediation out of pocket. However, it’s crucial not to delay addressing mold problems, as allowing mold to spread can lead to more extensive and costly damage to your property and potential health risks for you and your family.

Again, I am a lucky girl because I have “a guy” who is backed by a highly trained, dedicated support team. The team has a superintendent, a project manager, and an insurance liaison. In addition, they have client service and administrative support professionals who are committed to keeping me constantly informed and satisfied.

When is mold remediation required

In conclusion, taking proactive steps to address water damage promptly, maintain your property, and stay informed about your insurance policy can help alleviate the financial burden of mold remediation and protect your home and family from the harmful effects of mold exposure.