Understanding Mold Hazards and How to Prevent

The bad news: Exposure to indoor mold can trigger serious allergic reactions and even infections among workers and visitors to your building, leading to lost productivity and potential litigation costs.

The good news: Taking sensible precautions can help prevent health problems and reduce your exposure.

The potential for indoor exposure to mold has increased because buildings are being built more tightly to conserve energy. Tighter structures and many synthetic building materials reduce air movement and can increase indoor moisture, creating conditions that nurture mold growth.

Poorly designed or poorly maintained heating, ventilation, and air-conditioning systems also contribute to indoor mold exposure. Air filters and some air filtration devices can provide a habitat for mold, especially in high-humidity conditions. HVAC systems can re-circulate air that contains mold spores and toxins if filters are not effective. Failure to maintain and clean systems leads to unchecked mold growth and indoor circulation of spores.

Human factors add to the risk: we spend a lot of time indoors, many people have weakened immune systems from illnesses or medications, and new mold organisms circulate over time.

Although there’s no practical way to eliminate all indoor molds and spores, you can stop indoor mold growth and reduce its presence in the workplace by following prompt, practical steps. For information about insurance options related to mold exposure and remediation, see Mold insurance overview.

Recommended steps to stop indoor mold growth

  1. Clean small-scale mold growth promptly using a 10% solution of chlorine bleach; always wear proper personal protective equipment (gloves, eye protection, and a mask to protect against airborne spores) and dry surfaces completely after cleaning.
  2. Fix leaks quickly; moisture from plumbing or structural leaks provides an ideal environment for mold growth.
  3. Seal porous surfaces with paint or other sealants containing a fungicide to reduce regrowth.

Large-scale mold problems require professional cleaning services that may use oxidizers, fungicides, bactericides, and surface shield compounds that seal antimicrobial agents into the treated material. For coverage and remediation resources, see Mold Abatement Insurance.

Maintain HVAC systems with regular inspection and filter replacement, control indoor humidity, and respond quickly to water intrusion. These steps reduce the chance of persistent mold and limit potential health impacts.

If you need help assessing or managing mold risk in your workplace, consult a qualified risk management specialist or talk to an agent.

Frequently Asked Questions

How quickly should small mold growth be cleaned?

Clean visible small-scale mold as soon as it is noticed to prevent spread; wear PPE and dry the area thoroughly after cleaning.

When should I call a professional for mold remediation?

Call a professional for mold covering large areas, recurrent growth after cleaning, or when HVAC systems are involved.

Can painting over mold prevent recurrence?

Sealing cleaned surfaces with an appropriate fungicide-containing paint can reduce regrowth but only after the source of moisture is fixed.

Does insurance cover mold damage?

Coverage varies by policy and situation; review your policy language or consult an insurance specialist for specifics.

Need insurance for You, Your Family or Your Business?
We can match you to a qualified, local insurance expert!
Further Reading
Risk management experts, safety experts, accountants, actuaries, and other professionals make the distinction between direct and indirect costs of accidents, lawsuits, and similar events. For example, the cost of turnover in the HR That Works Turno...
Although you're aware of the Americans with Disabilities Act (ADA), you might not understand how to implement it in your small business. The Equal Employment Opportunity Commission (EEOC) can help; for storefront owners, see Safety Regulations. The...
Coinsurance clauses are commonly found in a Builder's Risk Completed Value policy. As the name suggests, a coinsurance clause makes the policyholder a co-insurer of the risk, so certain conditions can reduce the insurer's payment and leave the polic...
Overview Injuries at work or caused by someone else can lead to different legal and insurance paths. Two common options are a workers' compensation claim and a third-party personal injury claim. Understanding how each works helps protect your right...
For those who can't qualify for a mortgage, there is another option for achieving the dream of becoming a homeowner. Renting to buy is an option that isn't common but is obtainable with the proper research and invested time. Renting to own is simila...