INSURANCE & MOLD

Commercial & Residential Insureds

• Reduce your liability
• Help protect your investment
• Identify minor issues before they become costly repair
• Reduce or prevent insurance claims
• Help reduce moisture claims by identifying high risk areas
• Present a Professional report and Thermal Scan Images
• Create a documented Thermal history of conditions prior to a claim
• Provide documented Thermal evidence if a Claim occurs

• Hidden moisture using Thermal Imaging Technology
• The Extent of and Source of hidden moisture
• Possible mold
• Predictive failure of Electrical equipment, HVAC etc.

• Insurance renewal inspection
• Annual reinspection
• Quality Control inspection
• Risk reduction inspection
• Complete building Thermal Scan Inspection
• Damage related inspection
• Mold and environmental inspections

Using Infrared and Thermographic Technology, Our Thermographers can provide your Company with a Predictive Failure baseline, prior to the Underwriting of a risk. Roofing, Moisture Intrusion, Structural walls, Electrical Panels, etc. can be Assessed and their conditions documented prior to Underwriting.

The first thing to understand about mold is that there is a little mold everywhere – indoors and outdoors.  It's in the air and can be found on plants, foods, dry leaves, and other organic materials. 

It's very common to find molds in homes and Commercial buildings. After all, molds grow naturally indoors, and mold spores buildings through doorways, windows, and heating and air conditioning systems. Spores also enter homes & buildings on animals, clothing, shoes, bags and people.

When mold spores drop where there is excessive moisture, they will grow. Common problem sites include humidifiers, air conditioning condensation, leaky roofs and pipes, overflowing sinks, bath tubs and plant pots, steam from cooking, wet clothes drying indoors, dryers exhausting indoors, or where there has been flooding.

Many of the building materials provide suitable nutrients for mold, helping it to grow. Such materials include paper and paper products, cardboard, ceiling tiles, wood and wood products, dust, paints, wallpaper, insulation materials, drywall, carpet, fabric, and upholstery.

The importance of mold in the real estate market today

Much has been made of indoor mold in advertising and the media lately, so it’s a common concern for homeowners, buyers and Commercial property managers. It's common to find mold even in new homes and properties. ANY water leakage of ANY kind should require a Thermographic Scan and a mold inspection. Presence of active mold can drastically affect the resale value of any home, as well as reduce the liability exposure for commercial owners and property managers.

Infrared Themography and Mold / Moisture Detection
Board Certified Infrared Thermographer’s, using state of the art camera technology, can find areas of moisture intrusion or leakage that is invisible to the naked eye. This advanced technology is the most important tool for detection of and isolation of moisture and the resulting Mold – Spore growth.

For homeowners, a mold inspection will either put your mind at rest or make you aware of any problems that could otherwise cause delays or deal breakers once you’ve entered negotiations with a buyer. A professional mold inspection will give you a signed report from an expert before you put the home up for sale. Imagine being able to show a “clean bill of health” to potential buyers that express concerns – they’ll be impressed by your thoroughness and commitment to your home.

For buyers, getting a mold inspection will ensure that you’re not surprised by costly clean up and the potential health hazards of mold. If any mold is found to be present and active in the home, the mold inspection will allow you to ask the seller to do the clean up prior to buying the home.

Exposure to mold

Everyone is exposed to some amount of mold on a daily basis, most without any apparent reaction. Generally mold spores can cause problems when they are present in large numbers and a person inhales large quantities of them. This occurs primarily when there is active mold growth.

For some people, a small exposure to mold spores can trigger an asthma attack or lead to other health problems. For others, symptoms may only occur when exposure levels are much higher.

The health effects of mold can vary.  The production of allergens or irritants can cause mild allergic reactions and asthma attacks. The production of potentially toxic mycotoxins can cause more severe reactions, and in rare cases death.

Should I be concerned about mold in my home?

Yes.  If indoor mold is extensive, those in your home can be exposed to very high and persistent airborne mold spores.  It is possible to become sensitized to these mold spores and develop allergies or other health concerns, even if one is not normally sensitive to mold.

Left unchecked, mold growth can cause structural damage to your home as well as permanent damage to furnishings and carpet.

According to the Centers for Disease Control*, "It is not necessary, however, to determine what type of mold you may have.  All molds should be treated the same with respect to potential health risks and removal."

Can my Property be tested for mold?

Yes.  We offer thorough mold inspections that involve visual examinations of the most likely areas to harbor mold. We also take air samples indoors and out to determine whether the number of spores inside your home is significantly higher. If the indoor level is higher, it could mean that mold is growing inside your home or commercial property.

How do I remove mold from my home or Commercial Property?

• First address the source of moisture that is allowing the mold to grow.  Then take steps to clean up the contamination.  Here are helpful links to lean more about cleaning up mold in your home.