Mold: Introduction for Insurance Agents
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Recommendations

To prevent the harmful effects of mold, there are several things property owners can do.

Sensitive individuals
  • Sensitive individuals should avoid areas that are likely to have mold, such as compost piles, cut grass, and wooded areas.
  • In situations where mold exposure is unavoidable, sensitive people should wear a tight-fitting face mask.

    Mold removal and prevention
  • Mold growth can be removed with commercial products or a weak bleach solution (1 cup of bleach in 1 gallon of water).
  • Add mold inhibitors to paints before application.
  • Clean bathrooms with mold killing products.

    Humidity
  • Inside homes, mold growth can be slowed by keeping humidity levels below 40%.
  • Use an air conditioner or a dehumidifier during humid months.

    Ventilation
  • Be sure the home has adequate ventilation, including exhaust fans in kitchen and bathrooms.

    Carpets
  • Do not carpet bathrooms and basements.
  • Remove or replace previously soaked carpets and upholstery.


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    Not only are policy forms, clauses, rules and court decisions constantly changing, but forms vary from company to company and state to state. This material is intended as a general guideline and might not apply to a specific situation. The authors, LunchTimeCE, Inc., CEfreedom, and Insurance Skills Center, and any organization for whom this course is administered will have neither liability nor responsibility to any person or entity with respect to any loss or damage alleged to be caused directly or indirectly as a result of information contained in this course.