Water damage to buildings, often from snow and ice accumulation or broken water pipes, is a leading contributor to mold growth that can spread beyond the original damaged areas. In almost every state, mold is excluded from both the General Liability and the Property insurance policies, so you need to act quickly to repair water-damaged facilities to prevent unforeseen and possibly uninsured loss.

Mold can grow in carpets, cloth, wood, paper, and foods, but it grows best in moist or wet areas. Most of us would immediately target showers and bathrooms due to their moisture levels, but there are several other areas of concern:

• Drip trays for refrigerator units
• Condensation in air conditioning units or their ventilation piping and on windows and sills
• Leaky roofs or plumbing
• Absorbent ceiling tiles, particularly in kitchens and dishwashing areas
• Pool pump rooms or mechanical rooms
• Indoor pools, particularly around the ceilings

There are several corrective actions for reducing and preventing mold growth:

• Vent showers and other moisture-generating sources to the outside
• Control humidity levels by using air conditioners and dehumidifiers
• Provide adequate ventilation to maintain indoor humidity levels between 30-60%.
• Use exhaust fans whenever cooking, dishwashing, and cleaning in food service areas
• Inspect the building for signs of mold, moisture, leaks, or spills
• Clean and repair roof gutters regularly
• Ensure rainwater runs away from facilities and not underneath
• Respond promptly when you see signs of moisture or mold
• Prevent moisture condensation
• Reduce the potential for condensation on cold surfaces (windows, piping, exterior walls, roof, or floors) by adding insulation
• Clean floors and carpets regularly.