Controlling moldWater damage to buildings, often from snow and ice accumulation or broken water pipes, is a leading contributor to the growth of mold that can spread beyond the original damaged areas. In almost every state, mold is excluded on both the General Liability and the Property insurance policies, so it’s very important for you to act quickly to repair water-damaged facilities to prevent facing an 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
- 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 rain water runs away from buildings and not underneath
- Respond promptly when you see signs of moisture or mold
- Prevent moisture condensation
- Reduce potential for condensation on cold surfaces (windows, piping, exterior walls, roof, or floors) by adding insulation
- Clean floors and carpets regularly
Remember, time is not on your side for addressing mold….it grows fast!
*Markel Specialty is a business division of Markel Service, Incorporated, the underwriting manager for the Markel affiliated insurance companies.