Drawing the Line between Water Damage Restoration and Mold Remediation
Background of Water and Mold Damage
In recent years, many insurance policies have instituted limits or caps on the amount that will be paid for “mold or microbial damage.” Often, what constitutes microbial damage is defined poorly, if at all, in the policy. Meanwhile, the funds available for water damage restoration are generally not separately capped, and are available up to policy limits.
Since mold would not have grown unless excessive moisture was present, water damage and mold damage almost always overlap. If mold growth is present, it is by definition because materials were wet/damp for an extended period, either from liquid water or from excessive humidity.
In recent months, several restorers and adjusters have asked Indoor Environmental Technologies (IET) for our opinion on where to draw the line between water damage restoration and mold remediation. We are making this article freely available for distribution. All we ask is that IET be credited for its production, by leaving our logo and contact information intact, etc. IET was involved in the creation of the current IICRC S500 and S520 documents within the IICRC and is referenced in its credits. In our reports, we use these documents as the standard for professional water and mold damage restoration and remediation.
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