Mold has become such a nightmare for property owners, contractors, suppliers, and employers, that if you haven’t developed a prevention program, you probably should. Particularly if you have any direct or incidental responsibility for residents or tenants or employees and customers. Here is a quick outline for what should be in a basic mold prevention program. It’s not complicated.
You’ll want to craft a written prevention program to educate your organization on the impact mold “liability” can have on the company. Should you wish to insure mold’s risk, the likelihood that any insurance company will offer any mold coverage these days is slim to none. ‘Mold/fungus’ has become a standard exclusion in most property/casualty insurance policies.
How do you get started? What follows is a brief outline of what a mold program can include. This will get you thinking in the proper direction. (If you want to develop a complete staff training program, it would be a good idea to talk to a certified industrial hygienist (CIH) or a mold specialist to address any specific needs of your organization or property.)
1. Mold Awareness
This section provides some background information to site personnel, residents and tenants.
- Current industry issues with mold.
- Describe mold/mildew/fungus. How it proliferates, what it looks like, why it exists, where to watch for it, how it smells, etc.
- Impacts on human health – actual or perception of hazards and symptoms.
- Risks related to customers or other third parties.
- Addressing mold awareness with tenants.
2. Mold Prevention
This section addresses most ways to prevent water from entering the building and should be shared with on-site personnel and tenants.
3. Mold Control Program
This section addresses the remediation once mold is found in the structure/building. Depending on the extent of the impacted area, experts in the field of indoor air quality or water and mold remediation should be engaged.
The key element to an organization’s mold program is prevention. Not of mold, but of water intrusion. Mold can too easily become the nasty by-product of the real culprit, water intrusion. In order to truly avoid future mold problems and significant liability, you must be vigilant to prevent water from spilling into or entering your structure. That is usually easier said than done and requires the help and attentiveness of everyone working in or living in the structure.
Please call Floodco LLC for additional help or questions on mold prevention issues. 406 892-1717
Posted by Lloy. Source material from Institute of Risk Management & Insurance.