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The severity of the problem

The EPA not only recognizes the mold problem, but thinks it is a big one. They have many brochures on mold. One of them, "Biological Pollutants in Your Home" (EPA Document reference No. 402-F-90-102), prepared by the American Lung Association and the U.S. Consumer Products Commission, warns that "one-third to one-half of all structures have damp conditions that may encourage development of pollutants such as molds and bacteria, which can cause allergic reactions -- including asthma and spread infectious diseases."
This means that their research indicates that conditions in the structures are ideal for mold growth. When you cut through the wording, the key phrase is "one-third to one-half of all structures." In other words, if your house doesn't have a mold problem, the neighbor's house to the right of you or the left of you probably does.

The fungus among us
Mold is just another name for fungi. It is essential to life because it breaks down organic matter and permits it to be recycled. Yeasts that make it possible for us to bake bread or make beer and cheese are in the fungi family.
Molds are highly adaptable organisms. They can be single cells, like yeast, or strings of cells called hyphae. Hyphae weave themselves into clusters, called mycelium that are visible to the naked eye.
Mold spores germinate to form hyphae, which grow into a colony and create more spores. If the climate is good, the cycle goes on forever and the mold colony spreads and prospers. Over time, it sends out millions, maybe billions, of mold spores that have the ability to establish new colonies.
If the climate turns bad, the fungi form thick-walled chlamydospores, which can survive for years in hot dry climates then start the life cycle all over again when proper conditions exist.
According to "Mold: Cause, Effect and Response" by the Foundation of the Wall and Ceiling Industry, 69,000 different species of fungi have been identified and there may be as many as 1.5 million different species. All told, fungi (remember that is just another name for mold) represents approximately 25 percent of the earth's biomass.
The problem
OK, molds are all over, but most are benign and we don't have to worry about them. There are just a few bad apples, like Stchybotrys, that we have to worry about. Right?
Wrong. According to the Environmental Protection Agency, "All molds have the potential to cause long-term health effects. Molds produce allergens, irritants, and in some cases, toxins that may cause reaction in humans." (Quoted from "Mold Remediation in Schools and Commercial Buildings," EPA No. 402-K-01-001.)
Potential mold dangers can be created by living mold, by the mycotoxins (toxic substances) they produce, and even from dead mold cells.
Despite the potential danger, little practical research has been done on mold in houses because it didn't seem to be a major problem until the past 20 or 30 years. Up until then, the perceived danger was considered to be mold in food that we might accidentally eat.
Should I test for mold?

If you feel uncomfortable with the thought of mold in your home, or if you already have an existing health problem that may get worse due to the exposure to mold, we recommend that a swab or air sampling be taken to help identify the various species of mold that may exist in your home.

Because home inspectors are not mold specialists nor doctors, we cannot alert you to the possible dangers to your health that may develop as a result of mold exposure. Home Inspectors have the equipment and knowledge to retrieve mold samples for laboratory analysis ONLY. Once mold spores are identified, it is recommended that you take the results to your doctor for review and consultation.