- What does pre-loss condition mean?
- What is mould?
- What is black mould?
There may be some damage to your home and property that existed prior to your loss. Therefore, these damages will not be included in the scope of repairs. We are responsible for returning your home to how it was before the damage occurred, in other words, to its pre-loss condition, using materials of like-kind and quality. At your request, we will provide you with an estimate for any additional construction projects you may wish undertaken by our team. This additional work is termed, “non-insured work.”
Mould is a fungus that can be found both indoors and outdoors. No one knows how many species of mould exist, but estimates range from tens of thousands to even three hundred thousand, or more. Mould spreads and reproduces by creating spores. Spores can survive conditions that are too sunny, hot, cold, dry or wet for mould to grow. When spores are released they can be carried by air or water to new locations and cause new mould growth.
Black mould (Statchybotrys chartarum) is greenish-black in colour and grows in conditions where there is an excessive amount of moisture over a long period of time. Water damage, excessive humidity, water leaks and condensation in small, damp places like bathrooms all create a perfect breeding ground for black mould. Black mould releases microtoxins, a noxious substance that can cause serious health problems for humans and pets.