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Best Practices for Mold Removal and Insurance

The Mold Cleanup Industry is quite unique and how mold is remediated differs from company to company. The Insurance companies like to place policy limits on insurance policies for mold cleanup. With that known, both the insurance policy limits and the cleaning of the mold are equally important for a covered loss. These losses must be mitigated properly to reduce further damage to the property.

Steps for Mold mitigation and Remediation

Identify the Cause Of Loss (COL):

Mold Removal and Cleaning must first address the Cause Of Loss (COL) and examine what caused the mold.

“Be cautious of a mold removal remediation contractor who will not address the cause of the moisture problems, and just wants to clean the mold.”

Pre-Mold Testing:

Environmental testing describes the nature and extent of existing mold contamination.  A mold spore test may be necessary if the type of mold is in question or there needs to be a clearance test performed post-remediation. A Pre-Mold Test will include a test of the affected area, an unaffected indoor area and an outdoor test.  The results will be compared to a post-remediation test for clearance.  The clearance test can determining if the mold spore count has been mitigated.

Containment Control:

Mold contamination needs to be physically removed from the structure in its entirety  The space that contains the mold needs to be encapsulated to inhibit mold spore growth and spreading of airborne mold particulates. The Containment likewise needs to be put under negative air to pull clean air into the space and exhaust the air to the outdoors with a HEPA air scrubber filter.


Other containment areas that need to be addressed:

  • Heating Vents
  • Return Vents
  • Dropped Ceilings
  • Attic Access
  • Stairways
  • Windows and Doors

Removing Materials Damaged by Mold and Water:

Determining what is salvageable is very important task performed by the mitigation company.

There is a saying in the insurance industry that goes “IF IN DOUBT, TEAR IT OUT!”

Rocky Mountain Restoration lives by this rule when it comes to mold damage and mold cleaning restoration. We remove all suspected areas of contamination to assure the health and safety of our clients. Rocky Mountain Restoration will comply with Colorado State Regulations for the removal of any suspect Asbestos or Lead contaminated materials. Samples of the suspect material may be sent in for testing.

Cleaning of the Mold

Minor mold growth from low-level exposure can typically be cleaned.  If the mold has deteriorated any material it is best to remove the material, but if we are capable of cleaning we will remediate and remove the mold.  Mold cleaning will be dealt with during  the encapsulation phase.

We will encapsulate the area and remove all visible mold.

  • All cleaning products will be disposed of without contaminating other areas of the restoration site
  • Apply antimicrobial agent to the mold contaminated areas (never apply a stain blocker to wet wood).
  • HEPA vacuum the entire area of mold contamination.

Chlorine Bleach?

First you must ask… “How does mold grow?”

Mold hyphae (root structures) which grow into materials like wood and drywall.  These roots are not killed by bleach  because these roots dig themselves into the porous construction material.  When bleach or any other spray solution is sprayed on a moldy surface the mold spores become airborne and spreads to other non-contaminated areas.  Bleach or other spray solutions will only clean the mold off the surface and will not penetrate into the material as necessary.

We practice the necessary and required techniques for complete mold removal and mold remediation.