FAQs
More FAQs- What is mould?
- What is a code or by-law upgrade?
- How does mould spread?
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.
A code or by-law upgrade is an upgrade that is made when your commercial property’s pre-loss condition no longer meets legal building codes. Your insurance company may recognize code upgrades in the estimation process. Any questions regarding code upgrades should be directed to your Insurance Adjuster.
For moulds to grow and reproduce, they need a damp environment and an organic food source, such as cellulose, which is found in many building materials such as wood, drywall, ceiling tiles, and other household materials such as carpeting and fabrics. Mould can also grow in a home’s HVAC system, gutters, roof, foundation, and other areas where the environment encourages mould growth.