Maybe Mold Doesn’t Cause Bodily Injury or Illness
The Guidance for Clinicians on the Recognition and Management of Health Effects Related to Mold Exposure and Moisture Indoors (Guidance) is one of the most recent studies of the effects of mold in the environment and its effect on human health when combined with other causes.
The authors found that there is strong evidence that significant disease can result from dampness and fungi in the home or workplace Recognizing that dust mites in damp environments explain some of the relationship between dampness and respiratory symptoms.
The causal relationship between the damp environment and health symptoms, including respiratory symptoms, headache, fatigue, and recurrent infections, is less understood. Mold seems to represent part of the explanation. The Guidance focused its analysis on the effect of mold in the indoor environment and the relationship between exposure to mold and mold spores on occupants’ health.
After reviewing case studies, the Guidance reports that fungi can cause disease in humans and animals by a variety of biological mechanisms which can be classified into four groups:
- allergic or hypersensitivity reactions;
- irritant reactions; and
- toxic reactions.
In addition, the CDC found that a possible association between acute idiopathic pulmonary hemorrhage among infants and Stachybotrys chartarum (Stachybotrys atra) has not been proved. The CDC believes that further studies are needed. It is difficult, therefore, for any expert to support a causal relationship between exposure to mold, even the much maligned Stachybotrys chartarum, and illness in humans.
© 2020 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 52 years in the insurance business. He is available at http://www.zalma.com and firstname.lastname@example.org.
Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.
Over the last 52 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals.
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