Mold Myths


Insurance Claims and Mold Reality

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Get Rich Quick Thanks to Mold

Although there have been successful lawsuits, the days of multi-million dollar verdicts in insurance mold claims are probably disappearing.

As for the get-rich-quick mold remediation companies, they are finding that they must give real service or they will soon be visiting the bankruptcy court.

“Killer Mold” Exists

Despite alarmist headlines that pronounce “Black mold can kill you!” medical research has not been able to determine what amount of exposure to “black mold,” if any, is toxic to a normally healthy individual. [Article in the IEQ Review entitled “Indoor Exposure To Molds And Allergic Sensitization”] Nonetheless, there are several toxic and pathogenic species of mold that can have a severe acute or chronic effect on people, especially those whose immune systems are compromised.

Mold Can Be Killed with Bleach Alone

Although a 10% bleach solution is, in some cases, an effective means of cleaning up mold, it is not a solution. It is more important to determine why the mold is there in the first place. If the moisture and warm temperatures that facilitate the growth are not remedied, mold will return no matter how much bleach is applied.

The Existence of Mold Means There Is a Problem

Mold exists everywhere. It is an important component of the natural scheme of things. Once a baseline is established for “normal” quantities of mold, the property owner can be certain that there is no problem until the normal quantities are exceeded. Unfortunately, most self-proclaimed experts in the field have yet to agree on what is “normal.

© 2021 – 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 and

Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.

Over the last 53 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.

Go to the podcast Zalma On Insurance at;  Follow Mr. Zalma on Twitter at; Go to Barry Zalma videos at at; Go to Barry Zalma on YouTube-; Go to the Insurance Claims Library – Read posts from Barry Zalma at; and the last two issues of ZIFL at  podcast now available at


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