Independent Mould Assessment
Leak and flood damage can create damp environments that may lead to mould growth within the home or the workplace. The level to which this damage and mould remediation works are undertaken can have significant impacts on the insurer's financial obligation.
Greencap are experienced industry recognised experts in mould assessment and post-remediation verification. Unbiased, scientific and independent advice is given at each stage of an insurance claim process. Engaging Greencap can greatly assist with not only protecting the health and well-being of the insured (and contractors) but also mitigates loss (time, money, reputation etc). This can serve to prevent litigation and reduce settlement amounts on claims.
Assessment requirements are dependent on the nature of the insured event and insurer's preferred level of assessment. Greencap therefore offers a range of solutions, ranging from a simple visual assessment to a detailed technical review.
A Guide to Professional Mould Assessment & Remediation
A guide for property owners, managers and insurers to help protect occupant health as well as mitigate losses associated with mould contamination, based on internationally recognised best practice guidelines and standards:
Click to download
Scenarios for a typical domestic property
- Source of moisture ingress known; and
- Mould growth detected by owner/tradesperson repairing a single localised water leak (insured event); or
- Technical opinion required after a single localised water leak (insured event) - prior to mould growth being noted.
Independent Pre-Remediation Verification Assessment (Non-Destructive)
Scope of Work:
- Senior Environmental Consultant to arrange site inspection with insured/property occupier.
- Senior Environmental Consultant visual assessment of water ingress/mould – includes call out fee and 1-2hrs site inspection time.
- Basic moisture level measurements of accessible building structure/components within affected area.
- Letter report summarising the inspection findings and development of remedial scope of works in accordance with IICRC Standard and Reference Guide for Professional Mould Remediation.
- Assessment and scope of works to be presented in a letter report.
Independent Post-Remediation Verification Assessment (Non-Destructive) with Mould Surface/Air Sampling and Analysis
Scope of Work:
- As above with mould sampling to be undertaken. Relevant for sensitive sites (due to concerns from the insured/property occupier) and/or to establish baseline condition (to enable comparison purposes with a Post Remediation Verification Assessment).
- Additional Senior Consultant site time for the collection of up to four surface and/or air samples (conducted during the visual site inspection).
- Up to four samples to be analysed at a specialist laboratory for mould concentrations and identification (genus).
- Results to be compared to the Worldwide Exposure Standards for Mould & Bacteria - Assessment Guidelines for Air, Water, Dust, Ductwork, Carpet and Insulation (2010).
- Interpretation of mould results to be included in the letter report.
Scenario for a typical domestic property
- To be undertaken after mould/flood remediation works have been completed on a single localised water leak (insured event). Ideally to be undertaken prior to the commencement of reinstatement works.
Independent Post-Remediation Verification Assessment (Non-Destructive)
Scope of Work:
- Senior Environmental Consultant to arrange site inspection with insured/property occupier and remediation contractor.
- Senior Environmental Consultant visual assessment of remedial works undertaken to be conducted with the remediation contractor – includes call out fee and 1-2hrs site inspection time.
- Basic moisture level measurements of accessible building structure/components within remediated area.
- Collection of up to four surface and/or air samples (to be conducted during the visual inspection of remedial works).
- Up to four samples to be analysed at specialist laboratory for mould concentrations and identification (genus).
- Mould results to be compared to the applicable Exposure Standards.
- Letter report summarising laboratory results.
Independent Post-Remediation Verification Assessment (Non-Destructive) with Full Technical Report
Scope of Work:
As above with a full technical report to be provided. Relevant for sensitive sites (i.e. to alleviate concerns from the insured/property occupier) in order to ensure that the insured event remediation process and post-remediation conditions are fully documented. The technical report will include a summary of:
- insured event and remedial works undertaken;
- sampling methodology and rationale;
- baseline mould results if applicable (i.e. collected as part of Independent Pre-Remediation Visual (non-destructive) Assessment.
- mould sampling conducted as part of post-remediation assessment.
- a comparison of post-remediation mould sample results with baseline results (if applicable) and the Exposure Standards.