Will your insurance company cover water and mold damage?

Will your insurance company cover water and mold damage?

Most insurance companies have mold exclusions on their policies.  For example,  if you purchased a home and later down the road you found some old mold growth in your home that has been there for some time, you will most likely not be covered by insurance. But what they will cover is any active or very recent water damage known in the industry as a “common peril” that leads to mold growth which I will explain in this article. (more…)

Molds (Fungi) Are Parasites That Live Off Our Nutrients

Molds (Fungi) Are Parasites That Live Off Our Nutrients

“Parasitic fungi absorb nutrients from the body fluids of its host, and may produce specialized hyphae called haustoria that penetrate a host’s cell wall and lie against the plasma membrane, where they can both absorb food.” – University of Las Vegas

One of the key factors in treating a toxic mold illness is understanding exactly what various molds do to our bodies and how they affect the various nutrients, minerals, and vitamins that we humans need for optimum health.

Many people falsely assume that human parasites only consist of the many different worms that inhabit our bodies and can cause disease like tapeworms, roundworms, and pinworms. But the facts are there are many molds that are also considered parasites. (more…)

Toxic Mold: Weapons of Mass Destruction

Toxic Mold: Weapons of Mass Destruction

There is a big debate going on in the world of mold (fungus) that is tearing families, communities and people’s health apart. The debate is over a simple answer to the questions, “Is mold truly harmful to our health that it can cause people to get sick and possibly die or Is mold a harmless organism that does nothing to humans and people who complain that they are ill from its toxic effects are either lying and or crazy?”

Before I get into this extensive research below, the questions of the day to all the naysayers who think mold is harmless, are “If mold is not dangerous to humans, then why are militaries around the world spending millions of dollars in making weapons using mold mycotoxins to kill people?” And, “if mold is so harmless, then why is it used as a potent poison adopted by militaries for use in bioterrorism operations?” (more…)

American College of Occupational and Environmental Medicine Mold Policy Paper

American College of Occupational and Environmental Medicine Mold Policy Paper

In the world of mold defense and mold research papers, the American College of Occupational and Environmental Medicine (ACOEM) Mold Policy Paper titled, Adverse Human Health Effects Associated with Molds in the Indoor Environment, has been used by more defense attorneys to help deny health claims by people who have been exposed to toxic mold than any other.

It has been successfully used in countless lawsuits and it has been estimated that since it was first published in 2002, that it has saved insurers and workmen’s compensation funds hundreds and hundreds of millions of dollars in claims that were denied based on the ACOEM Mold Policy Paper. This paper has also caused defense lawyers and experts to earn millions of dollars in fees. (more…)

Candida albicans cost the health care system over $1 billion annually in the United States alone

Candida albicans cost the health care system over $1 billion annually in the United States alone

Candida albicans, which is a leading fungal pathogen of humans. Candida species account for 88% of all hospital-acquired fungal infections and cost the health care system over $1 billion annually in the United States alone. C. albicans is the primary cause of systemic candidiasis with mortality rates of ~40%, even with current treatments.” The Cowen Lab at the University of Toronto

Link: http://individual.utoronto.ca/cowen/styled/