Home Inspectors & Mold Reporting - Recommendations Proposed by Teresa McCormick Microbiologist

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Jun 13, 2009, 10:36:58 PM6/13/09
to Toxic Indoor Mold Central
In the state of Washington, there are no guidelines or laws, which
force home inspectors to report findings of mold. Due to this Teresa
McCormick who is a microbiologist for the United States Army has
suffered immense financial losses not to mention becoming very ill due
to the amount of mold, which went intentionally unreported when she
purchased her home. To this day home inspectors (except for a few)
argue and lobby against the reporting of mold infestation. Below is
what Teresa authored and proposed to her state legislators.
Unfortunately the corporate interests and inspector organizations
lobbied effectively against this proposal and to this date, no one
purchasing a house will be told if it contains mold.


Large amounts of mold in homes have been associated with infection,
irritation, allergy and toxic reactions amongst residents. This has
been recognized by both the EPA and OSHA. EPA has long recognized the
phenomenon of Sick Building Syndrome.
The percentage of the population possessing the HLA DR gene which is
associated with diminished ability to clear toxins from the body is
approximately 25 percent. The variants in the MET gene which doubles
the risk of Autism are found in 47 percent of the population. This
gene modulates the nervous system, gut and immune system. The
activity of the MET gene is affected by oxidative stress- the damage
one sees with excessive exposure to toxins. Environmental toxins and
the inability to clear them are associated with the 1000 percent
increase in autism. The steep rise in autism parallels the use of
Oriented Strand Board in homes beginning in 1979. OSB is tested for
off gassing of Volatile Organic Compounds when dry but not when
moist. Moisture almost always results in the growth of mold even in
the most expensive OSB used in homes.
CDC has delineated persons who are known to be more susceptible to
mold in their 2005 Post Katrina Report. These include adults over 65,
children under 12, pregnant females, immunosuppressed patients
including those with cancer, transplant patients, arthritis patients,
asthmatics and HIV patients. This growing portion of the population
would be unaware of large amounts of mold in their attics and
crawlspaces of the homes they purchase or rent unless reported by the
home inspector. The risk management idea that mold need not be
reported because it only affects a few sensitive people and the costs
to our major industries would be too great reeks of Social Darwinism
where we should not care about the minority or disabled. It is wrong
on the basic principles our nation is founded on and it is wrong that
it is only a few sensitive people. In some cases we do not know when
or if we might fall into one these groups, but surely we all realize
we will be, with any luck, 65 some day. RISK MANAGEMENT SHOULD BE
The WSDA mold guidance document for home inspectors is false. The
statement that mold and mildew do not cause structural concerns may
have been taken as a simple typographical error omitting the word
“surface” before mold except that the WSDA official overseeing home
inspections is currently teaching home inspectors along with Jeff
Morrell, who is also paid by the Wood Products Association, that mold
need not be reported on home inspections as there are no structural
concerns. The same WSDA agent overseeing home inspections is then
attending meetings of the American Lung Association and stating that
mold and mildew rots everything it grows on and is a hazard and needs
to be removed. These efforts to lessen the importance of mold by our
State match nationwide efforts. It is no coincidence that
Weyerhaeuser the largest builder in the Western States is located in
Washington and is the subject of a mold class action lawsuit. Their
concerns with mold first began in 2002 when many of their newly
constructed homes were found to fill rapidly with mold.
Physicians treating asthmatic or neurologically impacted patients are
fearful of speaking openly about the issue of mold and health for fear
of loosing grants, their medical licenses and their employment at
Universities funded by big industries. Most publications showing
associations between mold and health are published in Europe and
Brazil. These peer reviewed publications showing the dangers of
molds and mycotoxins exceed the publications by the PhD and MD group
associated with Veritox by a thousand fold or more, yet the Veritox or
ACOEM papers are flaunted nationwide where mold concerns are raised.
While the CEO of Weyerhaeuser was amassing huge amounts of personal
wealth to the tune of 13 million a year during the sub prime fiasco
enabling the sale of thousands of Weyerhaeuser shoddily constructed
homes to be sold, the cover up went on with the assistance of many
high powered legislators and governors, while others were apparently
kept in the dark. IT IS TIME FOR THIS COVER UP TO END. Our future is
at stake.
The Kingdom of Fungi consists of three basic groups the mushrooms or
basidiomycetes, yeasts and molds. Yeasts are single celled fungi that
reproduce by budding and molds are mycelia producing fungi that
reproduce both sexually by fruiting bodies and asexually by means of
conidia. Some fungi are dimorphic and produce both yeasts phases and
mycelial growth patterns depending on environmental factors. There
are many mycelia producing Fungi or molds that cause soft rot in
wood. One of the most common is Chaetomium. It was the most common
genus found in New Orleans both above and below the water level in
damaged homes after Katrina. There is no way a home inspector has the
means of telling this soft rot fungi or mold or other soft rot fungi
or molds from surface growing molds on a visual inspection. The
differentiation of these molds is performed by trained mycologists
using microscopic means. These organisms often grow totally through a
sheet of OSB, destroying the internal structure and strength long
before the white softened areas appear.
No proven causation and no standard does not equate with No Harm.
Many toxic and carcinogenic agents including alcohol and tobacco only
have an association with illnesses such as lung cancer, COPD, Asthma
and fetal alcohol syndrome. There is no minimum standard or LD50
associated with tobacco smoke, yet the precautionary principle has led
us to regulate tobacco out of public places and warn against alcohol
during pregnancy because of an association. Mold is a known trigger
for asthma. From the American Lung Association of

More than 5,000 people are hospitalized every year- more than 100
every week- as a direct result of asthma; more
than half the hospitalizations are paid for by Medicare or Medicaid.
About 48,000 adults with asthma make at least one emergency department
visit per year. 100,000 make at least one urgent visit to see their
doctors for worsening asthma symptoms each year. Direct medical costs
for asthma in Washington are about $240 million per each year. Youth
with asthma miss school because of their condition, and those with
more severe asthma symptoms are less likely to have high academic
achievement than youth with few symptoms or those without asthma.
About 120,000 Washington youth are currently affected by asthma.
Between 1995 through 2002, more than a thousand claims were paid by
state worker compensation funds for work-related asthma totaling $12
million. In total, asthma costs more than $400 million every year in
medical expenditures and lost productivity for the state.
Washington’s asthma prevalence has been identified by CDC as one of
the highest in the nation- both youth and adult prevalence are
significantly greater than national averages.

The chronic inflammation resulting from long term inhalation of mold
spores has an association with many other chronic conditions such as
thyroid, heart, liver, joint and kidney disease. Cytokine release by
macrophages which results from fungal exposure can cause goiter.
Chaetomium and Stachybotyrus are both associated with demylination of
the nerves and development of Multiple Chemical Sensitivity. Many
molds produce neurotoxins. The rate of Multiple Sclerosis is very
high in the northwest and Canada. Washington also sports the dubious
distinction of highest rate of death by Alzheimer’s disease another
neurological disorder. Toxicicological studies have demonstrated that
inhalation versus other routes of entry with trichothene exposure
tends to have greater toxicity at lower doses.

There are existing standards for reporting the amounts of visible mold
given by OSHA. These parallel reporting by New York City Standards.
Why is it that the standards exist for the workplace where mainly
adult brains exist for 8 hour periods while ignoring the homes where
the most vulnerable of neurological damage can occur in the developing
brains of children under 5 years of age exist for 24 hours per day?
Autism syndrome has been reported in approximately 25% of children
examined by Dr. Kaye Kilburn for toxic mold exposure versus <1% in the
general population of the same age group.
Mold victims are victimized twice. Not only are mold victims faced
with the huge financial burdens of health problems, home repair
problems but if they feel they have no other choice but to seek legal
help, they are again victimized by the legal system. Few victims
receive if they do reach a court room after long delayed settlements
enough money to pay for attorney’s fees and home repairs and medical
costs. Often they are left homeless with no means to pay for very
costly legal bills while their health concerns go untreated. The only
way to prevent this is by reporting mold when it is present so that
the consequences can be avoided and attorneys are not enriched at the
cost to the innocent.
The cost belongs to the seller or builder who is the cause of the
moisture problems either through poor maintenance or poor building
practices. It does not belong with the innocent purchaser of the
property or unknowing renter. Becoming ill should not be the first
indication that there is a mold problem. Although the State claims it
is the responsibility of the seller to report mold, the seller can
claim he never went into the attic or the crawlspace. The purchaser
who is relying on the standard of the industry in that most inspectors
are reporting mold has no idea he or she may or may not (at the
discretion of the inspector) be told about the presence of mold. THE
The present mold guidance policy which has been in existence since
March of 2003 and is little known in the real estate community or
apparently in the inspection community is counter to existing
legislation. Chapter 59.18 RCW Residential landlord-tenant act
Finding 2005c465: “The legislature finds that residents of the state
face preventable exposures to mold in their homes, apartments, and
schools. Exposure to mold, and the toxins they produce, have been
found to have adverse health effects, including loss of memory and
impairment of the ability to think coherently and function in a job,
and may cause fatigue, nausea, and headaches.
As steps can be taken by landlords and tenants to minimize exposure to
indoor mold, and as the reduction of exposure to mold in buildings
could reduce the rising number of mold-related claims submitted to
insurance companies and increase the availability of coverage, the
legislature supports providing tenants and landlords with information
designed to minimize the public’s exposure to mold.” [2005c465$1.]

It is not the concern for liability of the inspector or the protection
of the insurance company that the guidance policy was put in place.
What would be the larger suit, that of a harmed child or that of an
inspector who did erroneously report mold? The policy was put in
place to protect the Wood Products and Building Industry for the sale
of a known poor product and known shoddy construction and to prevent
the slowdown in the sale of homes. Protection of the inspector’s
liability is a ruse for surely reporting mold is a preventative
measure of what would be a much larger lawsuit. Expenditures for
medical insurance companies often occur for the remaining of the
victims lives through asthma care and other long term illnesses so
surely the cost to insurance companies can not be the reason for the
do not report mold policy.
A Home when it becomes uninhabitable is not just an economic loss like
a stock or bond. To the greater majority of Americans, when a home
is lost all the hopes and aspirations of that family is lost. The
children will not have a safe place to eat, sleep or study.
Grandparents are separated from their extended families at a time when
they need them the most. The dreams of saving for a college education
are lost not just because of health issues when children are
neurologically damaged, but because of the overwhelming burden of
legal fees, health care, repairs and remediation. Families are split
apart by economic crises and often blame each other. This crisis
means little to someone with a 13 million dollar income or seven homes
cared for by others.
Washington State has the dubious distinction of being the highest
state in the nation for breast cancer. Aflatoxins have been found to
induce malignant changes in human breast tissue. Cyclosporin (a
mycotoxin ) causes breast cancer in humans. Breast cancer has been
induced in rats exposed to T2 toxin of the mold Fusarium. Many of the
mycotoxins produced by molds found in moldy home are also used as
immunosupressants for transplant patients to prevent their own body
from rejecting transplanted cells or organs.. Patients living in
moldy homes are more prone to infections of all kinds be they
pulmonary or urinary tract infections. Surely the precautionary
principle alone here should allow that we report the presence of large
amounts of visible mold in areas not normally seen by habitants such
as crawlspaces and attics.
In the medical field we work by a few golden rules. One of them is
never with hold information from a Physician that could impact the
care of his patient.
Even where a policy or rule exists using this golden rule fills in the
blanks where common sense and empathy should prevail. If a patient is
on an antibiotic not normally reported by written rules, and if the
organism infecting his blood or spinal fluid is resistant to that
antibiotic, it is crucial that we immediately notify the physician.
Someone’s life is at risk. It is not much different in the arena of
the home inspection profession. Even if the State comes up with a
decision to protect big business interests over human life, it is
hoped the profession will side with empathy, common sense and justice
for their customers. Listening to the inspectors here I can only see
for the large part that does occur. Eliminating the conflicts of
interest such as realtor recommendations of inspectors will open for
all the ability to make these choices more freely. I only hope that I
have given what I can to an educated decision on your
recommendations. Thank you all sincerely for this opportunity.
Teresa McCormick


Jun 13, 2009, 11:02:27 PM6/13/09
to Toxic Indoor Mold Central
Teresa, Can I put this on my site? katy (Katy's Exposure) You have
made a couple of comments on my site and you are welcome to make as
many as you like.
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