Mold is a problematic, quiet environmental risk that can often go unnoticed until it’s too late. The recent increase in natural disasters, including hurricanes and historic flooding across the US, has fueled rising concern among insureds with respect to mold coverage. However, water damage from a natural disaster leading to mold is not the only concern, or even the most likely concern insureds should be focused on. A far more likely scenario is a broken pipe that goes unnoticed or an HVAC malfunction that goes undetected. Given the right conditions mold can grow rapidly. High humidity and heat in the summer along with any of the perils aforementioned can lead to a situation that requires professional removal and remediation. Unexpected remediation of mold can be a costly and unwelcome expense for any commercial or institutional entity.