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Hygienist Fry Offers New Book on How to Determine Age and Predominate Cause of Mold Growth

July 12, 2016

Certified Environmental Hygienist Phillip Fry announces that determining how old is mold in homes and commercial buildings is an important issue in mold insurance and legal claims, and that it is a key chapter in new 2016 book How To Win an Insurance Claim for Water and Mold Damage.


Montrose, MI, July 11, 2016 — “How old is mold growth and what is the effective, predominate cause of mold growth in homes and commercial buildings are key problems in making and defending water damage insurance and legal claims,” advises Phillip Fry, Certified Environmental Hygienist and author of the new 2016 book How To Win an Insurance Claim for Water and Mold Damage, which will be published on Oct. 1, 2016.

When mold began to grow is a key evidentiary fact in disputes between real estate sellers and buyers, landlords and tenants, and employers and employees. Fry has developed two effective strategies to determine whether mold growth in a particular building location is new or long-standing.

Another key evidentiary fact is to determine the effective, predominate cause (such as recent water damage) of mold growth, according to Fry, who is also a Professional Industrial Hygienist and webmaster since 1999 of the mold authority website

When the insured can identify an insured peril such as water damage as the efficient or predominant cause of resulting mold growth damage, there is often insurance coverage even if subsequent events in the causal chain such as ensuing mold growth are specifically excluded from coverage.

How old is the mold and what caused it to grow are issues that enable insurance companies to delay or deny mold insurance claims by insured property owners, with resulting “bad faith” liability by insurance companies who deny or delay unjustifiably payment for mold damage that been caused by water damage.

Insured homeowners argue bad faith because mold tends to develop and spread quickly, and it produces airborne toxic mold spores and mycotoxins (poisonous gases) that can seriously, and sometimes permanently, harm the health of some or all residents.

Insureds complain correctly that the mold would not have grown at all had the insurer quickly remediated the insured water damage, or that the mold growth became worse because of an insurer’s inaction or slow action. Prompt and efficient processing and payment of water damage claims should be the highest priority of insurance company adjusters. Failure to do so can lead to potential bad faith legal exposure and large payouts to insureds whose homes and personal health suffer from insurance company bad faith.

To buy Mr. Fry’s new book How To Win an Insurance Claim for Water and Mold Damage or to hire him as a water damage inspector and consultant for residences and commercial buildings in the USA, Canada, China, Hong Kong, Japan, Korea, Singapore, Malaysia, Thailand, Philippines, United Kingdom, and world-wide, email, or phone toll-free (USA and Canada) 1-866-300-1616 or cell 1-480-310-7970, or visit or

Phillip Fry
Certified Environmental Hygienist
10104 Sheridan Rd.,
Montrose, MI 48457
Phone toll-free 866-300-1616
Cell 480-310-7970 and

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