Foundation Cracks FYI

Whether you are just buying your first home, or have lived in it for many years, one of the things that can instill the most fear is finding cracks in the foundation of your home.

Even though they can look scary, we can help you determine the problem, and how to fix it.

The most common reason for foundation cracks is water. It can cause pressure in the ground soil, causing it to expand and contract, which in turn, causes cracking.

Some signs that show there is foundation damage are tilting or bowing. When a foundation wall is tilting, it means that the top of the wall is being pushed in by the soil pressure. This pressure can be caused by improper drainage that increases the soil pressure. When only a section of the wall is weakened, this is known as bowing. If the wall is made of concrete, the cracking will occur along the joint lines between the individual blocks. If you have “stair step” cracks in blocks or bricks, they can be temporarily repaired with epoxy putty, but it only stops water from coming in, not actually repairing the foundation. You need to fix the underlying problem. This is where a foundation repair specialist can help.

A foundation repair specialist, or CFRS, is different than a general contractor or a mason. The foundation specialist focuses only on the foundation, and has greater specialized education and knowledge of the problems from foundation cracks, and how to solve those problems effectively.

In addition to contacting a specialist, there are simple things you can do on your own to ensure a solid foundation. Make sure soil is graded, or sloped, away from the house – it should slope at least 6 inches for every 10 horizontal feet. Make sure gutters are in clean and working order to pipe away all gutter water. Replace water-thirsty landscaping within 5 feet of the walls with plants that need little water or install a concrete path around the house so rainwater can’t soak in that area.

Whether you have a crawl space, a slab, or a basement foundation, we have the knowledge and experience to ensure a dry, safe foundation for your home. For a free inspection of your foundation, please contact us at 888-665-3259, or complete our online contact form at We look forward to servicing you.

Why is Attic Ventilation Important?

Does your room feel chilly this winter, despite having the heat on? The problem may not be your heating system, it may actually be improper ventilation in your attic.

Attics are probably one of the most overlooked spaces in your home. Having a stable ventilation system in place provide year-round benefits such as cooler attics in summer and drier attics in winter, helping reduce energy consumption, helping to prevent ice dams, and less overall damage to the home’s structure.

There are a number of issues that can occur in your home if you don’t have proper ventilation.  In the summer, the air can cause the attic to reach temperatures of 140ºF on a 90º F day. The heat and moisture can cause damage to the roof decking and roofing shingles, which can cause deterioration. In the winter, heat can also escape from living spaces, causing appliances to work harder. In turn, your energy bill will be higher.

Ventilation works by creating a very specific type of air movement.  Air movement can be created either by natural (stack and wind effect) or by mechanical ventilation.  Mechanical ventilation, like fans and HVAC systems, relies on a power source. The system parts must be the correct size and positioned properly to prove constant airflow .

The stack effect occurs because hot air is lighter than cold air, so it rises. The air pressure in the upper parts of the attic increases, and the air pressure in the lower parts decreases. The exhaust vents are strategically placed near the ridge; the highest points in the attic, and intake vents are placed at the roof edge; the lowest points in the attic.

The wind effect works by having a wind-driven flow of air against and over a building’s exterior surface, creating areas of high and low pressure. High pressure causes air into the attic and low pressure pulls air out. A well-designed system requires the balance between both of these systems, and the correct placement of intake and exhaust vents to cycle unobstructed air flow throughout the attic.

We would be happy to help make sure your home isn’t wasting energy this winter by doing a free attic ventilation inspection.  Contact us at 888.665.3259 for an appointment today.


Five Ways to Improve Your Basement

Do you have an unfinished basement, but no plans on what to do with it? Here are some great tips to start toward creating more living space in your home, for little or no money.

1. Stop Playing “What’s That Smell?”

If you’ve been putting off examining your basement for musty or moldy odors, now is the time to take care of it. Get rid of areas of water or dampness in your basement by cleaning up standing water. Identify where cracks, holes, and leaks are, and call us to help you eliminate water and mold problems.

2. Designate and Delegate!

The hardest thing to do is to part with things you love. But once started, you’ll find that you’re loving the amount of room you have to work with even more! Separate items into four categories, Keep, Toss, Donate and Sell. Keep things that are meaningful and have a purpose in the new room. Toss broken or damaged items that can’t be repaired. Donate things you or your family have outgrown, like clothing and toys. Sell things in a town-wide yard sale, or online. Soon you’ll be on your way to a fabulous new space!

3. Light It Up

Since basements don’t get a lot of natural light, brighten things up with higher wattage bulbs. It’ll make the space less spooky, more functional, and help show off all the work you’ve done.

4. Plant One On Me

Think that plants won’t thrive in a basement? There are plenty of low-light house plants that can. Try a Chinese Evergreen or a Dieffenbachia, or visit your local garden center for more ideas. Adding plants to any room in your home can help with humidity and oxygen levels – and contribute to a healthier home.

5. Curtains and Throw Rugs and Paintings, Oh My!

Once you have a clean, dry, safe, and well-organized basement, there’s a lot you can do to incrementally improve the aesthetics. Consider differentiating work areas with paint colors and designs, using salvaged vintage doors to create a unique folding room divider, or just “shopping your home” to find accessories that will fit your new space.

The best part of revitalizing your new space is that you don’t have to do it all at once. With some clever ideas, sweat equity, and patience, you can create a much more comfortable and functional space ― without burying your budget.

I Have Mold in My Home! What Do I Do Now?

The winter months are one of the best times of year for molds to grow and expand because of melting snow, changes in humidity and temperature, and diminished sunlight. Molds are found everywhere inside and outside, and can grow on almost any substance where moisture is present. While it is normally found indoors at levels that do not affect most healthy individuals, it may produce an identifiable smell or common symptoms of exposure, like sinus congestion and coughing. People with asthma or infants may be more susceptible to the effects of mold. Taking steps to reduce mold in your home reduces or eliminates the new growth of mold, creating a more healthy environment. A professional experienced in mold remediation can address and correct these problems.

The most important factors in eliminating mold are moisture, food sources for the mold spores (dust, dander, etc.), and temperature. Mold generally does not grow in cold, dry environments. After a visual inspection, there may be a need to take samples to identify the type of mold present.

There are three types of sampling that can be performed: air, surface, and bulk sampling. Air sampling, the most common form, is where samples of inside and outdoor air are conducted, and the results of the level of mold spores inside the premises and outside are compared. Often, air sampling will provide positive identification of the existence of non-visible mold. Surface sampling identifies the amount of mold spores deposited on indoor surfaces (tape, and dust samples). Bulk sampling is the removal of materials from the contaminated area to identify and determine the concentration of mold in the sample. Once identified, a plan is drafted to address and eliminate mold problems in the home.

Once you have mold removed professionally, there are steps you can take to keep areas clear, and reduce chances of mold returning:

  • Clean and repair roof gutters on a regular basis so that moisture will not seep into the house from the gutters.
  • Keep air conditioning drip pans clean and make sure the drain lines are not being obstructed by anything so that it can flow properly.
  • Keep indoor humidity below sixty percent. If unsure of what the humidity level is in your home, purchase a humidity meter at any hardware store.
  • If you see any moisture or condensation, act quickly by drying the wet surface and find the water source so it can be avoided in the future.
  • Make sure your home has proper ventilation in the attic and basement, by way of things like attic fans, or dehumidifiers.

If you have a mold issue in your home, call us at 888-665-3259 for a free inspection, or visit this link to submit an online request:

 MoldBefore  MoldAfterSm
Actual homeowner before/after photos

Water Proofing Articles

$4.3M mold verdict buried in litigation

by steve mcconnell (staff writer)

Published: February 24, 2011

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Recent North Pocono News


A $4.3 million toxic mold jury verdict in October involving two homeowners, their ruined “dream” home, a North Pocono township and a private contractor remains buried in litigation.

More money, or a lengthy appeals process, could be at stake, according to recent court filings.

A 2002 Madison Twp. road project led to a lawsuit the following year that resulted in the multimillion-dollar verdict. The suit claimed the project funneled stormwater onto the two former residents’ property, spawning toxic mold inside their home and causing post-traumatic stress disorder.

In the aftermath of the jury award in Lackawanna County Court, an attorney representing Teresa Perrini and Theresa Koziell has filed motions for them to be awarded additional compensation – or delay damages – because of the length of time between when the suit was filed in 2003 and the trial’s end.

Attorney Nicholas E. Fick did not return calls seeking comment Wednesday.

The township’s attorney, Kathleen A. Walsh, requested oral arguments on the matter be held before Lackawanna County Judge Carmen Minora, who presided over the civil trial.

Informal talks among the parties with Judge Minora to finalize the verdict – including the issue of delay damages and to prevent an appeal to higher court – broke down in the daylong, closed-door negotiation on Jan. 10.

Efforts to reach Ms. Walsh and township solicitor H. Clark Connor also were unsuccessful Wednesday.

Township Supervisor Philip Setzer declined to comment

The jury levied 76 percent, about $3.3 million, of the $4.3 million against the township, and 24 percent, about $1 million, against the contractor involved in the project, Hanson Aggregates.

Ms. Perrini and Ms. Koziell, who could not be reached for comment, were awarded $3.4 million for past and future post-traumatic stress disorder and loss of life’s pleasures in the use of the property; and about $900,000 related to the loss of their property and medical expenses.

Mr. Connor has maintained the township will only have to pay $500,000 because of a state statute limiting liability to municipal governments in the event of such a civil claim, but that delay damages are not subject to the liability cap.

The township’s municipal insurance provider has offered to cover the $500,000 and delay damages if awarded, Mr. Connor has said.

Contact the writer:




The dangers of a damp basement can include health-related issues and deterioration to the structure itself. Having a wet basement can cause ruin to electrical fixtures, such as furnaces or air conditioners. It could also create rotted wood, which can lead to foundation damage. Mold often grows in damp spaces, which can cause respiratory problems, allergies, or prolonged flu-like symptoms.

A leaky basement can cause flooding to occur. An unusual amount of standing water in a basement could lead to the destruction of electrical components. Heating and air conditioning equipment that has been exposed to standing water could become unsafe to use, or inoperable. Appliances, telephones, and computer equipment might also be damaged when there is a flood.

Homes built on a basement may have wooden support beams overhead. These beams can become rotten when they are exposed to a great deal of moisture. For this reason, houses with a damp basement may experience support beam dePeeling paint or plaster can result from a damp basement. This is especially true in a leaky basement that tends to flood whenever there is a heavy rain. Basement wall damage can sometimes be detected by large cracks in blocks or paneling that appears to buckle. Paint or wallpaper may flake or peel, and also smell musty.

People who live in a home with a damp basement are often susceptible to a number of health issues. This is mostly due to the presence of black mold, which can form in a wet basement over time and is often difficult to detect. Breathing disorders, such as asthma, are often reported in people who have mold damage in their basement. Respiratory issues may be accompanied by an onset of allergies, which appear to be steady throughout the year rather than seasonal.

 Other times, people report flu-like symptoms including coughing, sore throat, and runny nose. When these symptoms are a result of mold in a damp basement, they tend to last for an extended period of time and do not typically respond to over-the-counter treatments. It is often difficult to determine whether the symptoms are a result of mold exposure or a virus.

People who are considering buying a home with a basement should the structure inspected to see if it leaks. That way, they will know if there is potential for foundation damage, as these repairs can be extremely costly. It can also be helpful in preventing sickness after the homeowner has taken possession have of the residence

Written by Misty Amber Brighton
Edited by Allegra J. Lingo
Last Modified: 15 February 2011

Mold Remediation Articles

Toxic Mold Sends Family To Motel For Two Years

4029 TV

ROGERS, Ark. — The ice storm of 2009 caused a variety of problems for a Rogers family, including mold that has now consumed most of their house. They’ve had to live in a motel for almost two years.

It’s been a back-and-forth battle for the Churchman family, from finding out their home was full of toxic mold to dealing with insurance companies and banks.

Now, they’ve been told to remove all of their belongings from the house, but being inside the house for too long could be lethal.

At first glance, everything looks normal, but when you take a closer look you’ll find mold covering just about everything in the house

“It got so bad that I started putting my toothbrush in the refrigerator at night, because id get up the next morning and there’d be black mold in it. It just wouldnt go away,” Elizabeth Churchman said.

The problem began in early 2009 and quickly forced Elizabeth and her husband John to move into a motel.

“I guess I’m better off than some people. I at least have a bed to sleep in, but after coming from a nice home and going to one room, how would you feel?” she said.

Elizabeth said that in March of 2010, their insurance company told them the house was safe to live in, but further testing still showed high levels of toxic mold.

“(Mold) is the number one killer, and any time you get that in your house,you can’t get rid of it. Thats the killer. The pennicillium, the clotusporum and the aspergillus. The aspergillus is what got in our lungs. It’s the reason were on oxygen,” she said.

It’s also the reason why they’re forced to wear masks every time they enter the home. After 30 years of living there, she says she hopes something can be salvaged.

“All my babies’ pictures are there. There are a handful of things can salvage, just a handful of thigs would mean a lot to me, more than losing everything,” she said.

The Churchmans said they don’t know where to go from here. They said the bank has given them 10 days to get out what they want, but every time they enter the house, it just makes them sicker.




Senate to take up bill on toxic mold

The bill would define procedures to report mold

Updated: Tuesday, 08 Feb 2011, 11:38 PM EST
Published : Tuesday, 08 Feb 2011, 11:38 PM EST

  • Danielle D’Andrea

PROVIDENCE RI (WPRI) – Legislation has been introduced in the Senate to regulate exposure to toxic mold in residential buildings, and to define procedures to report and remediate mold infestation.

The bill requires owners to inform any potential residents in writing about existing molds or chronic water problems. It also holds owners responsible for fixing these issues.
The bill creates an advisory board to help the Department of Health establish guidelines for allowable mold levels and procedures to remove the mold.
The establishment of the guidelines will be based on the health effects the mold could have on the public particularly those most susceptible to symptoms.
Mold becomes toxic when found in large quantities and excretes mycotoxin.
This can be absorbed through the skin, ingested and inhaled. Mold can cause problems such as respiratory issues, hemorrhaging, fatigue and cognitive losses.
Rhode Island is not the first state to pass legislation about toxic molds. California, Massachusetts, New York and Texas have already established safety measures.
The new guidelines will take into consideration the standards created by other states.
Senator Lanzi says “It is especially important that homes and residential buildings are checked due to the flood damage last year in Cranston, Warwick and other parts of Rhode Island. The water from the floods can lead to dangerous mold growth.”



Floods, mold, cancer, and the politics of public health
By Ritt Goldstein
Online Journal Contributing WriterApr 6, 2009, 00:26

It’s spring, and flooding is again making headlines; though, the ’sick building’ and mold issues inevitably following in flooding’s wake have become somewhat better appreciated. But disturbingly highlighting the imperatives of such awareness, recently published research has — for the first time — shown the high cost of what the sickness that comes of ’sick buildings’ can mean, with the potential for long-lasting disability now being a documented fact.

According to a ground breaking Swedish study appearing in The International Archives of Occupational and Environmental Health, 45 percent of so-called ’Sick Building Syndrome’ (SBS) victims — treated at hospital clinics — no longer have the capacity to work. Twenty percent of these sufferers are receiving disability pensions, 25 percent are “on the sick-list.” Emphasizing SBS’s devastating potential, the study warned that the possibility “of having no work capabilities at follow up was significantly increased if the time from (SBS) onset to first visit at the hospital clinic was more than one year. This risk was also significantly higher if the patient at the first visit had five or more symptoms.”

It’s unfortunate that knowledge of the serious nature of SBS has not emerged sooner. But, as highlighted by the US Department of Veterans Affairs during last Fall’s revelations upon Gulf War Illness, sometimes political and economic considerations affect health policy, leading to a serious health issue long being “denied” or “trivialized.”

‘Sick Building Syndrome’ — more precisely termed non-specific building-related illness — is typically a product of breathing indoor-air contaminated by mold and/or chemical toxins. Its symptoms can include: mucus-membrane irritation, neurotoxic effects, respiratory symptoms, skin symptoms, gastrointestinal complaints, and chemosensory changes. And while the malady has been increasingly seen since the 1970’s, when energy concerns led to the reduction of indoor ventilation by as much as two thirds, this study is thought to be the first occasion when the problem has been demonstrated as a chronic condition with environmental causes.

The study was performed by scientists at the Academic Hospital of the University of Umeå, in Northern Sweden, and was based upon locally derived data. But while differences in disability laws and culture may exist between any two nations, as the study strongly observed: “symptoms aggravated by environmental factors exist within this group of patients. The results support that early and comprehensive measures for rehabilitation are essential.”

While SBS manifests itself in buildings with poor design, construction, or ventilation, the majority of problems have been tied to moisture buildup, with potentially devastating mold issues typically arising from this. But even with the best of buildings, flooding means that areas such as New Orleans saw an explosion of cases in the aftermath of Hurricane Katrina.

Unfortunately, even problems more serious than SBS can occur through mold, the US Environmental Protection Agency’s (EPA) website explicitly warning that the inhalation of mycotoxins (toxins naturally occurring in some species of molds) has been reported to cause maladies that include cancer. Illustrating what this can mean, recent Swedish headlines shocked the Scandinavian Peninsula with news of just such a cancer outbreak.

Strömbackaskola, a high school in the Northern city of Piteå, was the scene of the cancer cluster. In the worst affected area, about 40 percent of the employees have been stricken with the disease, with the local paper headlining “The mold in the school is cancer causing,” a national headline reading “Mold in school gives teachers cancer.

Though the cancer cases began appearing years ago, and its cause was earlier investigated, it was only recently that ‘toxic black mold,’ Stachybotrys, was found in the affected areas.

Perhaps even more disturbing, while some claim tragedies like this are unforeseeable, others see them born of a misguided defense of past mistakes, with indifference, and even occasional tactics of intimidation, nurturing tragedy. No land is immune to the temptations of politics and economics.

While an American, I live in Sweden, and have for the last 12 years. Perhaps because Sweden isn’t a large nation, Swedes social activism, their relationship with their government, communities, and each other, is considerably stronger than that I once knew. But, despite this . . .

In an article published this summer upon Sweden’s ‘sick schools,’ in Scandinavia’s largest daily, Aftonbladet, I had emphasized that mold can indeed cause maladies ranging from asthma to cancer. But as early as 1997, Stockholm’s papers were already broaching questions of ’sick building’ related cancers, questions which seem to have been ignored.

At that time, Swedish toxicologist Tony Kronevi was widely quoted as warning of a potential ”cancer explosion” resulting from ”sick buildings in Sweden.” He specifically warned of problems with ”sick schools,” urging that people take ”this problem seriously. Now.”

It’s unfortunate that, despite such warnings, this past summer a Swedish government report revealed that those at the national level had yet to take sick schools ”seriously.” Just months later, in December, news of the cancer cluster broke.

Was this an instance of political and economic considerations affecting health policy, was a serious health threat long “denied” or “trivialized”?

Further highlighting what some here have termed ‘indifference,’ Swedish parliamentarian Jan Lindholm (Green Party) observed that, for him, it’s “totally inconceivable that the government shows no interest in finding out how over 20 people in a workplace (Strömbackaskola) came to be smitten by cancer.” He added, “this Government is the landlord’s government.”

Last Fall I interviewed one of America’s leading authorities on mold — Dr. Dorr Dearborn, Chairman of the Department of Environmental Health Sciences at Case Western Reserve University School of Medicine. Dearborn came to national attention in 1997, The New York Times headlining “Infants’ Lung Bleeding Traced to Toxic Mold,” a revelation he was instrumental in bringing forward. Though his findings and those of his equally courageous colleague, Ruth Etzel, became the subject of considerable debate, the EPA’s Children’s Health Initiative on Toxic Mold dutifully continues to warn: “A cluster of cases of acute pulmonary hemorrhage/hemosiderosis was reported in Cleveland, Ohio, where 27 infants from homes that suffered flood damage became sick (nine deaths) with the illness starting in January 1993.”

In the interim since his and Dr. Etzel’s findings, animal studies continue to provide ever added confirmation of their conclusions.

During the course of my interview with Dearborn, I asked what had occurred that took the momentum from the ‘sick building’ and mold reforms which many then saw on the horizon. Emphasizing he could just speculate upon what factors had earlier impacted America’s ‘mold debate,’ Dearborn spoke of ”pressure from industrial sources — insurance companies, etc — to ‘back off’ this problem.”

In Sweden, people have spoken of the “gigantic costs” addressing ‘sick buildings’ would entail, and this has led many to rationalize away inaction accordingly. Of course, the costs of the widespread illnesses and property damage associated with ‘sick buildings’ is thought to be even more substantive, though, far less visible and borne mainly by individuals, not business or government.

I won’t point out that discussion of isolated cancer cases associated with sick buildings has barely begun here. Nor will I speculate upon the fate of those living in places here like Herrgården, a large housing complex in Sweden’s southern city of Malmö’s Rosengård area, where — contrary to the Country’s ‘squeaky clean’ image — recent news stories revealed that half of the apartments are mold infested.

An interview with a number of Rosengård’s healthcare workers recently appeared in local media. The ongoing tragedy they described isn’t pretty.

Within the last twelve months, this nation of nine million has had at least three major residential housing scandals, each involving large numbers of families. And while roach infested slums have sadly now come to Sweden, two of the three scandals involved upscale developments — one was a community of villas on the Country’s west coast, the other was waterside condos in Stockholm.

The widespread failure to adequately enforce Sweden’s excellent safe-housing laws is an ‘open secret.’ Of course, in The States, the phrase ‘managed debate’ is used to describe the process through which better regulation of ‘sick buildings’ and mold is kept from becoming law.

Both circumstances have a cost, and public health has paid dearly. Is Sweden’s mold-associated cancer unique, or rather, is it unique only in that this instance of mold-associated cancer was so large that it could not be rationalized away, dismissed and ignored?

In a November article of mine — which was also published in Aftonbladet — I compared Sweden’s ‘sick building’ scandal to that of China’s melamine. Both scandals are the product of what have been described as ‘open secrets,’ but according to a 2003 Swedish survey, sick buildings are sickening a vastly higher population percentage than melamine did.

While our globe is currently witnessing the havoc which lax regulation and unconscionable behavior meant for the financial markets, is this but one indicator of something ‘deeper’? America’s ongoing prescription drug and food scandals, China’s melamine, and Sweden’s ‘sick building’ scandal — all suggest that our ‘crisis’ may be considerably broader than merely one of finance.

History has long demonstrated the high price of blind and ruthless ambition, a price which our world has perhaps only begun to realize it is now paying. Quoting Swedish parliamentarian Jan Lindholm, “totally inconceivable” well describes present circumstances.

We have a problem, a bad problem, and it has its causes. In example, Kronevi told me of a Swedish book he participated in on building issues, a book which might have started vigorous ‘sick building’ debate years ago. He also provided copies of correspondence highlighting how the text had been effectively suppressed.

Of course, a passage from that book noted that a number of Swedish cities, “have noticed an unusually high number of cancer cases connected to SBS symptoms,” with other passages equally interesting. What is also ‘interesting’ are others who have described abuses of power, the efforts to stifle critical voices.

In 2004, I interviewed a number of leading US scientific figures, doing so while writing an exposé series on the drug industry. One article, “Intimidation, Politics and Drug Industry Cripple U.S. Medicine,” contained several interviews worth revisiting.

Kathleen Rest, executive director of the Union of Concerned Scientists (UCS) — whose membership is comprised of much of the cream of America’s scientific community, including a number of Nobel laureates — told me of a “pattern,” a pattern of “politicizing or manipulating scientific advisory boards.” She also noted the UCS had found “evidence and cases of agencies manipulating or suppressing scientific analysis.”

Dr. David J. Graham, the courageous Associate Safety Director of the US Food and Drug Administration (FDA), separately added that “intimidation of scientists who threaten the status quo at FDA is routine.”

It was just this summer when a Swedish environmental researcher — who spoke only under condition of anonymity — told me that challenging the Swedish status quo on ‘sick building’ issues was almost like challenging the mafia. Other Swedes, from different perspectives, have spoken similarly. Leif Kåvestad — a former environmental inspector who received a personal award from the then Swedish Prime Minister, Göran Persson — is one of these.

Both Kåvestad and the researcher indeed described efforts aimed at intimidation, efforts sometimes undertaken by those pursuing self-serving denials of Swedish indoor-environment problems.

On a local level, Kåvestad spoke of how “community Health Departments often cooperate with the community housing companies and their consultants. Tenants which complain over sick buildings with health complaints are threatened . . . the parties together act like a mafia against the tenants.” And while speaking generally, he added he’s aware of this pattern at some of Stockholm’s ‘sick buildings’ and, as an ombudsman, has just taken the question before the Environmental Court.

Such circumstances do not appear limited to Sweden.

An SBS victim myself, I have just filed a civil suit against my landlord, Kopparstaden, a housing firm within the Swedish county of Dalarna. In 2007, my community’s health department declared the apartment Kopparstaden had recently rented me to be uninhabitable.

To this day, my health remains shattered — I suffer a particularly nasty form of SBS.

When I arrived here, as a newcomer to the community, the local ‘Integration Authority’ had offered me the flat. Though it had an unusual odor from the first time I saw it, I was told the odor would ‘disappear’ when I used the plumbing.

When I asked to see other apartments, I was told by the Integration Authority that the apartment was ‘fine,’ that there were no others, and, if I didn’t accept it, I wouldn’t be offered another and would likely not find any apartment on my own. Given the circumstances, and that I had no reason to then disbelieve the assurances I was given, I took the flat accordingly.

Later, laboratory analysis revealed “powerfully elevated” mold levels and “unusually high levels” of chemical toxins — such as chloroform — were in every breath I took. According to my physicians, virtually all of my belongings must be disposed of because of contamination, and my insurance policy — as with most insurance policies today — does not cover this kind of claim. However, Kopparstaden’s only compensation offer for my ruined property and shattered health was about a thousand dollars. I refused it.

It is difficult for me to reconcile the many instances I’ve witnessed demonstrating Swedish society’s honesty and integrity with the circumstances I describe.

While the US civil court system has awarded a number of ‘sick building’ and mold sufferers millions of dollars in damages, such things do not exist in this country — there are no punitive damages in this legal system, court awards are ‘minimal.’ And, despite such circumstances accentuating the need for robust enforcement of safe housing laws, the opposite appears to have occurred. But, this does well illustrate how the costs of ‘sick buildings’ — though extremely substantive — are today borne mainly by individual victims, not the businesses which provide the properties, nor the governments which allow them to continue doing so. Is today’s ‘crisis’ far broader than merely finance?

While many have called the widespread corruption and failure of regulatory authorities an ‘open secret,’ perhaps ‘national catastrophe’ may well prove itself a far better term.

Useful Links

SBS Study — 45 percent Disabled

“Researcher Seeks Truth About ‘Katrina Cough’”

EPA Mold Warnings — See “Mold Toxins (Mycotoxins)”

NIOSH Study Linking Mold with Cancer and other maladies

The New York Times — “Infants’ Lung Bleeding Traced to Toxic Mold”

EPA — “Children’s Health Initiative on Toxic Mold”

Inside Edition — “Did Mold Cause Ed McMahon’s Life-Threatening Cancer?”

“Intimidation, Politics and Drug Industry Cripple U.S. Medicine”



Condos That Try To Kill You And Take All Your Money

Gary Lucido on 02.02.11 at 7:07 AM | 27 comments |

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Every home buyer worries and most of these worries fall into one of two buckets: either buying a money pit or suffering from declining value. And most of these buyers do enough due diligence to avoid these problems. But what would happen if you did all your due diligence and bought a solid home but then the game changed? What if your worst nightmare came true and your condo tried to secretly kill you and take all your money and then your association board turned against you and made your life even more of a living hell?

Well, that’s exactly what happened to Brad Wells and his nightmare started in 2001 and he still hasn’t woken up from it. I had heard this story before but I didn’t remember Brad’s name when he called me earlier this week but after a few minutes I said to him “Oh, you’re that guy!” Brad reached out to me after finding his 180 unit condo building, 1000 W Washington, at the top of the No Lend List I published a while back. The reason it’s at the top of the list is because of all the problems that Brad had with his unit, the building, the condominium association, and the resultant lawsuits. Brad is trying to draw attention to his cause.

Curbed Chicago covered Brad’s saga in a post entitled Help! My Condo Is Killing Me, which reads like an episode of House. In short his problems began with blisters, headaches, night sweats, and coughing. Eventually he progressed to vomiting, shortness of breath, and a cracked and bleeding tongue. It wasn’t until 5 years later that he started to connect the dots. His condo association had engaged a contractor to make repairs to the roof and masonry. The work was allegedly shoddy, done without the proper permits, was in violation of the building code, and water leaked into Brad’s apartment. After testing for mold Brad discovered that the levels were off the charts – literally. Brad moved out of his condo, was treated for his condition, and eventually recovered.

Brad sent me some photos to corroborate his story and I have added them to a slideshow at the bottom of this post – with the exception of the photos of blisters on his hands, feet, and chest. I decided that those might be a bit too much for general audiences. Have you ever seen a dermatology text book?

But the story doesn’t end there. 6 years of constant illness took a toll on Brad’s career. Brad tried to get his association to remedy the situation but he met with stiff resistance. Multiple lawsuits were launched because Brad wasn’t the only one affected by the mold. Insurance companies got sucked into the skirmishes. The city of Chicago is involved. Insurance companies are suing the building and the board members. The building is even suing several unit owners, including Brad! It is such a bowl of litigation spaghetti that I don’t know how the courts will ever sort this out.

And because the association did not remedy the situation in a timely fashion several condo owners simply walked away from their units. Brad wasn’t so lucky as to be able to stick a bank with his loss since he paid cash – something he now regrets.

Brad’s story is pretty darn credible because he backs up all his claims with a plethora of documenation which is available at a special Web site he has created to expose the lawsuits at 1000 W Washington. Why would he go through all the trouble of creating this elaborate Web site? Because he can’t get no satisfaction.

Just to give you an idea of how bad things are at 1000 W Washington let me highlight a few of the gems that Brad highlighted for me:

  • He believes that the association is currently in default on a loan they took out.
  • He has an extensive list of all the building code violations with supporting documentation
  • As you can see on the Circuit Court’s site these building code violations have not yet been addressed and the next court date is set for April 6.
  • Those building code violations also include rotting beams that need to be repaired/replaced.
  • As you can see in that previous link the city of Chicago imposed a fine on the building of $4000 per day on May 21, 2008 that is still accruing. On that basis alone the association owes the city close to $4 MM.
  • According to Brad the fine was raised to $6000 per day on October 21, 2009. 
  • Brad has even more stories about the behavior and incompetence of various individuals closely involved with this matter but of course none of those are as easily verified as the facts above.

In total, Brad estimates that it will cost the building $5 – 7MM to address all the issues.

But the story doesn’t end here either. You see, 12 units have sold in the building in the last year. How is that possible? Who would buy in such a building? Well, it would certainly appear that some realtors – even some top producers (perish the thought!) – have been less than forthcoming regarding the issues with this building, in clear violation of the Illinois Real Estate Act. Even now current MLS listings are misrepresenting key facts. For instance, several listings in the building state that the building has over $1 MM in reserves and the building is FHA approved. But if you look at the June 30, 2010 balance sheet on Brad’s site you will see that their liabilities recently exceeded their assets by close to $1.5 MM – and that doesn’t even count the potential liabilities from the lawsuits and the city fines. How can they claim a $1 MM reserve? Brad correctly calls this Enron accounting. And as for the FHA approval…you can see that the FHA approval was withdrawn on November 24 due to significant pending litigation. But that begs the question of how the FHA approval could have been issued in the first place given that the property manager/association has to fill out a questionnaire that plainly asks about current lawsuits. Hmmm. Could someone have lied?

Does anyone else know of any other condo horror stories like this one?

Read more:

NJ man finds black mold as the source of his illness

Published: Wednesday, December 22, 2010

The Philadelphia Inquirer

WASHINGTON TOWNSHIP, N.J. (AP) — The South Jersey medical examiner had a hunch that something lurking in his house was slowly killing him. Was it mold in his basement? Contaminated drinking water?

Or could it be little Dinky, Gerald Feigin’s innocent-looking but constantly shedding Chihuahua-terrier mix?

Until now, Feigin wasn’t sure.

For the last 18 months, the pathologist alternately slept in his backyard tent (with a heater) and a rented condominium while he tried to figure out why he continually felt like there was a “knife twisting in my gut.”

Feigin recently returned to his home in Washington Township, Gloucester County, and was reunited with his wife and teenage son. His first suspect — black mold — was finally discovered, buried behind insulation in his hobby-filled, partially finished basement.

Previous consultants had ruled out mold and its byproduct, mycotoxins, but they were dead wrong, Feigin now says. His backup theory – an allergy to Dinky – also proved false.

“It wasn’t the dog. . . . He could have had some mold on him,” Feigin said, explaining why a red bump appeared on his skin when he injected himself with a bit of Dinky’s fur. He had considered giving Dinky away if he didn’t get answers soon.

“I think I was looking for an excuse, a reason,” after several contractors, mold-abatement specialists, and environmental consultants discounted mold as the cause of his illness, he said. One contractor even drilled holes into his stucco walls and couldn’t find it.

Feigin, 55, who has testified in numerous murder trials in Camden, Gloucester, and Salem Counties during the last dozen years, is relieved his personal odyssey is over. He had consulted seven specialists, and many concluded it was a rare allergy. Each morning when he awoke in his house, he would have upper gastrointestinal tract pains that lasted all morning.

Feigin has been back home for a few weeks and says he feels much better. “I can go in the basement and start my woodworking and shining and polishing my rocks,” he said. The cost of the investigation and cleanup was about $20,000 and covered a slew of environmental tests, dehumidifiers, and eventually the mold remediation. Half was reimbursed by his insurance company.

In fact, it was Feigin’s insurance adjustor who spotted the mold.

Workers spent a week tearing down the wallboard and insulation and scrubbing the cinderblock with a mold detergent. Finally, the walls were water-proofed, and the ducts were sanitized.

Many people mistakenly think that all they have to do is use bleach to kill mold, said John Cucinotta,. But detergent is needed to kill 100 percent of the mold.

Finding mold can involve a good bit of detective work, said Cucinotta, who usually spends hours hunting for it.

“In closets where the walls weren’t Sheetrocked, we used cameras” to find the black mold that plastered a 10- by 15-foot section of Feigin’s front basement wall, he said. He also found troublesome white powdery mold on the joists. He inspected the crawl space and identified the problem: downspouts that were not diverting water away from the home.

Feigin’s earlier consultants did not find mycotoxins, or mold byproduct, because they are airborne and scattered throughout an area, said Cucinotta, who has been in the business 42 years.

“People should just locate the source – the mold – and not bother with all the testing,” he said.

Feigin’s wife, Jane, a paralegal, is thrilled the ordeal is over, she said. From the beginning, she had suspected mold but was continually told that it was something else. She purchased bottled water, replaced a refrigerator that she suspected did not keep the food cold enough, installed new carpets, and fastidiously cleaned the basement.

“Thank God, I feel vindicated,” she told the insurance adjustor when he informed her of the findings

Her advice for other people worried an illness might be linked to something in their home? “If you have a nondescript medical problem that you can’t put your finger on, start with a list – and it can be a very long list,” she said. “Then start eliminating things.

Time to acknowledge the MSK mold problem

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January 27, 2011 2:00 AM

Residents of Kennebunk and Kennebunkport might learn a thing or two from their neighbor to the north, Biddeford, where a heated battle is being waged over reports of mold and dust in Biddeford High School.

Like the Middle School of the Kennebunks in RSU 21, Biddeford High School has recently become the subject of headlines because of the mold and water damage, as well as dust that appears to be from construction work being done at the school. Repeated tests have shown the presence of mold spores in both schools.

There is a key difference in how these stories are playing out, however.

In Biddford, parents are outraged.

In Kennebunk and Kennebunkport, it seems as if no one has noticed.

The fight to the north really started to heat up this fall, when two parents — one of whom is a member of the Biddeford School Committee — complained that their children were sick because of the school. Two classrooms in the building were closed and cleaned, and the school has since undergone repeated air-quality testing.

While school officials have said the air quality reports have not been dire enough to warrant the closure of the school, parents have begun to take matters into their own hands. They’ve shared their outrage at public meetings and have even started a Facebook page, “Petition to Remove Sarah Jane Poli from Sup. Int. Position,” where they have posted calls to action while meeting to complain about the situation and School Superintendent Sarah Jane Poli.

The outcry has risen to the municipal level, with Biddeford’s mayor becoming involved. Whatever the outcome, it is refreshing to see parents gather and rise to take action out of concern for their children.

Meanwhile, in RSU 21, the mold problem at MSK has festered for years. Pages and pages of reports document the water and mold problems at the school from even before it opened. In December 2009, more than 60 middle school staff members signed a letter sent to Superintendent Andrew Dolloff demanding they be removed from the school for health reasons, and in December 2010, they asked for either the school to be closed and repaired or for portable classrooms to be brought in.

School officials are indeed talking and acting on the mold problems, and they continue to do so, but noticeably absent at the table are parents.

We’re not sure what it takes to raise the concern of middle school parents in RSU 21. We certainly know the seeming lack of interest isn’t because parents don’t care — proposals to cut arts or sports programs, or to close an elementary school, bring out parents in droves. But with budget season upon us once again, the elephant in the room is the middle school. We hope local parents will take a page from their neighbors in Biddeford and take a little notice.

— The Coast Star

Mold: Fighting the fungus among us

Published: Saturday, January 29, 2011, 3:00 AM     Updated: Saturday, January 29, 2011, 12:16 PM

 By Gloria Wright



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The huge icicles hanging from your eaves may be a warning sign.

“As the icicles melt, they can penetrate the roof, and that’s instant mold,” said microbiologist Lloyd Osgood.

Molds are everywhere — always have been. Early records of problems with mold appear in the Bible, in the Old Testament book of Leviticus.

Molds are part of the natural environment and are needed to break down leaves, wood and other plant debris. Wine, beer, cheese are fermented by mold. Penicillin is derived from the Penicillium mold.

But inside a house, school or apartment, mold can damage wood, ceiling tiles, wallpaper, paints, carpet, sheet rock and insulation.

“I think a lot of people would like to say, ‘It’s just mold, wipe it off. That’s one attitude. The other end of the scale might be someone who goes nuts when buying a home and sees mold,” Osgood said.

Molds can be allergens and cause allergic, asthma-like symptoms. They can also be toxic.

Although the Centers for Disease Control says the term “toxic mold” is inaccurate, some molds can produce mycotoxins that can cause health problems, ranging from short-term irritation to death.

In its final report in December, the New York State Toxic Mold Task Force concluded that in many cases, it’s difficult to say for sure which molds are toxic, according to task force member Jianshun Zhang, professor and director at Energy and Indoor Environmental Systems at Syracuse University.
Recommendations from the CDC:

Keep humidity level in your house between 40 percent and 60 percent.

Use an air conditioner or a dehumidifier during humid months or if your basement is damp.

Be sure your home has adequate ventilation, including exhaust fans in kitchen and bathrooms.

Use mold inhibitors, which can be added to paints.

Clean bathroom with mold-killing products.

Do not carpet bathrooms.

Remove and replace flooded carpets. Osgood said he knows at least one mold that’s toxic.

“Stachybotrys is toxic. It can kill you. I’ve seen molds do horrible things to people’s health,” Osgood said.

Stachybotrys, a greenish-black mold, “is just the genus, there are over 30 different species of stachybotrys,” said Allen Spencer, president of Applied BiomassFerm Technologies, which specializes in indoor air quality.

“You can’t tell by color. You have to see it microscopically.”

In general, stachybotrys is heavy and sticky and not easily airborne, he said. Requiring a longer exposure to water than other molds, it’s most often seen after floods, like those that occurred in New Orleans after Hurricane Katrina.

Mold enters a building as tiny spores. The spores need moisture to grow and can grow on almost any surface.

“Mold will grow on anything,” Osgood said. “Even cinder blocks, which hold lint or dirt in nooks and crannies.”

Spencer said mold can grow on polyvinyl chloride, or PVC, pipes.

“Microbes are very resourceful,” he said.

If you get water in your basement, you will get mold, Osgood said. Even a pinhole size leak in a toilet or sink can lead to mold.

“Mold likes that size the most,” Osgood said.

“Mold comes from water. If water is leaking out around a gasket and hits an organic material, like a hardwood floor, it will produce mold.”

It’s important to keep on top of home maintenance to make sure your house is dry, he said.

“Any time you see peeling paint, get right on it,” he said. “Or a $200 job becomes a $2,000 job.”

Mold can grow quickly.

“Water damage, if not taken care of in 48 hours, can lead to mold,” Spencer said. “The first 48 hours is critical. After that, it’s off and running.”

To find mold that may be growing in your home:

Search for moisture in areas that have a damp or moldy smell, especially in basements, kitchens and bathrooms.

Look for water stains or colored, fuzzy growth on and around ceilings, walls, floors, windowsills and pipes.

If you smell a musty odor, search behind and beneath materials, such as carpeting, furniture or stored items.

Inspect kitchens, bathrooms and basements for standing water, water stains and patches of out-of-place color.

If you suspect you have mold, scrub it with Clorox, Spencer said. “If it comes back, you probably have a mold problem,” he said.

If you do, it’s important to find out what kind of mold you have, and how much, he said. Get a qualified expert to test for elevated mold spores.

“You have to err on the side of caution,” he said.

Contact Gloria Wright at 470-3024 or send e-mail to


 New York Times

Melinda Ballard parks her cream-colored Jaguar next to her deserted dream house in Dripping Springs, Tex. — a house she fled more than two years ago, leaving dirty dishes in the sink and unopened mail on the counter. Popping open the Jag’s trunk, she pulls out two portable respirator masks. ”These won’t screen out all the mycotoxins,” she warns as she tosses one to me. ”That’s the dangerous stuff, so we’ll only stay a few minutes.”

I follow as she wades through the strawlike remains of what was once a manicured garden, past the abandoned pool, the empty hot tub and the exquisite leaded glass that frames the front door. A sign on that door warns that we should really be wearing full Tyvek biohazard ”moon suits” too, but this is a Texas summer, and we would probably die of heatstroke before the mycotoxins could get us. So we each fit a heavy black contraption over our noses and mouths, pull the elastic tight to form a seal and snap on our rubber gloves.

Warning: Reading this story might make you sick. Not as sick as Melinda Ballard and her family, who began coughing up blood and suffering memory loss while living in this 22-room, 11,000-square-foot mansion. But it could make your skin itch and your throat hurt, and you could start to cough. Then you will wonder whether there is toxic mold growing in your house, too, and whether you should pay someone a great deal of money to come find out.

That is the thing about toxic mold. Many of its symptoms are documented and real, but it can also be spread by suggestion and word of mouth. And lately, the slimy black growth, with names like Stachybotrys chartarum, Aspergillus and Penicillium seems to be everywhere — in stately homes and housing projects, courthouses and libraries, factories and schools. One California lawyer alone is handling mold complaints for 1,000 clients. A physician in Reno, Nev., has evaluated or treated more than a thousand patients suffering from toxic-mold exposure. And in Texas, where the warm, wet climate is a perfect breeding ground, mold claims appear to have more than doubled since last year — just the beginning of what is shaping up to be a very expensive epidemic.

Melinda Ballard’s house has become an emblem of the mold invasion. There is as much mold here as anyone has ever seen. The place is Exhibit A for lawyers, a how-not-to guide for homeowners, a business handbook for contractors and an ongoing nightmare for insurers. As we walk in through an unlocked side door (”Who would be stupid enough to come in and steal anything?” Ballard says) this dream home certainly looks like a nightmare: the House That Mold Ate.

Armies of inspectors have been through this house in the more than two years since Ballard, her husband, Ron Allison, and their son, Reese, now 5, left. The investigators cut square holes in nearly every wall, then removed the Sheetrock to reveal a coating of mold hiding on the other side. It is thick and black and gangrenous, with a dull, powdery sheen that makes it seem waiting and alive. Just looking at it makes you want to throw up. Each colonized square of Sheetrock has been sealed in plastic and tacked on the wall whence it came, for future reference. As a result, the house feels like a mad scientist’s lab, with plastic bags of mold wherever you turn — near the sweeping Tara staircase in the front hall, interrupting the hand-painted murals on the walls, next to a portrait of Ballard in regal jewels and finery, behind the Erector set in Reese’s bedroom.

We stay for less than 10 minutes, but it is long enough. As we pull back down the endless driveway, my mouth feels dry, my throat aches and I am dizzy. Or maybe it’s all in my head.

Moldy homes have been around since biblical times. Mold may even explain many of the plagues, if you accept that the crops had to be brought in early to escape the hail and locusts, meaning wet grain was stored in stacks when the darkness came, creating perfect breeding grounds for mold. The pampered firstborn sons may have eaten the top layer, and the toxins in the moldy grain could have killed them. In Leviticus 14:33-45, the Lord tells Moses and Aaron how to rid a house of mold. First ask a priest to inspect it. Then scrape the inside walls and throw all contaminated materials in an unclean part of town. If that doesn’t work, the house ”must be torn down — its stones, timbers and all the plaster.”

”That’s exactly what we do today, except we skip the priest part,” says David C. Straus, who, as a professor of microbiology and immunology at Texas Tech University Health Sciences Center, is a 21st-century version of a mold priest. The molds that Straus and others try to exorcise are everywhere. There are thousands of varieties, found in every region of the country, including the wildly different climates of Alaska and Hawaii. Virtually every breath you take contains mold spores, and although some people are more allergic than others, for most of us this is not a problem.

Indoors, the drama begins when the spores encounter steady and significant amounts of water, commonly in the form of a roof leak or an unnoticed burst in a pipe. Add a cellulose-based material — the wallboards that modern homes are made of and older homes are renovated with turn out to be the perfect snack for multiplying mold — and things get worse. ”These organisms go, ‘Aha, I’m going to grow from a few spores on the surface to a colony that can be seen by the naked eye, containing hundreds of thousands or even millions of spores,’ ” says Linda D. Stetzenbach, director of the microbiology division of the Harry Reid Center for Environmental Studies at the University of Nevada in Las Vegas.

This in and of itself is not necessarily a problem, either. Most molds, even multiplying ones, are relatively harmless, and most people won’t have a strong reaction to them (unless they’re allergic). But there is mold, and there is mold. Exposure to certain types of fungi, known as toxic mold, can cause a serious reaction. If you’re unlucky, this is the kind of mold you have. If you’re really unlucky, your toxic mold will gird for battle and go to war, secreting chemicals called mycotoxins, which can find their way into your body, entering through your nose, mouth and skin, lodging perhaps in your digestive tract, your lungs or your brain. Among these toxins are trichothecenes, which were rumored to have been used as a biological weapon during the wars in Afghanistan and Vietnam. They turned out not to be very useful as weapons, however, because they poison slowly and erratically. That was small comfort to Ballard, however, when the stuff was found throughout her house.

Nor is she comforted by the fact that these molds are not really attacking humans. We simply get in their way. Their real targets are plants and other fungi that compete with them for water and food. ”They’re just doing what nature programmed them to do,” says Stetzenbach, sympathizing with the mold she studies. ”If they can keep other organisms from inhabiting their space, then they get all the nutrients.”

One of the first human soldiers in the mold wars was Bill Holder, who was trained as a mechanical, electrical and plumbing contractor and whose first encounters with mold were inside air-conditioning systems. Back in 1987 Holder received a frantic call from a former customer who owned a $55 million hotel that was rife with mold. As a favor, and because no one else seemed to know what to do, Holder gave it a try.

Within a few years mold was his specialty. He was certain that these micro-organisms were responsible for serious health problems because ”every time we were called to a building it was because people were getting sick.” But then, as now, he could find no irrefutable medical data to confirm his belief. In 1995 he sold his contracting business and eventually formed Assured Indoor Air Quality, a company created to tackle mold problems. One founding partner was a former school administrator, so the group began working on mold-infested schools, and has evaluated or cleaned out (the term of art is ”remediated”) more than 1,000 in the past six years.

Along the way Assured Indoor Air Quality awarded research grants to scientists, and one went to Straus at the Texas Tech University Health Sciences Center in Lubbock. On April 1, 1999, Holder was flying to a meeting there. The front rows of seats faced each other on Southwest Airlines , and a thin, no-nonsense businesswoman sat across from him, on her way to Arkansas for a meeting of her own. They got to talking during the flight, and the woman complained about the parade of contractors and inspectors marching in and out of her house. As she talked, she coughed, and her Kleenex showed chunks of blood.

”Excuse my asking,” Holder said, ”but have you by any chance had a leak in your house?”

The woman was Melinda Ballard, and yes, she had most certainly had a leak. ”You’re talking to Noah about the flood,” she told Holder, because that’s the way she talks. She also swears as easily as she speaks, has no patience for anyone who doesn’t work as hard as she does, will insult you to your face if she thinks you’re trying to ”bamboozle” her and was warned by one lawyer before her mold lawsuit went before the jury that she had to practice being a ”dutiful Southern belle” because men on the jury ”would be thinking, God, I would hate to be married to her.” (She fired that lawyer.)

Raised in wealth, Ballard made her own fortune in advertising and public relations in New York and moved to Dripping Springs in 1990. Fancying herself a cowgirl, she bought two cows named Jethro and Ellie Mae and lived with them and a herd of deer on 73 acres. In 1994 she married Ron Allison, an Austin investment adviser, who was as ambitious and hard-driving as she was. Their son, Reese, was born in 1996.

When Reese was 2, the house had a leak, which Ballard and Allison paid a plumber to repair. It seemed so inconsequential at the time that they did not even report it to their insurance company. A few months later the hardwood floors around the house began to warp and buckle. Ballard then filed a claim with Farmers Insurance Group . She and the company exchanged a number of letters on the subject of the floor, and one of those, to Theresa McConnell, a claims representative, read: ”Molds and mildew are trapped underneath the floor and will escape into the house once the foundation is exposed. I would like for every effort to be made to ensure that the molds/mildew do not ruin furniture, carpets, etc.”

This was the first mention of the word ”mold.” After much arguing over the cost of the repairs, Farmers paid Ballard well over $100,000 to fix a variety of things related to leaks. As Farmers wrote check after check, it also pursued ways to stop writing them. Asserting that Ballard was ”underinsured,” the company held some money back as a result. Ballard then accused Farmers of stalling because it did not want to reimburse the whole of such an expensive claim, an allegation the company denies.

Meanwhile, Reese Allison developed asthma. Melinda began having dizzy spells. The family visited a variety of doctors a total of about 50 times over a three-month period. Ron Allison had the strangest symptoms. He would forget simple things like where he’d left his credit card or where he’d parked his car, or even what kind of car he owned. His co-workers would find him at his desk looking as if he were in a trance.

But mold was not mentioned again until March 1999, when a Farmers investigator, who was in the house to inspect the source of damage to the kitchen floor, pulled back the refrigerator and revealed a wall that was shockingly slimy black. A month later, Ballard met Holder on the plane. ”I think I might know what’s causing your problems,” she remembers him saying, then he offered to provide her with a list of home contractors who might help.

Ballard did not want anyone else’s name. Holder was the first person she had met who seemed to know what was happening to her house and to her family, and she wanted him to help. He explained that his company worked only on schools and on commercial buildings. She went home and did some research. ”You’re remediating the governor’s mansion; that’s a house,” she told Holder by phone a few days later. The fact that Laura Bush was showing symptoms of mold sensitivity (Holder located the source in the air-conditioning system) was supposed to be a secret, but Ballard had connections and was not used to taking no for an answer.

Four days after their serendipitous plane ride, Holder visited Ballard in Dripping Springs. ”I looked in a few places I’ve learned to look,” he says — under an undisturbed board in the dining room, inside a crawl space beneath the stairs — and found more pockets of mold. Two days later, tests showed that mold to include Stachybotrys and Penicillium, and Holder advised further tests. In the meantime, Ballard and her family moved to a nanny’s apartment next to the garage.

The insurance company sent an investigator to collect its own air samples, and Ballard hired Holder, who brought along two other experts, including David Straus, to help conduct additional tests. Straus barely lasted 30 minutes. ”Walking into that house was one of the biggest mistakes I ever made,” he says. ”None of us were wearing any protection. I was standing on that Tara staircase, and all of a sudden I didn’t feel very good.” Straus spent the next four hours lying in Holder’s truck, crawling out only to vomit. He also lost 25 percent of the hearing in one ear, and the damage seems to be permanent.

”I don’t go into Stachy houses anymore,” he says, theorizing that his repeated exposure over the years has left him highly sensitive to toxic mold. ”I let the young people do that.”

On April 23 Holder called Ballard to report that there was airborne Stachybotrys, among other molds, in her house. Taking Holder’s advice to, she says, ”get the hell out of there,” the family abandoned their home and its contents within the hour. They left all their possessions — the couple’s wedding photos, Reese’s baby pictures, frayed stuffed animals and imported stuffed couches. Stopping at a nearby Wal-Mart , they bought new clothes and toiletries, then settled in for several months at the Four Seasons Hotel. (Farmers picked up the tab.)

The only thing they took from the house — a house she had expected to be ”my sanctuary” when she helped design it 15 years earlier — was a bottle of Scotch. ”I credit Cutty Sark with my escaping personal injury,” says Ballard, who refuses to wear a seat belt and hooks it over her shoulder when she drives in order to fool the cops.

Ballard jokes that ”her drinking kept her from getting as sick as the rest of the family.” Holder says that with the current lack of scientific evidence, this is as good a theory as any, adding, ”I believe she’s just too damn mean for those toxins to affect her.”

Standing outside unit 130 in the Spectrum condominium complex in Santa Ana, Calif., Alexander Robertson IV, the state’s busiest mold lawyer, hands me a disposable respirator mask. I’ve had practice at this by now, and I slip it on and pull the elastic tight. Robertson is quite a sight in his own mask — a towering man, with a shaved head and walrus mustache. The western boots peering out from under his well-cut suits are a hint that he would rather be roping and riding. Waiting for us in the tiny two-bedroom apartment are his client Noe Montoya, Montoya’s wife and newborn baby and his two elementary-school-age daughters. All but the infant have been sick for months, with nosebleeds and coughs, and there is black mold growing up the girls’ bedroom wall.

There are 1,500 residents of this complex, nearly all Hispanic, and all thought they had bought into the American homeowner’s dream. Montoya, who works as a waiter at a nearby chain restaurant, struggled to pay $75,000 for his condo two years ago. Then, about a year ago, mold began sprouting everywhere. Montoya cleans the mold from his daughters’ hot-pink wall every morning, but it is back within a day, growing through the Sheetrock from the other side. Unlike Melinda Ballard, who had the resources to eventually escape to a five-star hotel, Montoya is trapped. Everything he owns is invested in this apartment. He can’t afford to rent another place, and he cannot sell. Who would buy a condo full of mold?

Robertson is keenly aware of how he looks, standing there wearing a mask, while the family stands barefaced and unprotected. ”It’s a real dilemma,” he says. ”But I go into these buildings for a living, and I decided that I need to protect my own health.”

We walk from one apartment to the next, and Robertson points out mold wherever we go. Pulling aside bathroom tiles and peering behind stationary concrete planters, he says things like ”There’s water leaking through the joists in the drywall” and ”We have a series of pinhole leaks in the potable water lines,” which make him sound like the building contractor he was before he went to law school.

When he graduated he started a construction law firm, expecting to handle mostly faulty construction and product-liability cases. Then, in 1994, he was contacted by a couple in Malibu who had a leak. Water had become trapped beneath the layers of their improperly tiled roof and had drawn mold into the house. The couple suffered from mysterious rashes, and the wife was taken to the emergency room more than once, gasping for breath.

Robertson, who knew a lot about joists and drywall but nothing about rashes, went on the Internet, where he learned that science did not know much, either. Then, as now, there was no definitive epidemiological study proving that mold makes people sick. And then, as now, there was no simple blood test or the equivalent to measure mold exposure. But there were enough scientists who suspected a link and enough doctors who were certain they’d seen illness caused by toxic mold that Robertson sensed he had a dynamite case.

This most recent history of mold began in the early 1990’s, in a museum down in SoHo. Employees began falling ill at work with symptoms ranging from rashes to extreme fatigue to memory loss, and they came to see Dr. Eckardt Johanning, an occupational and environmental doctor at Mount Sinai Medical Center. At that time, ”occ-docs” like Johanning specialized in other dangers of the workplace, like carpal tunnel syndrome and asbestos poisoning. Stumped, Johanning inspected the museum offices and found mold that, when cultured, was determined to be ”something called Stachybotrys,” says Johanning, who at the time had never heard of the mold. (Since then he has compiled a 675-page tome called ”Bioaerosols, Fungi and Mycotoxins: Health Effects, Assessment, Prevention and Control.”)

Johanning searched the medical literature and found spotty research. There were allegations that toxic mold has been used in warfare and descriptions of animal poisonings, where mycotoxins in feed went on to kill large numbers of cattle in Russia and Finland. ”We know from laboratory animals,” explains Stetzenbach, ”when there’s forced inhalation of Stachy into mice, and then the mice are sacrificed and we look at the lung tissue, we see damage. But we can’t force humans to inhale toxins.”

In fact, one of the few controlled human studies inspired more debate than answers. In the fall of 1994, Dr. Dorr Dearborn, a pediatric pulmonologist at Cleveland’s Rainbow Babies and Children’s Hospital, began seeing too many cases of babies with bleeding in their lungs. As the total reached 8 and eventually 10, Dearborn called the Centers for Disease Control and Prevention, which sent an investigation team. The team’s leader, Dr. Ruth Etzel, designed a study matching each sick infant with three control infants who were the same age and lived in the same neighborhood. It turned out that most of the affected babies lived in homes with water damage and mold where tobacco smoke was often present. Among the molds found was Stachy, and the C.D.C. declared a possible link between mold, tobacco smoke and ”acute ideopathic pulmonary hemorrhage” (A.I.P.H.). The study was published in a respected, peer-reviewed journal.

These conclusions caused some government agencies to take action. The health and housing departments of Cleveland and Cayahoga County offers free home inspections to new mothers living in the part of town where the initial cases were clustered. The United States Department of Housing and Urban Development has put resources into mold research, too, spending $3.17 million on an effort to remove mold from the homes of infants at risk for A.I.P.H. and of asthmatic children. In addition, the American Academy of Pediatrics has warned that ”until more is known about the etiology of idiopathic pulmonary hemorrhage, prudence dictates that pediatricians try to ensure that infants under 1 year of age are not exposed to chronically moldy, water-damaged environments.”

Since the Cleveland study was first released, other doctors have become convinced that there are mold risks to adults as well. ”We do know for a fact that mold is associated with cognitive impairment in some people,” says Dr. Wayne Gordon, a neuropsychologist and professor of rehabilitation medicine at the Mount Sinai School of Medicine in Manhattan, and one of a small but growing group of scientists who have come to specialize in the health effects of mycotoxins. These doctors cannot yet say definitively how these toxins work and why they affect some people more than others. But they do know that victims of the toxins visit their offices every day, more this year than last year and that their problems range from minor memory loss to devastating cognitive failure. ”This is real,” he says, ”and it isn’t going away.”

In March of last year, however, the C.D.C. backed away from its initial study. In a 97-page examination of the case, two panels of reviewers gathered by the agency criticized everything from the way the babies’ illness was diagnosed to the way the mold was measured. ”The available evidence,” the reviewers concluded, ”does not substantiate the reported epidemiologic associations — between household water damage and A.I.P.H. or between household fungi and A.I.P.H. — or any inferences regarding causality.”

In other words, one report by the C.D.C. recants another report by the C.D.C. The agency now describes mold as an ”allergen” on its Web site, but makes little mention of the serious problems that researchers like Dearborn, Etzel and Gordon say are associated with mold. Nor does it mention that their findings have been replicated by other scientists. And while the agency advises that mold be cleaned up, it does not recommend testing to discover what type of mold is growing. ”We are not saying there are no health consequences to mold,” says Dr. Stephen Redd, chief of the air-pollution-and-respiratory-health branch at the C.D.C. ”There’s a diversity of opinion. Our opinion is that not enough is known about it.” The agency does not doubt that people are suffering, he says, but the C.D.C. is lacking scientific proof of the extent to which mold is the cause. To declare causation without that proof, he says, would be as irresponsible as waiting too long.

Dearborn and Etzel disagree and stand by their study. The C.D.C. rebuttal ”put the message out there that there was nothing to worry about,” Dearborn says. ”They didn’t take the prudent health position that until there is definitive evidence, we will take precautions. A legal standard of proof is 51 percent. A scientific standard of proof is greater than 95 percent. But where does public health prudence fall between the two?”

While scientists argue over mold, lawyers have been having a field day. Like the fungus itself, mold litigation has completely taken over Robertson’s practice in the years since the Malibu claim. ”The case settled very shortly, once we demonstrated what this stuff was,” Robertson says. The whole of the house was shrink-wrapped in plastic, torn down, then carted away and buried.

Today, callers to his voice mail are instructed that all new toxic-mold cases are being screened by the firm’s new director of microbiological investigations, a paralegal with a master’s degree in microbiology. At last count, she had a list of 325 potential new clients on deck, and Robertson has stopped representing individual homeowners in favor of cases that ”really prove a point.” On his plate at the moment are five courthouses where everyone from the judges to the bailiffs complain that they have become sick, and housing projects like the Spectrum, which, he says ”should have been the American dream, but has become a nightmare.”

(Robertson, too, makes some exceptions to his ”no private homes” rule. His star client right now is Erin Brockovich, whose two-story, 4,000-square-foot house outside Los Angeles — bought with the money from the movie about her environmental crusades — is contaminated with mold. There is a huge poster in Robertson’s office of Julia Roberts as Erin Brockovich, signed by the real Erin. ”To Alex, What a ‘bulldog’ you are,” it says, then asks, ”Gee, could a ‘mold’ movie be next?”)

Robertson says he believes he is in on the start of an entirely new area of law. ”It’s a hybrid,” he says, ”that’s why people have a hard time getting their arms around it. It’s part construction defect, because that’s what allows the water to get into the building. And it’s part personal injury, and very few lawyers do both.” Robertson himself had not handled a personal injury case until 1994, ”when I realized, Hey, we can’t just treat the building, we’ve got to treat some people in the building as well.”

Industry watchers agree. Mealey’s Publications, which puts out monthly legal reports, just added Mealey’s Litigation Report: Mold to its title list. ”Mold litigation isn’t going to go away any time soon,” says Colleen McLaughlin, the report’s editor. ”The attorneys involved are cutting edge, the type who are always looking for the next big thing.”

What looks like Genesis to lawyers looks like Armageddon to insurance companies. ”This mold problem seemed to come out of nowhere,” says Janet Bachman, vice-president of claims administration for the American Insurance Association. The Ballard case became front-page news in Texas and spurred many other mold claims. In the state, Bachman says, there has been a 137 percent increase so far this year in the amount paid out by insurance companies for water damage. (Insurance policies do not cover mold, per se; they cover damage that results from an otherwise covered event, like a leak or burst pipe.)

If that trend continues through the end of 2001, Texas insurers will be spending roughly $670 million on water claims. (That does not count damage from the Houston floods last June; while they will cause mold damage, the floods themselves are not covered events, meaning the resulting damage is not reimbursed by insurance.) Some in the insurance industry say that premiums will have to increase by 40 percent in order to offset mold claims.

Insurers are hoping, Bachman says, that this will turn out to be a short-term scare, a crisis of the moment, and that soon a fickle public will start worrying about something else. ”For a while the hysteria was over radon,” she says. ”And now it’s so obvious that nobody gives a damn. Remember the Alar scare? Now that’s a big shrug, too. Maybe this is just 15 minutes of fame for the latest boo-boo.”

Just in case it doesn’t disappear, however, some insurers are taking concrete steps. Farmers Insurance, for instance, has said that it will stop selling new homeowner’s policies that include water-damage coverage. In addition, it has asked the Texas Department of Insurance to allow the company to exclude mold damage from its policies entirely, even mold that results from a covered event.

State governments, in an effort to protect homeowners, are beginning to act, too. California’s Senate recently approved the Toxic Mold Protection Act, which orders the State Department of Health Services to establish licensing standards for professionals who go into the business of measuring and cleaning out toxic mold. ”Right now anyone can advertise in the Yellow Pages and call themselves a mold expert,” says Robertson, who helped draft the legislation, and who refers to opportunists as ”mold diggers.”

Whenever Robertson gives a lecture before an industry group, he says, ”I ask for a hand count at the beginning to find out who’s in the audience, and 90 percent are contractors who were all doing lead and asbestos abatement until the last year, and now they’re trying to jump on the mold bandwagon. It frightens me because you’ve got people that are taking a two-day course, and then they’re turning around as quote-unquote experts.”

The California bill also urges the health department to establish permissible exposure limits: how much mold is too much? Exactly what level of spores per cubic meter of air is enough to make us sick? It may be an impossible task, because the same level of mold seems to affect every individual differently. That would explain, among other things, why Ballard’s husband is still so sick but Ballard herself is not.

”We don’t always see the same health reaction every time,” Johanning says. ”I’ve seen marriages go down because people are not equally affected by it and one spouse thinks the other is imagining things.”

Ron Allison sits in the overdecorated living room of the rented house that his family has been living in, staring straight ahead. The furnishings around him are a swirl of burgundy and green, yellow and red, but he is a study in white and beige. His expression is as bland and subdued as his clothing, as he tries, quietly and haltingly, to explain who he used to be and who he is today.

Back when he was an investment adviser, he says: ”I did three to four deals at a time, I kept all these balls in the air. If I dialed your phone number once, I would have remembered it.” But in the months before the mold was finally discovered in his Dripping Springs home, his memory began to go. ”My problem is with input,” he says, trying to explain what his doctors have since explained to him. ”I can concentrate on one thing for a while, but if you add a second thing, then the input makes me short-circuit.” By way of example, his wife says, ”He can talk on the phone, but if you hand him a piece of paper while he’s talking, his brain just fries.”

Allison was asked to quit his job nearly two years ago, according to Ballard, and has been going to cognitive therapy sessions four times a week. ”He’s not worse, but he’s not better,” she says of her husband’s progress. ”I guess we have to give it time.” When not at therapy, he works at keeping his life simple. ”You can arrange your day to avoid feeling like an idiot,” he says. ”Sitting here and watching ‘Oprah,’ you’re not going to feel like an idiot, but I aimed a little higher than that in my life. I’m going to remember only a small percentage of this conversation, but I still remember my old life, and I want it back.”

He worries about what his son, Reese, will think of him. ”He knows that I used to go to work in the morning and now I don’t,” he says. ”He understands that the house made my brain sick. You want to be the absolute best role model for your kids. I’m not the best. I’m far less. I’m the best I can be now, but less than I was.”

Ballard worries about other things. ”Do you leave him?” she asks me later, explaining that Allison is now more like her child than her husband. ”How can I leave him? He can’t take care of himself. The worst day of our lives is still to come,” she continues. ”The worst day will be if we finally get that money, and he’ll want to manage it.”

That money is the $32 million she was awarded by a Texas jury in June, the result of her lawsuit against Farmers Insurance. It is by far the largest judgment against an insurance company in a mold case. Before the trial even began, Farmers had sent Ballard checks for nearly $1.4 million, first to repair and then to remediate the house. But Ballard charged that this did not account for the reality of toxic mold — mold that was given free rein, she says, while the company tried to find a way not to pay the whole of the hefty claim. All her possessions needed to be replaced, her lawsuit said, and according to experts like Holder and Straus, the house could not just be cleaned, it had to be destroyed and rebuilt.

Although Flynn, the Farmers spokesperson, says the company ”handled this claim promptly and vigorously and would do it the same way again,” the jury agreed with Ballard, and granted her approximately $6 million for the house and its contents, $12 million in punitive damages against Farmers, $5 million for emotional distress and nearly $9 million in attorneys’ fees. Flynn, of Farmers, says the verdict (which the judge has sent to mediation) threatens not only the company but also the entire industry.

”As a practical matter she has almost single-handedly caused, well, not an hysteria, but a heightened interest in mold,” Flynn says, choosing her words carefully. ”In the year or more since the start of this case, we are seeing claims for mold in and of itself. People are filing claims from a fire that happened a year ago saying that mold arose from the fire-suppression activity. They are about to go to mediation on a claim for a cracked foundation, and we get a letter a week before saying, ‘by the way there’s mold in the house and we have to tear it down.’ ”

Until this case, she says: ”we didn’t have any designation or coding for a mold claim. That was an animal that just didn’t exist. Mold was a byproduct. It was never viewed as a separate loss.”

As alarmed as the company is by the judgment, Farmers is relieved that the jury was only allowed to hear evidence about material damage to the house. Ballard’s suit also claimed health damage to her husband, but the judge disallowed all medical evidence, saying that there was not sufficient epidemiological research directly linking health problems to mold.

”Suppressing the medical testimony was extremely important to us,” Flynn says. ”This is a property insurance policy,” she explains. ”This is a policy that takes care of physical damage to the house. This is not a medical policy. It is not a type of policy ever intended to pay for a person’s physical injuries while living in their homes. If they develop a health problem, it should be covered by medical insurance.

”On a second level,” she continues, ”there was the inference that somehow we did something that made the family sick. That we should have said: ‘Oh, you had a water leak a year ago and that leak might result in mold. It could be toxic mold, and that could be injurious to your health so you’d better leave your house now.’ We didn’t have that kind of knowledge.”

Ballard responded to the verdict by spending some of her expected payment to gather the sort of scientific evidence the judge and Farmers say does not yet exist. Over this summer she plans to assemble some of the leading experts in the field, who, between them, have seen hundreds of patients suffering ”mold poisoning.” She says she will ”lock them all in a conference room somewhere and ask them to compile a complete database, a profile of what we know.” She has plans to invite representatives from the C.D.C., because, she says: ”You have to keep your enemies close. If those S.O.B.’s are in from the beginning, they can’t complain about our accuracy at the end.”

Out in California, where evidence rules are less stringent than in Texas, Alexander Robertson, too, is looking for future epidemiological data. His ”laboratory” is the Spectrum condominium complex, and he has contracted with an ”occ-doc” from the Harvard Medical School to do a biostatistical study of every occupant. All 1,500 residents will be asked about their symptoms, and their apartments will be tested to establish the presence and quantity of mold. The residents of a control apartment complex will be similarly studied. ”If we show that the Spectrum building has a higher percentage of people reporting the same or similar symptoms, we go a long way to silencing those who argue mold can’t be the cause,” he says.

On my way back from Melinda Ballard’s contaminated house, I stop at a highway gas station and change my clothes in the restroom. I kick myself for not wearing long sleeves, long pants and combat boots when I went into the house, and wrap what I did wear — shorts, T-shirt and flip flops — in a double plastic bag and throw it in a nearby Dumpster so that the mold spores that might have settled on my clothing won’t contaminate everything else I own. I debate whether to go straight back to my hotel to take a shower but decide that I don’t want to add water to the spores that might be in my hair. I’d rather kill them first by spending time outside in the ultraviolet light.

David Straus says this is not overreacting. Bill Holder says it probably is. Melinda Ballard, who suggested these precautions in the first place, has become fed up with doing this herself and now saves one ratty outfit for visiting her old home. Such is the murky level of knowledge at the moment about the dos and don’ts of toxic mold.

Dressed in fresh, uncontaminated clothes, with hair of questionable cleanliness, I go on to spend the evening at the home of an Austin friend. We sit in her living room and talk with her new neighbors, Bridget and Ted Karam, who are renting a house for several months while their 4,700-square-foot dream home across the highway is inhabited by men in moon suits. The house has leaked in the rain since it was built in 1993, the Karams say, but it wasn’t until they read about the Ballard case that they thought to look for mold. ”We realized my daughter was waking up with sore throats every time she slept in her room,” Bridget Karam says.

The couple paid $2,800 to learn that there was Stachybotrys and penicillium in their home. It will take nearly six months and cost $140,000 to clear it out. Listening to their story, my throat starts to hurt. So does my friend’s. ”My kids wake up with sore throats all the time,” she says, looking around her pristine living room, which suddenly smells a little musty. ”Maybe I should call someone to test us?”

Medical students develop symptoms of one disease after another as they go through their textbooks. Called somatization, it is a testament to ”the power of suggestion,” says Bachman of the American Insurance Association, which clearly has a stake in believing this is all in our heads. ”When I was in college, I took a psych course, and within nanoseconds after reading a list of symptoms I diagnosed myself as being crazy as a bedbug. I’m thinking that people are going through the same thing with mold. Mold has always been around, it will always be around. Why is everyone going so crazy about it right now?”

Nowhere are people going crazier than in Austin, where the Austin Independent School District closed the Hill Elementary School for the past 18 months and closed off sections of another school because of mold. Now there is a wait of months for most contractors who screen for mold, and homeowners are hiring testers from Dallas and Houston, paying their travel expenses.

All this raises some obvious questions: Is there more toxic mold than ever before? Is all the new construction, using cheaper, mold-friendly material causing a true invasion or are we just paying more attention? Is this a new asbestos — a new and measurable danger? Or a new Legionnaire’s disease — a threat that has existed and been unrecognized for generations? Or, perhaps a new chronic fatigue syndrome — a disease that definitely affects some people while playing mind games with many more? Do we really need to clean it up, or is it just that ”mold is gold,” as contractors say, and there is money to be made from homeowners’ fears.

These are questions that Ted Karam does not feel he has the luxury of pondering. ”I don’t know how much is hysteria,” he says. ”But I can’t take any chances. If you find it, you have to do something.”

The something varies, however, because no one seems to agree on the right thing to do. The Karams, for instance, lived in their home for more than six months after the mold was found. ”But we kept running into other people with mold, and they had been told to move out,” Bridget Karam says, so eventually they did, too. And although they have read that Ballard left all her belongings in her house, they could not bring themselves to do the same. They let their daughters sneak back in to rescue a few favorite outfits along with their yearbooks and some angel figurines. Bridget, who is a professional photographer, took all her negatives. ”I can’t bear to lose any of my memories,” she says.

Tracy and Steve Wehmeyer, in contrast, who live across town from the Karams, began making plans to leave their home and most of their belongings within days of getting their results. No one in the family had been terribly sick before Stachybotrys was discovered in their walls, but they aren’t feeling too well right now. ”Every time I can’t remember something, I wonder, Is it mold or is it wine or is it age?” Tracy Wehmeyer says, half-joking. Then she turns pensive. ”You think of your house as the safest place you can be. Then to learn it is hurting you and your family. . . . ” She doesn’t finish the sentence.

So far only one family in the Austin area has burned down their home. Ballard says she has considered it, but was warned that the wind and smoke would simply spread the mold. Her neighbor is already suing her for $1 million, saying that the very existence of the Ballard house has lowered area property values. The Karams fear a financial toll, too. Before the mold was found, their house was appraised at $2.3 million. Because of the history of mold, however, their bank’s appraiser warns that it will be worth 30 percent less.

Ballard says she will wait until the case is completely closed before she touches her Dripping Springs home. Then, when the house is no longer evidence, she will have it cut apart — walls, beams, furniture, appliances, hardwood floors and all — and shrouded piece by piece in double-wrapped plastic before being buried in a landfill.

She has other plans too. She has announced her candidacy as a representative from the 46th District, and her hope is to sit on the insurance committee. ”Nearly everyone hates their insurance company,” she says. ”What a platform.”

Lisa Belkin is a contributing writer for the magazine.