"Most homeowners believe that as long as they do not see visible signs of mold, that is, patches of green, blue, or black discoloration on surfaces, their environment is free of contamination. What they don't realize, however, is that large accumulations of [hidden or concealed] mold may be growing in areas that they cannot see, like air  ducts, remote attic or basement spaces, or wall cavities. Left to multiply, these  infestations may produce enough organic compounds to cause allergic reactions, sickness and, in extreme cases, death (a possibility with infants)," Edward R. Lipinski, "HOME CLINIC: The Battle Against Mold and Mildew," N.Y. TIMES, September 1, 1999.

"Exposure to certain types of fungi, known as toxic mold, can cause a serious [allergic] 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," warned Lisa Belkin, "Haunted by Mold," N.Y. TIMES, August 13, 2001.

"Even if mold in your house doesn't cause you any medical problems, if it becomes established in the wood in your home, 'dry rot' may form. Dry rot can result in a homeowner's nightmare. When the mold dies, the wood dries and then shrinks, breaking up into irregular chunks. Cracks in the wood fiber then act like straws, siphoning up moisture and carrying it to undamaged portions of the wood. Left unchecked, this process keeps recurring, continually rotting more wood, and can cause severe structural damage to your home," warned Vicki Lankarge, on the website insure.com.