How HOAs Handle Mold Found in Common Building Spaces

The HOA board usually starts by documenting the mold and notifying residents who use the affected space. They may close off the area to prevent exposure. The next step is to call in a water damage pro to assess the situation and find the moisture source, such as a leaky pipe or roof.

The pros will often use moisture mapping to trace the extent of the problem. This helps determine whether the mold is surface-level or has penetrated walls and flooring. Acting quickly is important because mold spreads as long as moisture remains.

• Notify the board in writing about the mold
• Take photos of the visible mold
• Avoid touching or disturbing the mold
• Keep the area ventilated if safe
• Ask about temporary relocation if needed

A water damage pro will likely begin by stopping the moisture source, whether that means repairing a pipe or fixing a roof leak. Then they use structural drying and dehumidification to remove moisture from the air and building materials. This step is critical because mold can return if the area stays damp.

After drying, the pros remove porous materials like drywall or carpet that are heavily contaminated. Non-porous surfaces get cleaned and treated with an antimicrobial solution. The work usually involves sealing off the area to prevent spores from spreading to other parts of the building.

The HOA's master policy may cover mold damage in common areas, but coverage varies widely. Some policies exclude mold entirely, while others cover it only if the mold resulted from a covered peril like a burst pipe. The board should review the policy and file a claim promptly if applicable.

If the claim is denied or coverage is unclear, the board can ask the insurance company for a written explanation. Homeowners with mold in their own units should check their individual policies as well. In all cases, documenting the damage and the cleanup process helps with any claims.