Molds are fungi that can be found both indoors and outdoors. No one knows how many species of fungi exist but estimates range from tens of thousands to perhaps three hundred thousand or more. Molds grow best in warm, damp, and humid conditions, and spread and reproduce by making spores. Mold spores can survive harsh environmental conditions, such as dry conditions, that do not support normal mold growth.

Some people are sensitive to molds. For these people, exposure to molds can lead to symptoms such as stuffy nose, wheezing, and red or itchy eyes, or skin. Some people, such as those with allergies to molds or with asthma, may have more intense reactions. Severe reactions may occur among workers exposed to large amounts of molds in occupational settings, such as farmers working around moldy hay. Severe reactions may include fever and shortness of breath. People with a weakened immune system, such as people receiving treatment for cancer, people who have had an organ or stem cell transplant, and people taking medicines that suppress the immune system, are more likely to get mold infections. Exposure to mold or dampness may also lead to development of asthma in some individuals. Interventions that improve housing conditions can reduce morbidity from asthma and respiratory allergies.

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Typically, standard homeowners policies do not cover water damage caused by “maintenance” problems. ... You should also know that almost all homeowners policies generally exclude flood damage, so if your home develops mold from a flood this is probably not going to be covered.

According to HGTV, Wear a respirator or a facemask rated for black mold spore protection, and cover arms, legs and hands to avoid contact with mold spores. Use soap and a sponge toremove visible mold. If the moldy area is dry, lightly spray with water, as this willreduce the incidence of airborne mold spores during cleaning. Howeverd, without propery training and experience, you will certainly SPREAD the mold spores to a whole new area.

Mold and Your Health. Exposure to damp and moldy environments may cause a variety of health effects, or none at all. Some people are sensitive to molds. For these people, molds can cause nasal stuffiness, throat irritation, coughing or wheezing, eye irritation, or, in some cases, skin irritation. cdc.gov

In particularly severe cases of prolonged exposure, black mold health effects can be more dangerous. Often compounded by allergic reaction to the black mold spores, these symptoms can include nausea, vomiting, and bleeding in the lungs and nose. Black Mold Symptoms and Health Effects | HGTV https://www.hgtv.com/remodel/interior.../black-mold-symptoms-and-health-effects

Health problems associated with high levels of airborne mold spores include allergic reactions, asthma episodes, irritations of the eye, nose and throat, sinus congestion, and other respiratory problems, although it should be noted that moldspores won't actually cause asthma, just irritate existing conditions. Mold health issues - Wikipedia https://en.m.wikipedia.org/wiki/Mold_health_issues

Generally, it is not necessary to identify the species of mold growing in a residence, and CDC does not recommend routine sampling for molds. Current evidence indicates that allergies are the type of diseases most often associated with molds. Since the susceptibility of individuals can vary greatly either because of the amount or type of mold, sampling and culturing are not reliable in determining your health risk. If you are susceptible to mold and mold is seen or smelled, there is a potential health risk; therefore, no matter what type of mold is present, you should arrange for its removal. Furthermore, reliable sampling for mold can be expensive, and standards for judging what is and what is not an acceptable or tolerable quantity of mold have not been established.