Types of Mold Testing: Part 4 – Wall Cavity Testing

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Not all mold problems grow in plain sight. Some of the most damaging infestations hide inside walls, under floors, or behind cabinets. These hidden areas stay damp long after a leak or flood, creating perfect conditions for mold growth. That’s why inspectors often use inner-wall cavity testing to confirm whether mold is present where you can’t see it.

How Cavity Testing Works

  • A trained inspector drills a small, discreet hole into the wall or ceiling near the suspected area.
  • A sterile tube or cassette is inserted to pull an air sample from inside the cavity.
  • The sample is sent to a certified laboratory, where spore counts are compared to baseline indoor and outdoor levels.

This process gives a direct look at what’s happening behind the surface — without having to tear down entire sections of drywall.

When It’s Used

  • Insurance Claim Disputes: Homeowners are often told “no visible damage, no problem.” Cavity testing can prove hidden mold exists and help validate claims.
  • Follow-Up to Positive Tests: If a surface or air sample in the room already showed elevated spores, cavity testing helps confirm whether mold is also thriving behind the walls.
  • Suspected Leaks: When there’s a history of plumbing issues, roof leaks, or water intrusion but no obvious staining, cavity testing can identify hidden moisture damage.
  • Mystery Odors: A persistent musty smell is often the first clue that mold is active behind finished surfaces.

Why It Matters

Mold hidden inside walls can spread unchecked for months, making remediation more invasive and expensive. By detecting the problem early, inner-wall cavity testing provides homeowners with clear answers — and the documentation they need when dealing with insurance companies, landlords, or contractors.

Protect Your Property with Expert Mold Testing

If you suspect hidden mold in your home or business, don’t wait for the damage to spread. At MSI, we use industry-standard testing methods, including cavity sampling, to uncover mold where it hides and provide you with a clear plan for remediation.

Why Insurance Companies Deny Water Loss Claims—and How to Protect Yourself

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When water damage strikes, many homeowners assume their insurance policy will cover the loss. Unfortunately, that isn’t always the case. Insurance companies frequently deny water damage claims, often leaving families with unexpected repair bills and stressful disputes. Understanding why these denials happen can help you avoid pitfalls and strengthen your position if you ever need to file a claim.

Common Reasons Insurance Denies Water Damage Claims

1. “Long-Term” or “Gradual” Leaks
Most standard homeowners’ policies only cover sudden and accidental water damage. If an adjuster determines the loss was caused by a slow leak—such as a dripping pipe behind a wall over months or years—they may call it a “maintenance issue” and deny coverage.

2. Lack of Documentation
If you can’t prove when the damage happened or how it occurred, insurers may claim there’s not enough evidence to tie it to a covered event. Photos, videos, and professional inspection reports are critical in supporting your claim.

3. Excluded Sources of Water
Not all types of water damage are treated equally. For example, many policies exclude flood damage, water backing up through drains, or sewer/septic overflows unless you purchased separate coverage.

4. Mold Resulting from Water Damage
Even when water damage itself is covered, mold growth caused by that damage is often excluded—or capped at very low limits. This leaves homeowners responsible for expensive remediation. Insurance companies frequently argue that “mold takes a long time to grow,” labeling it as long-term damage. In reality, mold can begin germinating in as little as 24 to 48 hours after water intrusion, making this a common but misleading excuse for denial.

How to Protect Yourself Before and After a Loss

  • Know Your Policy: Take the time to read your coverage details, especially exclusions related to water damage, mold, sewer backups, and floods.
  • Act Quickly: The longer you wait to report or address water damage, the more likely your insurer will call it “long-term.” Contact a restoration professional immediately.
  • Document Everything: Photograph the damage from multiple angles, keep damaged materials, and request a professional inspection. Independent reports can make all the difference in disputes.
  • Request Clarification in Writing: If your claim is denied, ask for the specific policy language being used against you. This can give you leverage if you need to appeal.
  • Use Your Right to Choose a Contractor: Insurance companies may recommend preferred vendors, but you are legally allowed to hire the restoration company of your choice. Choosing a qualified, experienced team ensures the work is done right—not rushed to save the insurer money.

Final Thoughts

Water damage is stressful enough without fighting your insurance company. By understanding the most common reasons for claim denials and taking proactive steps to document and protect your property, you can strengthen your case and improve your chances of a successful payout.

If you’ve experienced water damage and want expert help not just with cleanup, but also with the documentation insurers demand, MSI is here to guide you through every step.

Types of Mold Testing: Part 3 — Bulk Sampling Explained

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When it comes to mold testing, there isn’t a one-size-fits-all method. In our earlier posts, we covered air sampling and surface sampling, both of which are useful for detecting airborne spores and identifying mold growth on visible surfaces. But what if the concern runs deeper — inside the actual building materials? That’s where bulk sampling comes in.

What Is Bulk Sampling?

Bulk sampling involves physically removing a portion of a material suspected of mold contamination — such as a piece of drywall, insulation, wood, or carpet — and sending it to a laboratory for analysis. Unlike air testing, which measures spores in the environment, or surface testing, which captures mold directly from a wall or countertop, bulk sampling provides direct evidence of what’s inside the material itself.

How the Process Works

  1. Selection of the Sample Area – A certified inspector identifies the material most likely to show contamination. This might be drywall around a window leak, flooring in a basement, or insulation inside a wall cavity.
  2. Careful Removal – A small section of the material is cut out using sterile tools. It must be handled carefully to avoid cross-contamination.
  3. Sealed for Transport – The sample is placed in a sterile container or bag and labeled with the exact location it came from.
  4. Laboratory Analysis – At the lab, technicians examine the material under a microscope and may perform cultures to identify the exact type of mold and the extent of colonization.
  5. Report & Interpretation – The results are compared against industry standards and presented in a clear report that homeowners, insurance adjusters, or even courts can understand.

Why Bulk Sampling Matters

Bulk sampling is not always necessary, but when it is, it can be the deciding factor in serious cases:

  • Insurance & Legal Disputes – A homeowner claiming hidden water damage or a tenant alleging unsafe living conditions often needs indisputable proof. A piece of mold-infested drywall carries far more weight than air readings alone.
  • Remediation Decisions – Sometimes materials can be cleaned and salvaged. Other times, replacement is unavoidable. Bulk sampling helps make that call with certainty.
  • Health & Safety – If mold is inside porous materials, it can continue spreading even if the surface looks clean. This test reveals contamination most people can’t see.

A Real-World Scenario

Consider a homeowner who notices a musty odor in their finished basement but sees no visible mold. Air samples show elevated spore counts, but the insurance company questions the source. During inspection, we identify staining on a small section of drywall near the baseboard. A bulk sample is collected and sent to the lab, which confirms active mold growth within the gypsum core. This undeniable evidence proves the presence of hidden contamination, helping the homeowner secure coverage for full remediation.

Pros & Cons of Bulk Sampling

Pros:

  • Conclusive, physical evidence of contamination.
  • Strong documentation for lawsuits, insurance claims, and disclosure cases.
  • Guides clear remediation decisions.

Cons:

  • Destructive — requires cutting into building materials.
  • Limited to the exact spot tested, meaning other areas may still need further investigation.
  • More time-intensive than surface swabs.

Final Thoughts

Bulk sampling may not be needed for every project, but when legal, insurance, or health questions arise, it can be the most powerful tool in mold testing. With over 27 years of experience, MSI has performed thousands of tests and has been called upon as an expert witness in countless disputes. Our team knows when bulk sampling is the right step — and how to use it to give homeowners the clarity they need.

A Fresh Start: Hoarding Cleanup Success Story in Paoli, PA

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Hoarding is often misunderstood. It’s not simply about having “too much stuff” — it’s about the challenges someone faces when their home becomes unsafe or overwhelming. Recently, our team at MSI was called to a home in Paoli, PA, where one family’s story shows just how life-changing the right help can be.

The Call for Help

A mother reached out to us, concerned about her daughter who had been struggling with hoarding and living in unsafe conditions. The home had very few walkable pathways, and clutter was piled in ways that hid serious issues like water damage and mold growth from past leaks. On top of that, a beloved cat was using the carpet as a bathroom, making the environment even more unsanitary.

The daughter made a courageous step — she admitted she needed help and wanted her story shared, privately, to encourage others who might be in the same situation.

What We Found Inside

When we arrived, it was clear this wasn’t just a case of “too many belongings.” The conditions created real health and safety concerns:

  • Blocked pathways made moving around dangerous in the event of an emergency.
  • Hidden mold and water damage were worsening behind piles of clutter.
  • Animal waste on the carpets posed biohazard risks.
  • Underlying plumbing and electrical issues needed to be addressed for the home to be safe again.

Restoring the Home — and Peace of Mind

Our team carefully sorted, removed, and cleaned the property, always with compassion and respect for the homeowner. We remediated the mold, addressed the water damage, and pointed out the additional repairs needed for long-term safety.

This was about more than just cleaning a house. It was about helping someone reclaim their home and their health.

A Positive Outcome

The best part of this story is its ending — or rather, its new beginning. The homeowner has now been back in her Paoli home for over a year. She’s maintained a safe, clean environment and hasn’t fallen back into old habits. Her courage in facing the problem and asking for help gave her the fresh start she deserved.

Helping Others Move Forward

At MSI, we understand that hoarding cleanup is about more than clutter. It’s about compassion, safety, and a second chance at living comfortably at home. If you or a loved one is facing a similar situation, know that you’re not alone.

📞 Call us today at 215-339-1769 for confidential help.

Mold Testing Part 2: Surface Sampling

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What Is Surface Sampling?

While air testing measures spores floating in the air, surface sampling targets visible or suspected mold growth on specific materials. This method involves swabs, tape lifts, or bulk samples taken directly from the surface of walls, furniture, or building materials.

When Is Surface Sampling Needed?

  • Visible Spots or Stains – to confirm whether discoloration is mold or another substance.
  • After Water Damage – to verify whether mold has developed on building materials.
  • Post-Remediation Clearance – ensuring the affected areas are truly mold-free.
  • Hidden Suspicions – when air samples come back inconclusive but the area still looks questionable.

Different Methods of Surface Sampling

  • Swab Samples – cotton-like swabs collect material from suspicious areas.
  • Tape Lifts – adhesive tape lifts spores directly off surfaces for lab analysis.
  • Bulk Samples – actual pieces of contaminated material (like drywall) are sent to the lab for testing.

In some cases—such as disputes between landlords and tenants, insurance claims, or litigation—surface sampling provides a level of certainty that air testing cannot always guarantee. Because spores don’t always become airborne, an air sample might miss contamination that’s clearly visible on a surface. By taking a direct lift from the material itself, you know exactly what is present in that location.

This makes surface samples a powerful tool when clear, documented evidence is needed. Whether it’s a legal case, a landlord–tenant disagreement, or simply providing peace of mind, surface testing can deliver indisputable results that stand up to scrutiny.

Limitations of Surface Sampling

Surface tests don’t measure what’s in the air and can’t determine the overall air quality of the property. They also only represent the spot tested, not the entire room. That’s why professionals often use surface samples in combination with air testing for a complete picture.

Why Professional Sampling Matters

Knowing when to use surface testing—and how to interpret the results—isn’t always straightforward. At MSI, we’ve been conducting mold inspections and testing since 1998, and we know which situations call for air testing, surface testing, or both.

Takeaway

Surface sampling is a valuable tool, but it’s just one part of a complete mold inspection strategy. Trusting a certified professional ensures accurate results and the right plan of action for your property.

Can Insurance Tell You Who to Hire? The Truth You Need To Know

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When property damage strikes, homeowners often feel pressured to follow the insurance company’s recommendations. It’s common to hear: “We’ll send out our preferred contractor.” But here’s the truth — your insurance company cannot force you to use their contractor.

Why Insurance Companies Push “Preferred Vendors”

Insurance companies often have deals with certain contractors. These partnerships are designed to keep costs low for the insurer, not necessarily to ensure the best restoration for your home. While some preferred vendors do quality work, others may cut corners to keep costs down, leaving you with hidden damage that causes bigger problems later.

You Have the Right to Choose

No matter what the insurance adjuster says, you are free to hire the restoration company you trust. In Pennsylvania, New Jersey, and Delaware, consumer protection laws support your right to choose. Your insurance policy covers the work based on the damage, not the contractor.

Risks of Letting Insurance Dictate

Relying only on the insurance company’s pick can lead to:

  • Incomplete drying after water damage, which can trigger mold growth weeks later.
  • Surface-only soot cleaning, leaving behind harmful residues and odors.
  • Mishandled biohazard or hoarding cleanups, creating liability risks for the property owner.

How to Choose the Right Restoration Company

When damage happens, focus on choosing a company that puts your home first:

  • Look for certifications such as IICRC.
  • Choose experienced professionals who regularly handle insurance claims.
  • Ask for transparency in estimates, photos, and reports.

The Bottom Line

Your home is your responsibility — not your insurance company’s property. Don’t let them steer you toward contractors who might not serve your best interest. You have the right to decide who restores your home.

At MSI, we’ve been helping homeowners navigate claims and restore their properties since 1998. If disaster strikes, call us first — we’ll work with your insurance, but we’ll always work for you.

From Denied Claim to Full Coverage — Media, PA Water Loss

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What seemed like a small water damage issue on the first floor of a single-family home in Media, PA turned out to be a multi-floor problem that had been quietly causing damage for some time. This project revealed the hidden extent of water damage — and how having an experienced restoration company can make all the difference when dealing with insurance claims.

The First Call

When the homeowner first contacted us, they believed the water damage was limited to their first floor. Upon inspection, our team found additional damage extending upward to the second floor and downward into the finished basement. With no visible source in sight, we began carefully opening walls to trace the water’s path.

Finding the Culprit

The break was eventually traced to a cracked stack pipe in the second-floor wall. The homeowner had already filed an insurance claim, but it had been denied because the insurer labeled it a “long-term leak” — a common reason for claim rejections, especially when mold is involved.

However, our inspection told a different story.

Proving the Case

We documented how the crack in the pipe was small enough to release only minimal amounts of water at a time. The insulation and double-layered drywall/plaster acted like a sponge, absorbing the water before any signs appeared on the surface. By the time damage became visible, the underlying problem had been active for some time — but not because it was ignored.

Once the wall was opened, a plumber could repair the pipe, and with our findings, the insurance company reversed its decision and covered the claim.

Understanding Category 3 Water

This was a Category 3 water loss — the most hazardous classification:

  • Category 1: Clean water from a sanitary source.
  • Category 2: “Gray” water with some contamination.
  • Category 3: “Black” water containing sewage, bacteria, and dangerous pathogens.

Because the cracked stack pipe was part of the home’s waste system, any escaping water posed serious health risks. Immediate, professional remediation was essential to remove contaminated materials, sanitize the area, and prevent mold growth.

Why Stack Pipes Crack

Stack pipes — the vertical plumbing pipes that carry waste and water from upper floors — can crack for several reasons:

  • Material fatigue in older cast iron or PVC systems.
  • Shifting or settling of the building.
  • Temperature fluctuations causing expansion and contraction.
  • Corrosion or rust over time.

Even a small crack can cause major hidden damage, as this case clearly showed.

The MSI Difference

Our role went far beyond cleanup. We:

  • Discovered the hidden extent of the damage.
  • Removed contaminated materials from all affected floors.
  • Performed mold remediation to IICRC standards.
  • Coordinated with the plumber for quick repairs.
  • Provided the documentation needed to reverse a denied insurance claim.

When you’re facing water damage — especially from a hidden source — you need a restoration company that knows how to uncover the problem, clean it up properly, and help you get it covered.

Have water or mold damage you can’t figure out? Call MSI at 877-712-1600. We’ll find the source, stop the damage, and help restore your home safely.

Chaetomium Mold: The Hidden Danger After Water Damage

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Most homeowners know to worry about mold after a flood or leak—but they may not realize that some of the most destructive types of mold grow behind the scenes, inside walls or under carpets. One of the most commonly overlooked yet serious molds in water-damaged properties is Chaetomium (pronounced key-TOE-mee-um).

If your home or business has suffered a roof leak, plumbing failure, or flooding, you need to know about this mold—and why it’s a red flag for more than just allergies.

What Is Chaetomium Mold?

Chaetomium is a cellulose-loving mold commonly found in buildings that have suffered water damage. It thrives on materials like drywall, wallpaper, carpets, wood, and insulation—basically anything organic that stays damp for too long.

Unlike many molds that grow in visible patches, Chaetomium often hides inside walls or under floors, growing undetected until serious damage occurs.

Where Does Chaetomium Grow?

Chaetomium needs high moisture and cellulose to grow. It’s commonly found in:

  • Drywall after roof or pipe leaks
  • Carpet padding and subflooring
  • Basement walls and foundation leaks
  • Behind wallpaper or paneling
  • Attics and crawlspaces with poor ventilation

Its presence often indicates prolonged moisture exposure—and sometimes deeper structural issues.

Health Risks Associated with Chaetomium

While Chaetomium isn’t as notorious as Stachybotrys (black mold), it can still cause a range of health issues, especially in people with:

  • Asthma or respiratory sensitivity
  • Weakened immune systems
  • Allergies or chronic sinus infections

Exposure to Chaetomium spores may lead to:

  • Persistent coughing or sneezing
  • Skin and eye irritation
  • Headaches or fatigue
  • Neurological symptoms in severe or long-term cases

In rare situations, certain species of Chaetomium have been associated with opportunistic infections in immunocompromised individuals.

Why Chaetomium Indicates Bigger Problems

One of the biggest concerns with Chaetomium is that its presence often means there’s been significant, ongoing water damage. By the time it’s detected, building materials may already be compromised.

It’s also commonly found alongside other toxic molds like Stachybotrys and Aspergillus, which makes accurate identification and complete remediation critical.

How to Detect and Remove Chaetomium Mold

Chaetomium is difficult to identify without laboratory testing. That’s why professional mold inspection is the safest first step after water damage.

At MSI, we conduct:

  • Air and surface mold testing to identify the type and severity of mold
  • Moisture mapping to find the source of dampness
  • Containment and HEPA air filtration to prevent cross-contamination
  • Safe removal of affected materials followed by antimicrobial treatment

Because of its hidden nature and aggressive growth, Chaetomium cleanup should never be DIY.

Water Damage? Don’t Wait for Chaetomium to Appear

If your property has experienced flooding, leaks, or high humidity, don’t assume the problem is gone just because surfaces look dry. Hidden mold can begin growing within 24–48 hours of water exposure.

The sooner it’s identified, the easier and safer the cleanup process will be.

Schedule a Mold Inspection with MSI Today

At MSI, we’ve been inspecting and remediating mold since 1998. Our certified team has seen thousands of water-damaged buildings and knows exactly what to look for—even the mold you can’t see.

Call us at 877-712-1600 to schedule a professional mold inspection and protect your home, health, and investment.

What Is Aspergillus Mold? How it Gets Into Your Home

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When most people think of mold, “black mold” tends to dominate the conversation. But another mold type is just as important—Aspergillus. Found in homes, hospitals, and even the air we breathe, this mold can trigger allergies, infections, and more serious health issues if left unchecked. Whether you’re a homeowner, property manager, or simply concerned about indoor air quality, understanding Aspergillus is essential.

What Is Aspergillus?

Aspergillus (pronounced as-per-JILL-us) is a genus of mold that includes over 200 species. While some are harmless or even beneficial (like those used in food fermentation), others pose serious health risks. It’s typically green, yellow, or white and has a powdery or velvety texture when growing.

Common places Aspergillus is found:

  • HVAC systems and ductwork
  • Damp drywall or ceiling tiles
  • Window sills
  • Attics and basements
  • Airborne dust in homes and commercial buildings

Health Effects of Aspergillus

The health risks depend on the species and the individual exposed. For most healthy people, exposure to small amounts may only cause mild irritation. But for those with asthma, allergies, or compromised immune systems, it can be dangerous.

Some health effects include:

  • Allergic Aspergillosis: Causes wheezing, coughing, sinus issues, and respiratory inflammation.
  • Aspergilloma (fungus ball): Can form in lungs or sinuses after long-term exposure—particularly in those with pre-existing lung conditions.
  • Invasive Aspergillosis: A rare but severe condition where the mold spreads from the lungs to other organs. Life-threatening in immunocompromised individuals.
  • Skin or eye infections: From direct contact in rare cases.

Why Aspergillus Grows Indoors

Aspergillus spores are everywhere—indoors and out—but they grow when moisture and organic material combine. Water-damaged drywall, dust buildup in vents, or humidity above 60% can all provide a perfect breeding ground.

Signs of Aspergillus in a Home or Business

  • Musty or earthy odors, especially near vents or damp walls
  • Frequent sinus or respiratory issues in occupants
  • Visible mold colonies that are greenish or pale yellow
  • Unexplained worsening of asthma or allergy symptoms

How MSI Can Help

At MSI, we’ve tested and remediated properties for Aspergillus for decades. Our process includes:

  • Air and surface sampling to confirm presence and identify the exact species
  • Source tracking to locate where it’s growing—often hidden in ductwork or behind walls
  • Professional remediation to ensure removal meets clearance standards
  • Recommendations for moisture control and prevention

Don’t Ignore This Common Mold

Aspergillus may not get the headlines that black mold does, but it can be just as disruptive—and dangerous. If you’re noticing persistent symptoms, strange odors, or past water damage, don’t wait.

Call MSI today to schedule a mold inspection. Protect your property and your health—before Aspergillus becomes a bigger problem.

Understanding Stachybotrys: The Truth About “Black Mold”

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When most people hear the term “black mold,” they’re thinking of one mold in particular: Stachybotrys chartarum. Its dark appearance and alarming reputation have made it infamous, but separating fear from fact is critical—especially for property owners, landlords, and those with compromised immune systems.

How to Say It

Stachybotrys is pronounced:
/ˌstæk.iˈbɒ.trɪs/
(STACK-ee-BAH-tris)

It’s often mispronounced or lumped together with other black-colored molds, but it is its own distinct genus and species.

What Is Stachybotrys?

Stachybotrys is a slow-growing, cellulose-loving mold that thrives on water-saturated materials. It typically appears dark green to black and has a slimy or sticky texture when wet due to its high moisture content. Unlike some faster-growing molds like Aspergillus or Penicillium, Stachybotrys requires constant moisture over an extended period to develop.

It commonly grows on:

  • Drywall
  • Ceiling tiles
  • Wood framing
  • Insulation
  • Wallpaper
  • Carpet backing
  • Paper-based materials

Because it takes longer to grow, its presence usually indicates a long-standing or unresolved water issue, such as a hidden leak, slow drip, or chronic humidity.

Health Effects of Stachybotrys Exposure

Stachybotrys has earned its reputation due to its potential to produce mycotoxins, especially in environments with high humidity and low airflow. However, it’s important to note that not all Stachybotrys strains produce toxins, and the presence of the mold doesn’t automatically mean there’s an immediate health threat.

Still, the risks are serious enough to warrant immediate attention:

Potential Health Effects:

  • Chronic coughing and sneezing
  • Eye, nose, and throat irritation
  • Fatigue and headaches
  • Skin rashes
  • Wheezing or asthma exacerbation
  • In severe cases: respiratory distress, especially in infants, the elderly, and immunocompromised individuals

There have been controversial reports linking Stachybotrys exposure to pulmonary hemorrhaging in infants, but these claims are debated and not definitively proven. That said, any mold exposure in vulnerable populations should be taken seriously.

What Makes It Dangerous?

What sets Stachybotrys apart is not just the health concerns—it’s the difficulty in detecting it early. Since it thrives behind walls and under flooring, by the time it’s visible or smells musty, it may have already compromised indoor air quality or damaged building materials.

Additionally, home testing kits are not sufficient to determine if Stachybotrys is present. Professional sampling and lab testing are required to confirm it, as it often coexists with other molds that appear similar to the naked eye.

Final Thoughts: Don’t Panic—But Don’t Ignore It

Stachybotrys is serious, but it’s also manageable. The key is to act fast. If you suspect long-term water damage, musty odors, or persistent allergic reactions in your home or office, it’s time to bring in professionals.

At MSI, we’ve tested and remediated mold since 1998, including thousands of cases involving Stachybotrys. Our certified experts know how to locate, sample, and safely address dangerous molds—without fearmongering or unnecessary costs. This is one of the many reasons, we are the most trusted disaster restoration company in the business.