Home Insurance Guidelines: In recent years, horror stories about “toxic mold” growth in homes, businesses and schools have become a common theme in the news. These headlines have all got us wondering: just how afraid of mold, fungi and bacteria should we actually be?Mold spores can certainly be toxic, but scenarios in which growths are large enough to pose poisoning risks to humans are rare. The more common problem with out of control mold growth is property damage. What’s worse is that most insurance policies don’t cover mold damage, and typically insurers deny these kinds of claims. So, what should you do when you find mold, fungus or bacteria in your home? “The more common problem with out of control mold growth is property damage…and typically insurers deny these kinds of claims.” Types of Mold For homeowners, the most important kinds of molds to know about are the four most common indoor molds: Cladosporium, Penicillium, Alternaria, and Aspergillus. Mold is happiest and grows best where conditions are warm and damp, so basements and showers are high-risk growth areas. Check out the CDC’s list of basic facts about moldshere for more details.In terms of health, the good news is that most…