Most Asked Questions About Water Damage

Water damage is one of the most stressful problems a homeowner can face. It often happens suddenly, spreads quickly, and leaves people unsure of what to do next or who to trust.

Below are the most common questions homeowners ask about water damage, answered clearly and honestly based on real-world experience.


The first priority is safety. If there is standing water near electrical outlets, panels, or appliances, power should be shut off if it can be done safely. If the source of the water is still active, such as a burst pipe or supply line, it should be stopped immediately. Once the source is controlled, avoid moving water around with household fans or shop vacuums. This can spread moisture into areas that were previously dry. Early decisions often determine whether damage stays manageable or becomes much worse.


Not every water issue requires an immediate response, but many do. Burst pipes, flooded basements, appliance failures, and roof leaks during storms should be treated as emergencies because water continues to migrate through building materials even after it stops flowing. Water trapped inside walls, floors, and insulation can cause damage long after the visible water is gone. Delays often lead to mold growth, structural deterioration, and higher repair costs.


Water damage begins immediately. Within hours, moisture starts soaking into drywall, wood framing, subfloors, and insulation. Within a day or two, materials can begin to swell, warp, or break down. If drying is incomplete, mold can begin growing within days under the right conditions. What homeowners often don’t realize is that water does not stay where it is visible. It travels through gravity, capillary action, and air movement, reaching areas that appear unaffected at first glance.


In many cases, yes — but it depends on the cause. Sudden and accidental events such as burst pipes, supply line failures, or appliance malfunctions are often covered. Long-term leaks, maintenance issues, or pre-existing damage may not be. Many homeowners don’t realize coverage exists until someone explains it to them. Proper documentation, timing, and clear communication with the insurance company can make a significant difference in how a claim is handled.


That depends on the extent of the damage. Small spills or isolated surface water may be manageable. However, once water enters walls, floors, basements, or crawlspaces, professional drying equipment and monitoring are often necessary. Professional restoration is not just about removing water. It involves measuring moisture, controlling humidity, and verifying that materials are actually dry — not just dry to the touch.


Drying time varies depending on the materials affected, the amount of water involved, and environmental conditions. Some situations can be stabilized in a few days, while others take longer. Proper drying requires more than time. It requires the right equipment, correct placement, and ongoing monitoring. Drying without verification often leads to problems returning later.


Yes. Mold does not require flooding to grow. It requires moisture, time, and organic materials. If water damage is not dried properly, mold can begin growing behind walls, under floors, or in insulation without being visible or noticeable. Early and thorough drying greatly reduces this risk.


No — and this is one of the most important things homeowners should understand. Some companies respond quickly, document thoroughly, and dry properly. Others focus on speed without accuracy, or billing without verification. Over-billing, incomplete drying, and improper equipment use are common problems in this industry.

Some companies lack the proper drying equipment for the size or type of loss. Others use untrained or uncertified workers who don’t understand moisture behavior, building materials, or safety concerns. In some cases, work is rushed or documented poorly, creating insurance issues later. A proper water damage response involves trained technicians, appropriate equipment, moisture monitoring, and clear documentation — not just fans and dehumidifiers.


One common mistake is assuming the problem is solved once the visible water is gone. Another is relying solely on household fans or dehumidifiers. Waiting too long to address hidden moisture is another frequent issue. Homeowners are also sometimes pressured into unnecessary work or confused by unclear explanations. Lack of transparency often leads to frustration and unexpected costs.


Signs of unresolved water damage can include persistent odors, humidity issues, recurring mold, warped materials, or discomfort when spending time in certain areas of the home. In some cases, health symptoms or repeated issues point to moisture that was never properly addressed.


If water damage affects structural materials, basements, finished areas, or continues to cause problems after cleanup, professional evaluation is often appropriate.

Water damage is stressful, but understanding what actually matters — response time, proper drying, trained workers, and clear documentation — can help homeowners avoid unnecessary complications.

Chaetomium Mold: The Hidden Danger After Water Damage

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 Chaetomium? And How This Mold Can Affect You

When most people think of indoor mold, black mold (Stachybotrys) usually comes to mind. But there’s another aggressive mold species that’s often overlooked and just as dangerous: Chaetomium.

This lesser-known mold is frequently found in water-damaged homes and buildings, yet few people—even some professionals—know how to identify it or understand the risks. At MSI, we’ve encountered it time and time again during inspections, often in places the average homeowner wouldn’t think to check.

What is Chaetomium?

Chaetomium is a genus of mold that typically appears as cottony, white, or gray at first, and then darkens to olive, brown, or black as it matures. It’s often found on cellulose-rich materials such as drywall, wallpaper, insulation, and baseboards—especially after water damage has occurred.

It’s particularly common in:

  • Leaky basements and crawlspaces
  • Water-damaged walls and ceilings
  • Under carpets or floorboards after a flood
  • HVAC systems with trapped moisture

One of the key indicators of Chaetomium is a musty or earthy odor, sometimes stronger than what other molds produce.

How Does Chaetomium Enter a Home?

Like many molds, Chaetomium spores are airborne. Once moisture is introduced—whether through a leak, flood, or high humidity—it can begin to grow on organic building materials. It spreads quickly in damp conditions and thrives in environments that remain wet for extended periods.

Failure to properly dry and remediate a space after water damage often leads to Chaetomium growth alongside other mold species.

Health Risks Associated with Chaetomium

This mold isn’t just an eyesore—it’s a health hazard. Studies have linked Chaetomium exposure to a variety of health issues, particularly in individuals with existing respiratory problems, allergies, or weakened immune systems. Some of the most common symptoms include:

  • Chronic sinus congestion or irritation
  • Skin and nail infections
  • Headaches and fatigue
  • Persistent coughing or wheezing
  • Aggravated asthma symptoms
  • Neurological symptoms in extreme, prolonged exposures

It’s also been found in some cases to produce mycotoxins—harmful substances that can cause cellular damage or immune suppression in sensitive individuals.

Why DIY Mold Cleanup Isn’t Enough

Chaetomium often grows behind walls or underneath surfaces, which means visible mold is just the tip of the iceberg. DIY bleach sprays or quick cleanups won’t solve the problem and may spread spores to new areas of your home.

Professional testing and remediation are critical to identify the full scope of the problem and remove it safely and thoroughly.

Trust the Experts at MSI

MSI has been identifying and remediating dangerous molds like Chaetomium since 1998. With over 10,000 successful mold tests performed and a reputation as a trusted expert witness in mold litigation cases, we know what to look for—and how to get rid of it for good.

If you’ve experienced water damage or notice a musty odor in your home, don’t wait. Contact MSI today for a professional mold inspection and take the first step toward a safer, healthier home.