Is toxic mould syndrome 'the new asbestos'

Toxic mould syndrome (TMS) is beginning to send shivers down spines of built environment professionals. Both builders and landlords need to be aware of the risks.

It could become "the new asbestos", according to a note released by consulting engineers Buro Happold.

And some insurers are excluding it, as they do asbestos, from professional indemnity cover.

"The term 'toxic mould' is in itself emotive and often appears to be used inappropriately but experiences across the Atlantic are making some UK insurers very nervous," writes Buro Happold consultant David Cowles.

Indeed, the Financial Services Authority has warned that toxic mould could be among the "fresh shocks" in store for insurers already rocked by legacy issues like asbestos.

People are winning billions of dollars in claims in the US. Some are suing builders for creating environments where moulds flourish. Strains of this mould can make people sick.

Moulds thrive on any cellulose-rich material, like wood, ceiling tiles, and carpet. This means that buildings in themselves provide food for the micro-organisms. The active ingredient is moisture, which allows the moulds to flourish and reproduce.

The breeding grounds
Toxic moulds are not new, but experts believe modern buildings – warm, airtight and air conditioned – provide fertile ground for toxic mould.

"We're living in grow bags," says Jeff Charlton, a consultant who specialises in assessing the occurrence of TMS. "A family of four breathes about 20 litres of water a week."

He believes builders involved in post-flood restorations could be liable to court action if they do not dry out buildings properly, or if they are not properly trained in the dangers of toxic mould. He says he spent four years dealing with toxic mould in the US, where claims activity is high, and that he has already advised a dozen legal firms in this country.

Charlton warns that councils and social landlords may also be at risk of claims.