I've been saying the same thing for years and was pooh-poohed by all.
It just another envirnonmental buzz word to replace lead, radon, etc.
Ever notice the photos everybody points to as an example - a bath filled with mold from ceiling to floor several inches thick - I ask you, what idiot
lets a bathroom get in that condition before they fix the leak and clean the damn mold off the walls ?
Take as many steps back as U want, Today's lawyer Buzz word is MOLD. Does not matter rather your right or wrong it's the cost of defending yourself that the lawyer's use. Cheaper for insurance to pay than defend.
I have always held that the appraiser's job is to determine value; not environmental condition. Of course, if there is evidence that mold will lower the value of a property, then you are obligated to take it into account. In my market, there has been little evidence (so far) to this effect. I just did one the other day that had some mold from a known cause; the former owner let the washer hook-up drip after disconnecting the washer. My response: list it, (probable cost to cure is a new piece of drywall) and recommend a home inspection.