The problem is that there are numerous molds in high humidity areas, most of which are just a nuisance. However, Stachybotris (sp) has been shown to MAY cause health problems. Numerous buildings have been closed, including schools, fire stations, etc and people in bio-warfare suits come in to clean them, or in one case, the building was condemned. The major lawsuit is a home near Austin - multi-million judgement against the homeowner's ins. co - failure to act promptly to clean it up. Home will probably be demolished. Latest action is a new homeowner's policy that restricts mold damages to $5000. The main culprit appears to be water that leaks (ac systems, leaking pipes, etc) and is not found or if found, not cleaned up promptly. Talked with a new home builder - if new carpet gets wet for some reason, instead of simply pulling it back to let it dry, they rip it out to avoid any future claim. Watch for similar notes in FL,LA, MS, etc. where attorneys find mold to be worth its weight in gold.