A Mold Guide for HOA Boards

When you’re on an HOA board, you’re not just managing a property—you’re managing trust, safety, and legal responsibility. And few things test that balance more than mold.

It might start as a stain on a wall or a complaint about a musty smell. But if left unmanaged, mold can quickly become a multi-unit, multi-thousand-dollar problem.

The Role of the HOA in Mold Situations

Mold responsibility isn’t always black and white. In most communities, the line is drawn between shared property (the HOA’s responsibility) and individual units (the homeowner’s).

Shared spaces like basements, exterior walls, roofing systems, or attics? The HOA is likely on the hook for both the inspection and any necessary remediation.

Inside a unit, if mold is caused by neglect or personal plumbing, the homeowner may be responsible. But if the source is a shared system—like a leaky pipe in the wall—it can fall back on the HOA.

This is why reviewing your CC&Rs (Covenants, Conditions & Restrictions) and consulting legal counsel is essential.

Why Prompt Action Matters

Delaying a mold inspection doesn’t just risk structural damage—it also risks resident health, insurance complications, and even lawsuits.

What’s at stake?

• Increased repair costs from mold spreading behind walls or floors

• Liability issues if residents get sick or units become uninhabitable

• Legal pressure if the board is seen as unresponsive or negligent

Many boards think they’re saving money by waiting—but mold spreads fast. What costs a few hundred dollars to inspect today can cost tens of thousands to remediate later.

Health Comes First—for Residents and the HOA

Mold exposure has well-documented health impacts. It can trigger asthma, allergies, and chronic respiratory symptoms—especially in children, seniors, or those with compromised immune systems.

If even one resident files a health-related complaint tied to mold, the board may need to show proof of proper action: inspections, testing, and communication.

Air quality testing is often the key to documenting the situation. It helps boards make decisions based on real data—not speculation.

If even one resident files a health-related complaint tied to mold, the board may need to show proof of proper action: inspections, testing, and communication.

Create a Mold Policy Before You Need One

Proactive boards put mold procedures in writing. Here’s what a smart policy might include:

• A clear process for resident complaints

• Defined response timelines for inspections

• Guidance on who pays for what based on location and cause

• Contact info for a certified inspection partner

• A commitment to transparency and documentation

This isn’t just smart property management—it’s legal risk management.

Partnering with the Right Mold Professionals

An HOA board needs more than a general contractor—they need a certified mold expert. At 24H Mold Inspection, we help HOAs:

• Identify the source of mold accurately

• Conduct air and surface sampling

• Provide detailed lab reports for board records

• Offer support in resident communications

We’re available 24/7 and licensed to work with multi-unit and commercial properties across California.

Final Thought: Act Early, Avoid Fallout

The longer mold is ignored, the more expensive and complicated it becomes. But with a responsive board, a clear process, and trusted inspection professionals, mold issues can be handled swiftly—and fairly.

→ Call now to schedule a certified inspection for your property