The kitchen calendar reads January 2003. The clock on the stove
perpetually flashes 12:00.
The day Mary McKinstray fled her $250,000 Carmel home and her
possessions is frozen in time.
"My doctor said, 'If you value your life, never go in that house again,'
" said McKinstray, a former Merck drug saleswoman who has moved into a
spare bedroom in her parents' house.
In a lawsuit filed in April against Precedent Homes and the home's
builder, Robert W. McKinney, McKinstray alleges her house in Precedent's
Ashbury Park is contaminated with toxic mould that sickened her for
months. The worst was a seizure that put her in the hospital overnight.
Precedent counters that environmental tests did not find any harmful
levels of mould. McKinney "disagrees with the buyers' allegations that
there is a mould problem in the home, or that the home presents any risk
of harm," said his attorney, Joe Wendt.
Increasing public awareness of health risks from mould has homeowners
checking baseboards and crawl spaces for signs of moisture. Some, like
McKinstray, are filing lawsuits against builders who, they say, are
unresponsive to homeowners' concerns.
One of the area's largest builders -- Trinity Homes -- and parent Beazer
Homes Investment Corp. face at least two lawsuits from homeowners this
year over mould concerns. The companies are tearing out and replacing
brick in dozens of their newer homes.
Nationwide, the insurance industry estimates that 10,000 mould-related
lawsuits are pending, up 300 percent from 1999. In 2001, a Texas jury
awarded a couple $32 million for mould in their home, though the amount
was later reduced to $4 million. Television personality Ed McMahon won a
$7 million award from his insurance company over mould.
In Indiana, where insurance companies are not required to cover mould in
homeowner's policies, builders often become the focus of litigation.
Homeowners, attorneys and home inspectors blame mould on sloppy
construction -- particularly involving homes with brick walls.
Some point to the home-building boom that tempted busy builders,
desperate for labor, to hire bottom-of-the-barrel masons and other
subcontractors. Those crews often failed to allow for a sufficient air
gap between brick and the outer wood sheathing. Overwhelmed municipal
building inspectors couldn't keep pace with the construction frenzy.
Whether construction quality is worse than ever is debatable. But
experts agree that mould-related health problems may be more common today
because of tighter, energy-efficient designs that reduce ventilation.
"The mould issue -- every jurisdiction in Central Indiana is experiencing
it," said Jeff Kendall, building commissioner of Carmel.
Who should be held responsible for mould and what health danger it poses
increasingly are being fought over in court, as attorneys see mould as
gold.
Precedent Homes, which arranged the sale of the home to McKinstray but
did not build it, said an environmental testing service it hired
determined that the mould was isolated and not hazardous.
"In addition to our own analysis, we received a copy of the mould
assessment report by another reputable environmental firm hired by the
homeowners, which concluded the indoor mould spore concentrations were in
an acceptable range," Todd Fenoglio, president of Precedent Homes, said
in response to the McKinstray suit.
McKinstray said it's just the opposite -- that the tests showed
dangerous levels of the microtoxins aspergillus and penicillium.
Her suit in Hamilton Circuit Court alleges elevated levels of
toxic-producing fungi in the air, on attic framing and on crawl space
framing.
Problem starts with brick
The suit attributes crawl space mould to loose fiberglass insulation that
transferred moisture onto floor joists. It cites an improperly installed
vapor barrier and poor ventilation in the space.
The lawsuit also alleges inadequate caulking around windows and says
mould in the attic probably stemmed from wet wood during construction.
While wood has allegedly caused problems in McKinstray's home, many mould
complaints come from residents of new homes with brick exterior walls.
Not long after Frank Bireley and his family moved into their new home
last year in Williamsburg Villages in Hendricks County, their
10-month-old daughter developed a persistent cough. It grew worse, and
she was hospitalized. A specialist at Riley Hospital for Children made a
link to mould.
Bireley's builder, Trinity Homes, hired a firm to assess the house for
mould.
The problem was traced to bricks that were butted tight against a
moisture barrier covering sheathing that is nailed to wall studs.
Bireley grew impatient this fall when he could not get an idea of when
Trinity would make the repairs. "I also threatened to put a sign in my
yard," he said. His home is near a new Trinity development.
He received a call from Trinity's law firm, which he said had sought his
daughter's medical records. Bireley, who works in the legal department
of a large insurance company, refused. He argued that the builder was
placing itself in a precarious legal situation.
About a month ago, workers showed up at his house with hand-held
jackhammers and tore out bricks where an environmental testing firm
found moisture problems. "It looks like you could pick up our house and
move it to Afghanistan," Bireley said.
So far, Trinity has been helpful. "We love the house," he added.
Hundreds of homes involved
Trinity, which builds 500-600 homes a year and is among the city's 10
largest builders, is facing mould complaints at several other
developments in the area.
Last month, Christopher and Mary Colon filed a lawsuit in Hamilton
Superior Court against Trinity and parent Beazer. The suit, seeking
class-action status, alleges that improperly applied brick caused mould
infestation at the Colons' 2-year-old home at Prairie Crossing in
Noblesville.
The moisture problem potentially involves hundreds of Trinity homes in
Indiana, said the couple's attorney, Richard Shevitz of Cohen & Malad
LLC in Indianapolis.
The suit complains that Trinity has not offered to buy back mould-damaged
homes in Prairie Crossing, despite doing so in its Brittany Chase
development, where Trinity said it has bought back four homes.
The builder has not made buyback offers at other developments, including
Arapaho Point, Huntington Woods, Spring Farms and Plum Creek, the
complaint states.
Trinity responded in a statement Friday that there have been a number of
refinements in its remediation plan, which it said was developed by a
national expert.
"Remediation has been our goal and our practice from the beginning," the
company said.
Meanwhile, Noblesville building inspectors responding to consumer
complaints have sent Trinity a letter. It states that the company's
homes under construction are subject to additional inspections -- both
when bricks have been applied in the initial stages and again later,
said Noblesville Planning Director Steve Huntley.
Residential building codes adopted by cities must be at least as
stringent as those adopted by the state.
Generally, if the sheathing nailed to the outside of studs is
"water-repellent," Indiana requires masons to maintain a 1-inch air gap
between the brick and the sheathing. If the gap is less than 1 inch, a
"weather-resistant" membrane -- such as asphalt paper or Tyvek wrap --
must be applied to sheathing that is deemed to be weather-repellent.
The codes were written because brick is porous and can become saturated
with water.
But enforcement has been difficult because of the speed at which brick
goes up and the limited number of inspectors.
"What sometimes happens is they have masons with varying degrees of
skill that do not always maintain that air space. It's very difficult to
camp an inspector out at a project when the brick is going up," said
Carmel building official Kendall.
"You can go there one day and there's no brick at all. And then three
days later, it's all covered," said Jerrold Hochstedler, a seasoned home
inspector for CW Schnepf & Associates.
No state standards
When Hochstedler finds moisture problems, it's often because masons have
not left an air space or don't wrap the wood sheathing in a barrier.
Another problem is when an air space becomes clogged with mortar, said
Doug Wehr, president of Clear View Home Inspections. Mortar can pull
moisture from brick into wood and drywall, especially if a vapor barrier
is missing or damaged.
When inspecting a house under construction, Wehr takes a flashlight and
looks for debris in the gap between the brick and the house.
Conscientious masons will keep a rope laid horizontally in the space to
catch falling mortar and pull it out, but hardly anyone does that
anymore, he said.
Unless the problem is caught during the inspection process, homeowners
might not notice it until they become ill.
Indiana has no legislation to set standards for mould exposure in homes.
A House proposal to create a mould task force died last year in the
legislature.
California's "Toxic Mould Protection Act," which became law in 2001,
includes a study on adopting exposure limits for indoor mould. The law
requires that guidelines be developed for removing mould and disclosing
its presence when renting or selling property.
At least 10 other states have enacted or are considering mould
legislation, according to the National Association of Mutual Insurance
Companies.
One problem legislators and industry experts have encountered is that
there are hundreds of types of molds, and they affect people
differently.
"We've seen it . . . where it doesn't bother the husband, and the wife
is having seizures," said R. Ross Williams, president of Artec
Environmental Monitoring, an Indianapolis company that tests homes.
McKinstray said she didn't have breathing problems -- let alone asthma
-- before moving in December 2001 from a rural area near Mount Vernon,
Ill., to Carmel to be closer to her parents. At one point when she lived
in the Carmel house, her doctor said she lost nearly 40 percent of her
respiratory capacity.
"I had a bad respiratory infection within weeks. I always joked that in
the drug industry, we never got sick," she said. At one point,
McKinstray said, "I couldn't get out of bed for almost two weeks."
The first visual clue to a problem came when she and her sister, Joan --
also a plaintiff in the lawsuit -- were decorating. "The first picture
we tried to hang, we sunk a molly bolt, and the drywall crumbled."
They also noticed shell fungi growing on a wood-siding wall in the back
of the house.
Health hazard
McKinstray won't re-enter the house, and others also have been cautious.
McKinstray shows a photo she took of a dry-cleaning company employee who
arrived to assess the condition of her clothing. He was suited up in a
chemical suit and respirator.
Last Christmas, McKinstray had another seizure. She said a serious sinus
condition followed in January.
That was the last straw.
"Within a week of moving out of the home, my coughing disappeared."
Meanwhile, she continues to press Precedent to fix the home, which she
estimates could cost $70,000.
McKinstray said Precedent has refused to buy back the house. She
purchased the home through Precedent and argues that she didn't know
until closing that McKinney built the house. She alleges that Precedent
agreed to provide a warranty and should be held responsible.
Precedent's Fenoglio said his company corrected a number of problems
with the house and "made numerous good-faith efforts to rectify any and
all legitimate concerns presented by the buyer."
But McKinstray won't go inside. Peering through the windows is as close
as she now gets to a dream home she thought would be the last place
she'd ever live.
"I almost think of it as having a fire or tornado, except what we own is
still sitting in it."
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