walls and ceilings. the couple says the first time they noticed any water damage was the leak behind the refrigerator which the couple things.er had fixed. the leak had caused extensive damage throughout the area. the customer said they wanted to repair the damaged your right away but the insurance company said no. >> we had asked the insurance company in writing to allow us to begin repairs immediately and at least rip out some of the wet flooring. and the insurance said that if i had made repairs during their investigation, that i would lose coverage. >> scientific experts say that most household molds are harmless. but with stachybotrys, the mold must be removed immediately, since it is capable of