The greenish-black mold behind the "black mold" name, which grows on wet high-cellulose materials like drywall, fiberboard, and paper.
Stachybotrys chartarum is a real genus and species, and it is the organism people are usually thinking of when they say black mold. CDC describes it as a greenish-black mold that grows on material with a high cellulose content, such as fiberboard, gypsum board, and paper, when moisture is present from water damage, water leaks, condensation, water infiltration, or flooding.
The most useful thing about finding it is not the species name. It is what the species implies about the building. Stachybotrys needs sustained wetness on cellulose to establish, which means finding it is strong evidence of a chronic or repeated water problem rather than a one-off spill that dried on its own. In a remediation, that pushes the investigation toward roofs, plumbing in walls, chronic condensation, and building envelope failures.
On health, CDC is measured, and it is worth resisting the more dramatic claims made elsewhere. Its guidance is that Stachybotrys chartarum and other molds may cause nonspecific health symptoms, that any mold found in a building should be removed, and that all molds should be treated the same with respect to potential health risks and removal. The remediation does not change because of the name.
Where we find it, the scope is driven by the same things as any other growth: the moisture source, the extent of Condition 3 growth and the Condition 2 area around it, containment sized to the contamination, physical removal of affected porous materials, drying to a dry standard, and independent verification.
The one practical difference is investigative rather than procedural. Because it indicates sustained moisture on cellulose, we look harder for a long-running source, and we are more likely to recommend opening adjacent assemblies to check whether the growth extends further than the visible patch suggests.
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Last reviewed against these sources on August 26, 2026. These definitions are general information about restoration work and property claims in Florida, not legal advice or a coverage opinion. Your policy language and the facts of your loss control what is owed. Swift Response Restoration Inc is a licensed restoration contractor, not an insurer, a public adjuster, or a law firm.
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A common name rather than a species, and one that misleads: CDC advises that all molds be treated the same way for removal regardless of type or color.
Mold actively growing on a material, which requires moisture, a food source, and time, and which is why remediation always starts with the water.
Sampling to answer a specific question. Neither CDC nor EPA recommends routine testing to decide whether visible mold should be removed.
The IICRC S520 grading of a space: Condition 3 is active growth, Condition 2 is settled spores from it, Condition 1 is a normal fungal ecology.