Mike, its unfortunate that you a housing inspector doesnt know much about mold, mold spores and mycotoxins but I'll try to give you a better understanding of how mold works. Mold releases mold spores in order to survive, these mold spores are just waiting for the perfect conditions to colonize once they do the whole process starts all over. As time goes by mold overtakes the structure, once a person is exposed long enough regardless of where the mold is they can and will have health issues. Once the hvac is turned on the spores are sucked into through the return and and distributed through out the house making the house as contaminated as in my case the crawl space. Depending on the individual and their susceptibility to mold will determine what course of action that person will have to take beings no one knows whether they immune system will be able to remove the toxins one must assume the worst and hope for the best. I am one of those people whose immune system cant detox as fast as Im ingesting mold spores so the toxin continues to build up in my system causing a whole host of other illnesses due to mold and the mycotoxins that are in the air. Theres a term called Sick Building Syndrome (SBS) which is recognized by the EPA you can read more about it http://www.epa.gov/iaq/pubs/sbs.html. Regardless of what the toxin is if exposed long enough it will over come the individual and create health issues. Mold is one of those toxins that some people (like myself) cant handle and must practice extreme avoidance to allow their system to remove the toxin and regain their health. Beings youre an inspector all Im asking you to do is take the time to read how mold can destroy a person life and take years to regain their health. In the mean time they have lost everything to isolate themselves because if they dont they'll never recover. Below are the pictures of my crawl space, hard to believe someone could actually miss a crack that size and that much water damage not to mention the mold on the a/c coils. Click to Enlarge 56.95 KB Click to Enlarge 58.63 KB