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It depends on the type of AC unit and the extent of the mold growth. For example, if you have a small amount of mold in your central air conditioner, it’s worth cleaning it to protect your HVAC system and your health. In situations like these, you can often remove the mold yourself in a couple of hours. On the other hand, if you have a portable AC unit with a severe mold problem, it makes more sense to buy a new one. On average, replacing a portable AC unit costs $100 to $500.

Whether it's safe to stay in a house with water damage depends on the severity of the issue. If the damage is minor, such as from a small plumbing or window leak that is caught early and hasn't affected the electrical system or led to mold, it is likely safe to stay. However, for major water damage from flooding or standing water, it is not safe to remain in the home. The primary risks include mold growth, which can begin within one to two days and poses a serious health risk; structural damage that can weaken your home's integrity; and electrical hazards. It is strongly recommended to relocate until a trained professional has inspected the damage, dried the area, treated any mold, and confirmed the home is safe to return to. Your insurance company may be able to help with the cost of alternative housing while repairs are being made.

Depending on the location of the water leak, it could go undetected for weeks, months, or even years in some extreme cases. Most homeowners who have plumbing leaks have slow drips, so you might not see signs of damage until they become severe problems. It’s a good idea to have a plumbing inspection done annually and to take steps yourself to check for leaks, including inspecting your floor, walls, and ceilings for signs of water damage, monitoring your utility bills, and looking for water around appliances and fixtures.

Just because you find mold in your home does not mean you need to pursue professional remediation services. You can often clean small amounts of surface mold, such as in bathrooms or on windowsills, using household products. However, extensive mold growth, persistent odors, or mold caused by water damage require professional remediation. A good rule of thumb is to hire a pro when the mold is in an area larger than 10 square feet, poses health risks, or affects the structural integrity of your home.