Loss or damage arising from mould or mildew is included if it is caused by an insured peril. For instance, there is ingress of rainwater but this is not discovered until some time later. The wet goods have partially dried but mould or mildew has appeared. The proximate cause of the loss was as a result of the rainwater which is an insured peril, therefore this would be covered under the Policy. If mould or mildew appeared after a period of time and there was no clear evidence of an ingress of water, but this was simply due to the storage unit being damp or the goods damp at the time storage commenced, then any loss or damage would NOT be covered under the Policy.