OK, I haven't "seen" a mold causing this...but can smell ammonia/cat pee strongly where some Meranti marine plywood (BS1088 btw...) used as a subfloor has gotten wet. The two different places both got wet when we had quite a bit of rain and hatches were open. In both cases soaked and in both cases strong cat pee smell immediately. One place the plywood has a synthetic tile on top of it (bedded with a silicone sealant) and the other place the plywood is sealed with Smith's CPES but the top material (some teak) hasn't been installed over it.
So...I know that ammonia smell as we've owned cats but I also know my own cat never had any opportunities to anoint these particular locations and he died about a year ago.
I also suspect a mold because last year (cat already passed) we had a smell of ammonia in some bedding and clothes (that we hadn't used) and I ended up doing lots of laundry to make sure the smell was gone. With no cat in the boat, it was a real mystery and now this "new" smell is also a mystery.
Any clues? Appreciate anyone with similar experience letting me in on what this could be.