Recent Mold Remediation Posts

3 Ways Liability Insurers Avoid Covering Mold Claims

3/4/2022 (Permalink)

A wall covered in mold Insurance companies continue to create new ways to avoid CGL coverage for mold insurance claims.

Liability Insurers Avoid Covering Mold Claims In Three Ways.

Mold has been receiving a lot of media attention lately, and an unprecedented number of mold-related lawsuits have been filed in recent years. Insurance companies have responded to the sudden increase in mold insurance claims by finding new ways to exclude mold coverage from commercial general liability policies.

1. Exclude Mold Claims Under Existing Policy Exclusions

When mold claim numbers first started to spike, liability insurers attempted to deny coverage for mold-exposure claims under two exclusions that were standard at the time: the Pollution exclusion and the Business Risk exclusion. Denials under these exclusions were questionable at best and did not hold up well on appeal: Mold infestations don’t quite fit within the commonly understood framework of either type of exclusion.

2. Add Specific Exclusions for Mold Claims to Policy Terms

It soon became clear that the Pollution and Business Risk exclusions were not reliable grounds for denying mold insurance claims. Consequently, insurance companies began adding new endorsements to CGL policies that did specifically exclude mold coverage. A common example is the “Fungi or Bacteria Exclusion,” which specifically excludes coverage for mold remediation costs and mold exposure claims. Another example is the “Limited Fungi or Bacteria Coverage” endorsement, which specifies a separate, often very small, coverage limit for mold-related claims.

3. Offer Mold Coverage as a Separate Policy Type

In addition to adding mold-specific exclusions to their CGL policies, some insurance companies began offering pollution legal liability policies, which specifically include mold within the definition of “pollutant.” Companies that offer both PLL and CGL policies usually have policy language stating that any claim that could be covered under the PLL policies is completely excluded from coverage under the CGL policies.

Insurance companies continue to create new ways to avoid CGL coverage for mold insurance claims. Erie, CO, contractors and business owners should carefully review all policy changes and discuss any concerns with their insurance providers.

3 Essentials of Mold Growth

9/19/2019 (Permalink)

Mold spores inside of the wall of a dresser Mold spores inside of the wall of a dresser in Erie, CO

3 Points That Can Help You Prevent Mold

Most homeowners have a desire to protect their property, keeping it clean and in good condition. Despite the best of intentions, though, it can be hard to completely avoid mold because it often results from issues not evident to the eye. Understanding the fungus and how it spreads, however, could give you a chance at prevention. With that in mind, here are three points to help prevent mold growth.

1. Anything Grows

With thousand of species, there are many different forms that could enter the home. For example, aspergillus, stachybotrys atra (also known as black mold), and cladosporium are just a few commonly discovered. They are harmless until they react with high humidity or other forms of moisture. It's at that point that they spread and destroy. Just keep in mind that type doesn't matter. All mold needs attention because all mold spores can devastate the house.

2. Mold Loves Water

If you don't want an infestation, keep areas dry and cleaned. For this reason, repair water damage immediately. Fix leaking pipes, wipe up water spills, and keep bathtubs and sinks from overflowing. If you're concerned, you can research and purchase alarms for washing machines and sinks. Should water topple over the rim, an alarm sounds. In addition, encourage small children not to splash the dry wall during a bath and run the air vents when in the shower. Sometimes what seems like harmless activity can actually cause trouble further along.

3. Clean It Immediately

Once you suspect mold growth is present, contact a mold remediation company in Erie, CO. Allow the professionals to inspect your residence. They can run tests to determine what form is present and then work on removing the spores from your home. This does require time, but it is necessary to return your place to normal.
Mold growth of any kind can invade the home, becoming problematic when water and moisture activate the fungus. Therefore, keeping your home dry and fixing water problems is important. It's not a guarantee though. If you suspect any issues, contact the experts for help.