Search

Online Self Study
Ethics
Seminars
Referral Corner
About Us
About Us

About Us
Sign Up - Free Newsletter
Personal Lines
Date Type Title
12/22/2006 Default Setting Liability Limits
12/22/2006 Default Umbrella Liability Proposal
12/22/2006 Default Vacancy Under the Homeowners Policy
12/22/2006 Default Vacant Land: What is on that land that God did not put there?
12/22/2006 Default Uncovering Business Activities in the Home
12/22/2006 Default What is occupancy?
12/22/2006 Default Is it a Business?
12/22/2006 Default Case Study: Vehicle Damage
12/22/2006 Default Case Study: Electronic Apparatus
12/22/2006 Default Case Study: Where You Reside
12/22/2006 Default Case Study: Electronic Apparatus
12/26/2006 Default Mold: EO pointers
12/26/2006 Default The Condominium: A Unique Form of Ownership
12/26/2006 Default Mold: The Industry Response
12/26/2006 Default Mold: The Exclusions
12/26/2006 Default Mold: Why Now?
12/26/2006 Default What is Mold?
12/26/2006 Default Mold Litigation
12/26/2006 Default Identity Theft: The New Endorsement
12/26/2006 Default The Mold Problem
12/26/2006 Default Unit Owners: Setting The Building Limit
12/26/2006 Default Unit Owners: Listing The Mortgage Holder
12/26/2006 Default The Trust and Personal Insurance
12/26/2006 Default Diminution in Value: The New Endorsement
12/26/2006 Default Insuring Golf Carts
12/26/2006 Default Newly Acquired Autos
12/26/2006 Default Homeowners 2000: The Business Liability Exclusion
12/26/2006 Default Homeowners 2000: Personal Property Used In "Business"
12/26/2006 Default Homeowners 2000: The Definition Of "Business"
12/26/2006 Default Homeowners 2000: Other Structures Used In "Business"
12/26/2006 Default Homeowners 2000: Changes In "Business"
Return to Articles

Last Updated: Tuesday, December 26, 2006
Type: Default
Keywords: Mold: Why Now?
Mold: Why Now?

The Mold Insurance Claim Explosion: why now?


By Phyllis Van Wyhe, CPCU, CIC, CSPPrintable Version


Mold has been on this planet forever; even the Bible describes an effective technique for ridding a building of mold.  If you are asking "Why has it become a problem now," you are not alone.  Let's look at some of the obvious reasons.

  • Modern, Air-Tight Buildings After the energy crisis of the 1970's, we improved the energy efficiency of our new construction, we instituted new building codes, and we retrofitted existing buildings.  Gone are the drafts that moved moisture and allowed some of it to escape the building.

  • Modern Building Materials
    Modern building materials are breeding grounds for mold.  Drywall is better for growing mold that plaster walls.  Stucco has been replaced by EFIS.

  • Shoddy Construction Practices
    The breakneck pace of construction throughout the 1990's allowed many homes and buildings to be constructed with defects which allow water and moisture to seep into the interior.

  • Improvement in Medical Diagnostics
    An increasing number of asthma cases are now being traced back to mold and medical experts are now blaming many cases of allergies on mold.

  • The Media
    Publicity has brought the mold issue into the living room of every American.  The local news, national news, television news magazines, newspapers, print magazines, the Internet, and even drive-time talk radio all carry stories inspiring fear of mold and terror of mildew.

  • Aggressive Attorneys
    The newest mantra for the legal profession is "There is gold in mold."  Attorneys train other attorneys in how to sue for mold and how to defend the mold claim.

In the past two years, there has been a major confluence of factors, independent factors, coming together to create a Big Bang.  Out of it emerges the mold melodrama.


Last Updated: Tuesday, December 26, 2006
Type: Default
Keywords: Mold: Why Now?

Legal Disclaimer:
The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this information.  This information is not a substitute for the advice of a competent insurance, legal, or other professional. For more information, see
The InsuranceCE.com Terms of Use on our legal page.