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Guidelines for Mold Insurance
Coverage Approved in Georgia
Insurance Journal: The Property
Casualty Magazine, June 2, 2003
The Georgia Department of Insurance released comprehensive
mold endorsement filing guidelines, providing insurers with guidance on the minimum level
of mold coverage required in homeowners and commercial lines policies.
According
to the American Insurance Association (AIA), which was part of an industry group that
negotiated with state regulators, the guidelines don't allow for as much flexibility as
carriers had wanted but they define clearly the scope of mold coverage the state will
require.
For
homeowners policies, the new Georgia guidelines are comparable to pending ISO filings.
The guidelines provide that mold damage ensuing from a covered peril is covered up to the
policy limits. They also require a minimum level of remediation coverage (for example,
for air sampling and testing expenses) when mold results from a sudden and accidental
water loss, plus the option for consumers to buy additional remediation coverage.
For
commercial property and liability coverage, insurers wanted a greater range of coverage
options than the Georgia guidelines allow, in light of the explosion in mold litigation,
and the exorbitant costs involved in defending these cases.
"AIA
appreciates the willingness of the Department to include insurers in this process,"
Raymond G. Farmer, AIA assistant vice president, southeast region. "The surge in mold
claims over the past two years has required insurers and regulators alike to work
together to establish rational standards for mold coverage that provide consumers and
businesses sufficient coverage options while also preserving a viable insurance market."
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