Article: Mold and pollution: When is a contaminant not a contaminant?

Mold and Pollution: When Is a Contaminant Not a Contaminant?t

I.

INTRODUCTION

Whether mold is a pollutant presents a question of considerable and pressing interest both to insurers and insureds who must deal with general policy forms that lack a mold exclusion but otherwise exclude pollution. Similarly, it poses coverage issues when insurers or insureds must deal with carriers who have incorporated specific pollution coverage without reference to mold losses. The frequency and cost of claims involving species of molds such as stachybotrys chartarum have become so high that insurers with both types of contracts need some certainty on this issue. Unfortunately, common parlance points in ...

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