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Black Mold
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Insurance Companies Reviewing Covering Black Mold Damages.
How does this apply to your coverage?
Some
insurance companies in Kansas are protecting themselves from black mold damage on your
home.
The change comes after a Texas homeowner won a $32 million
jury award last year. Eyewitness news has learned renewal notices
sent to Allstate Insurance customers explain changes to the company's policy on
this kind of damage. Simply put: the company won't cover it.
Homeowners with Allstate Insurance may have received a letter
that explains what the insurance company will and will not cover concerning mold. Allstate
eliminated coverage for loss caused by mold, fungus, wet rot, dry rot and bacteria.
Allstate Insurance Company says it's protecting its policyholders and itself from mold. In
recent years, this problem has cost insurance companies and homeowners billions of dollars,
causing rates to shoot up and in some cases, more than a thousand percent.
Allstate says it has always excluded this
kind of claim as a cause
of loss. The company wants to make the wording more clear because it has become such an
issue the last few years.
The Kansas Insurance Commission says it's been reviewing
requests like Allstate's to clarify it's policy. The Kansas Insurance
Commission has been reviewing the requests to make sure the language is straight forward.
The commission says it's trying to keep a competitive market for consumers and not force
insurers out of the state due to unrealistic regulations.
Assistant state Insurance Commissioner Matt All says he
doesn't want what happened in Texas to happen here in Kansas. Texas has the nation's
highest average homeowners insurance premium, at over $850 a year. The Insurance
Commissioner's office advises you to be vigilant when purchasing a homeowner's policy.
Insist that an agent explain in detail what is and is not covered. If you're concerned
about black mold, make sure you ask about it specifically. The department says if you have
any concerns about your policy you can call them toll free at 1-800-432-2484.
The Dallas Morning News
After finding spores in a custodian's closet last week,
the city of Frisco has decided to check all its occupied municipal buildings for the
potentially toxic fungus.
"We're trying to be proactive and do the right thing and make sure that we're
providing as safe a workplace as possible for our employees," Jason Gray, assistant
to the city manager, said Wednesday.
The second wave of testing will be directed at City Hall, as well as buildings that hold
the Planning Department and development services. Then the municipal service center and
fire stations No. 2 and 3 - the smallest facilities in terms of square footage - will be
examined.
Last week, air quality tests at the Plano school district's Jupiter Center revealed
dangerous levels of black mildew and caused that building to be evacuated. That was the
fourth building scare reported in Plano in recent weeks. The city's animal shelter,
another school and a local hospital have dealt with similar black mold problems.
In the last year, more incidents of mold have been found in at least
eight buildings in North Texas, including a Far North Dallas apartment complex that on
Friday gave its tenants 30 days to vacate. And on Tuesday, a library in Farmers Branch was
closed after small amounts of the greenish black mold were discovered in the walls.
Above excerpt adapted from the Dallas
Morning News
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