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Over the past few years, the number of negligence law suits against building owners and managers, contractors, and their insurers claiming personal injury or property damage from mold has exploded. Insurance companies across the country have added riders to their homeowner policies, specifically excluding coverage for personal injury resulting from mold. Homeowners, apartment tenants, and many businesses, such as hotels and motels, also not covered, reacted by suing for negligence, leaving builders, contractors, building managers, and rental and commercial property owners highly vulnerable to litigation.

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