After a period of favorable mold litigation and commercial lines underwriting trends, Hurricane Katrina has cast a new spotlight on the environmental insurance coverage of mold, particularly as applied to personal homeowners policies.

While insurers had become increasingly comfortable with the science associated with the risk and treatment of mold before Katrina, cleanup and rebuilding efforts in the aftermath of hurricanes will raise new questions and teach new lessons about coverage for underwriters and brokers.

Still, in spite of some recent complications presented by the unprecedented levels of hurricane activity, the insurance industry–having obtained a greater understanding of mold science and treatment–is now well equipped to address the underwriting of mold within the broader environmental risk arena.

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