{
  "id": "RS21280",
  "type": "CRS Report",
  "typeId": "REPORTS",
  "number": "RS21280",
  "active": false,
  "source": "EveryCRSReport.com",
  "versions": [
    {
      "source": "EveryCRSReport.com",
      "id": 103089,
      "date": "2002-08-06",
      "retrieved": "2016-05-24T20:06:16.604941",
      "title": "Toxic Mold: Insurance and Legal Issues",
      "summary": "Allegations of bodily injuries and property damage resulting from toxic mold in home and work\nenvironments have triggered litigation across the nation, and, as a result, have prompted insurers and\ngovernments to grapple with coverage of risks to property and health resulting from exposure to\nmold. To minimize their financial exposure to these losses, insurance companies have variously\nbeen excluding mold risks from coverage on their standard policy forms, raising premiums,\nincreasing deductibles, and capping coverage. The perils associated with toxic mold coupled with\nthe insurance industry's reduction in coverage have attracted the attention of state and federal\nlegislators. Many states now regulate coverage against mold-related damage. In Congress,\n H.R. 5040 , alternatively entitled the \"United States Toxic Mold Safety and Protection\nAct of 2002\" and the \"Melina Bill,\" would, among other things, establish a federal insurance\nprogram to cover risks related to toxic mold. Emphasizing insurance issues, this report provides a\nbrief summary of perceived perils, legal issues, and legislation associated with toxic mold. As\ncircumstances warrant, this report will be updated.",
      "type": "CRS Report",
      "typeId": "REPORTS",
      "active": false,
      "formats": [
        {
          "format": "PDF",
          "encoding": null,
          "url": "http://www.crs.gov/Reports/pdf/RS21280",
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          "filename": "files/20020806_RS21280_78aef9f16ec7fd561dd05a44869dbd9a78bd0fe2.pdf",
          "images": null
        },
        {
          "format": "HTML",
          "filename": "files/20020806_RS21280_78aef9f16ec7fd561dd05a44869dbd9a78bd0fe2.html"
        }
      ],
      "topics": []
    }
  ],
  "topics": [
    "American Law",
    "Health Policy"
  ]
}