{"id":899849,"date":"2022-04-19T15:02:49","date_gmt":"2022-04-19T21:02:49","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=899849"},"modified":"2022-04-19T15:02:55","modified_gmt":"2022-04-19T21:02:55","slug":"mold-remediation-sub-limit-costs","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/mold-remediation-sub-limit-costs\/","title":{"rendered":"Louisiana Court Of Appeal Holds Mold Remediation Costs Incurred Following A Covered Peril Fall Within A Mold Sub-Limit Because Such Costs Would Not Have Been Incurred But For The Mold"},"content":{"rendered":"\n<p>Gabriel R. Crane | <a href=\"https:\/\/www.mondaq.com\/unitedstates\/insurance-laws-and-products\/1181292\/louisiana-court-of-appeal-holds-mold-remediation-costs-incurred-following-a-covered-peril-fall-within-a-mold-sub-limit-because-such-costs-would-not-have-been-incurred-but-for-the-mold?email_access=on\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Phelp Dunbar<\/a><\/p>\n\n\n\n<p>A Louisiana Court of Appeal affirmed a trial court&#8217;s ruling that <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/3-mistakes-that-mold-remediation-contractors-make\/\" target=\"_blank\" rel=\"noreferrer noopener\">mold remediation<\/a> costs incurred as a result of a covered peril fall within the mold exclusion and endorsement of a homeowners&#8217; policy because such costs would not have been incurred but for the appearance of mold.\u00a0<em>DeFelice v. Federated Nat&#8217;l Ins. Co<\/em>., 21-0179 (La. App. 5 Cir. 1\/19\/22); 2022 La. App. LEXIS 53.<\/p>\n\n\n\n<p>Plaintiffs sought coverage under a homeowners&#8217; policy for water damage caused by leaking plumbing and resulting mold. The insurer paid a sub-limit for mold coverage contained in a mold endorsement, but the insureds desired coverage for additional amounts and filed suit. The insurer moved for summary judgment that its mold endorsement limited coverage for mold damage to the sub-limit stated in the endorsement. The trial court granted the motion, and the insureds appealed.<\/p>\n\n\n\n<p>On appeal, the insureds argued that \u201cif a covered loss occurs and then mold forms, all subsequent damages resulting from mold must be covered,\u201d and that \u201cmold is excluded only when it emanates from a source independent of the underlying covered peril.\u201d The court rejected the first argument as such an interpretation would render the mold exclusion and endorsement meaningless. It rejected the second argument because case law recognizes \u201cthat once mold appears, it can cause additional damages or losses that would not have occurred, but for the appearance of mold, and are therefore, subject to the applicable provisions of a mold exclusion and endorsement.\u201d\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\" target=\"_blank\" rel=\"noreferrer noopener\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gabriel R. Crane | Phelp Dunbar A Louisiana Court of Appeal affirmed a trial court&#8217;s ruling that mold remediation costs incurred as a result of a covered peril fall within the mold exclusion and endorsement of a homeowners&#8217; policy because such costs would not have been incurred but for the appearance of mold.\u00a0DeFelice v. Federated&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/mold-remediation-sub-limit-costs\/\">Continue reading <span class=\"screen-reader-text\">Louisiana Court Of Appeal Holds Mold Remediation Costs Incurred Following A Covered Peril Fall Within A Mold Sub-Limit Because Such Costs Would Not Have Been Incurred But For The Mold<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[10721],"tags":[9895,9264,6602,5848],"class_list":["post-899849","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-homeowners-policy","tag-louisiana","tag-mold-remediation","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Louisiana Court Of Appeal Holds Mold Remediation Costs Incurred Following A Covered Peril Fall Within A Mold Sub-Limit Because Such Costs Would Not Have Been Incurred But For The Mold - Advise &amp; 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