2000年代:由于诉讼、费用和健康风险,美国保险公司排除了模具保险;与模具有关的索赔继续增加。 2000s: US insurers excluded mold coverage due to lawsuits, costs, and health risks; mold-related claims continue to rise.
在 2000 年代初期，由于诉讼、高昂的维修成本和健康风险，美国保险公司开始将霉菌保险排除在保单之外。 In the early 2000s, US insurance companies began excluding mold coverage from policies due to lawsuits, high repair costs, and health risks. 随着恶劣天气事件增加,水和模具索赔可能更加普遍,导致费用高昂的修理。 As severe weather events increase, water and mold claims may become more prevalent, leading to costly repairs. 房主经常发现其保险政策中存在模具保险的排除和限制,模具损坏在2022年占房主保险损失的27.6%. Homeowners often discover mold coverage exclusions and limitations in their policies, with mold damage accounting for 27.6% of homeowners insurance losses in 2022. 消费者权益倡导者继续推动霉菌保险，而保险公司则对索赔成本和健康结果表示担忧。 Consumer advocates continue to push for mold coverage, while insurers cite concerns over claims costs and health outcomes.