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Alliance Urges Caution on Coding Requirements of IL Mold Rule
Property and Casualty
December 18, 2002

Downers Grove, IL -- A bulletin recently filed by the Illinois Department of Insurance concerning mold will create burdensome reporting requirements for insurers that will result in imprecise data, according to the Alliance of American Insurers.

The bulletin outlines the department's requirements for insurers to file and use mold-related exclusions and limitations and requires insurers to maintain and track all mold-related claims and to make the information available to the department upon request.

"The Alliance opposes any new governmental requirements for insurers to specially code, capture and quantify mold losses," said Kirk Hansen, Alliance director of claims. "Insurers face a unique problem of identifying what mold claims are. Though most insurers code claims to denote water damage, few insurers currently have the ability to record the existence of mold. Even if insurers generally coded for mold, the data collected would be questionable at best."

Typically, insurers enter coding for claims upon their receipt and initial set-up, Hansen explained. "Though most mold claims result from water damage claims, the mold is rarely reported or claimed by the insured with the initial report. The initial coding, therefore, would not capture a significant percentage of mold claims," he said.

The Alliance of American Insurers, based in Downers Grove, Illinois, is a national trade association representing 340 property/casualty insurance companies.

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