Blown out of proportion? That's a huge understatement. I don't know which group is guiltiest of fanning the "mold crisis" flames -- attorneys, politicians, disreputable contractors or the media. And I doubt the new Tx forms will make much difference. Insureds will be claiming their mold loss under their prior "all risk" policy, saying they just discovered this "old" loss. The language has not yet been tested in court; and there's always a loophole. The policy was never intended as a maintenance policy but that's what the courts & radical consumer activists are demanding. And I completely disagree with Bumpiee; you can't charge enough for mold coverage! To my knowledge, the avg insured can't cause flood, EQ, pollution or windstorm, but crooked contractors have already been caught who were "cooking" mold in houses by stapling wet blankets to the walls, turning off the a/c, etc. This is a trend completely based upon dishonesty & greed and the average Joe shouldn't have to pay for funding a mold pool for these lower-than-pond slime conspirators. I say we shoot 'em.