This series of books is the latest addition to Barry Zalma's insurance claims series of books and articles that will form the most thorough, up-to-date, expert-authored mold claims guide available today. Written by nationally-renowned insurance coverage expert Barry Zalma, a semi-retired insurance coverage attorney, consultant, expert witness and blogger, Mold Claims provides in-depth explanations, analysis, examples, and detailed discussion of: -Mold; -Fungi; -Bacteria; -Mold, fungi and bacteria claims; and -Mold, Fungi, Bacteria litigation. Thorough, yet practical, this series of books form the ideal guide for any professional who works in or frequently interacts with the insurance industry or is involved in litigation. Claims professionals, risk managers, producers, underwriters, attorneys (both plaintiff and defense), and business owners will benefit greatly from the mold volumes. It is also the perfect resource for insurance educators, trainers, and students whose role requires an understanding of insurance law as it relates to mold, fungi and bacterial infestations. The author has provided checklists, sample procedures, form letters, tables and information and references to model statutes, state statutes, administrative regulations, and requirements of insurance departments nationwide. This, the third volume of Mold Claims includes materials concerning mold and mold claims.