Judge Finds Exclusions Don't Apply Before Policy Delivered

MILWAUKEE - A federal court has ruled that if homeowners can show that mold and water damage was first discovered during their policy period, they won't be bound by mold and other policy exclusions that weren't provided to them until after they discovered the damage. Miller v. Safeco Insurance Company of America, No. 06-C-1021 (E.D. Wis.).

Howver, in its Sept. 27 order, the U.S. District Court for the Eastern District of Wisconsin denied the homeowners' motion for partial summary judgment on the coverage issue, citing the insurer's assertion that a pre-purchase inspection report and discounted price put the homeowners on …