Fungus Insurance Form

Fungi means any type or form of fungus including mold or mildew and any mycotoxins spores scents or by products produced or released by fungi.

Fungus insurance form. Exclusions section ii the following exclusion is added under coverage d personal liability and coverage e medical expense do not apply to. The exclusion eliminates coverage for loss or damage caused by the presence growth proliferation or spread of the fungus wet or dry rot or bacteria. When insureds public insurance adjusters and plaintiffs lawyers speak of claims against insurance companies claiming damage by mold they often say mold is gold mold claims are a growth industry. Limited fungi wet or dry rot or bacteria coverage.

Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or by products produced or released by fungi. Commercial property insurance and mold. For use with form ho 00 04 with ho 05 24 and form ho 00 06 with ho 17 31 or ho 17 32 schedule these limits of liability apply to the total of all loss or costs payable under this endorsement regardless of the number of occurrences the number of claims made or the number of locationsinsuredunderthisendorsement andlistedintheschedule. When fungus wet or dry rot or bacteria results from fire or lightning.

Definitions the following definition is added to the definitions section. Please read it carefully. Amendatory mold fungus wet rot dry rot bacteria or virus endorsement this endorsement changes the policy. When fungus wet or dry rot or bacteria results from fire or lightning.

This endorsement modifies insurance provided under the following. The number of claims for damage by mold has increased by more than 1 000 percent in some areas. Businessowners coverage form policy number. To the extent that coverage is provided in the additional coverage œ limited coverage for fungus wet rot dry rot and bacteria with respect to loss or damage by a cause of loss other than fire or lightning.

Mold fungus wet rot dry rot bacteria or virus means any type or form of fungus rot virus or bacteria.