Limited Coverage For Loss By Wet Rot, Dry Rot, Bacteria, Fungi, or ...

AAIS
ML 4902 08 02
Page 4 of 7
3) With respect to Limited Wet Rot, Dry
Rot, Bacteria, Fungi, and Protists
Property Coverage, the following is
added to the first paragraph under
Incidental Property Coverages:
However, except for Emergency
Removal and, if provided by this
policy, Collapse, any coverage
provided under these Incidental
Property Coverages for loss caused
by or consisting of:
a) wet rot;
b) dry rot;
c) a bacterium;
d) a fungus, including but not
limited to mildew and mold;
e) a protist; or
f) a chemical, matter, or a
compound produced or released
by wet rot, dry rot, a bacterium, a
fungus, or a protist;
is subject to the Wet Rot, Dry Rot,
Bacteria, Fungi, and Protists
Aggregate Property Limit.
4) With respect to Limited Wet Rot, Dry
Rot, Bacteria, Fungi, and Protists
Property Coverage, the "terms" of
each coverage part or endorsement
attached to this policy that covers
direct physical loss, increased cost,
expense, loss of income, or loss of
earnings are amended to include the
following.
Any coverage provided under this
coverage part or endorsement for
loss caused by or consisting of:
a) wet rot;
b) dry rot;
c) a bacterium;
d) a fungus, including but not
limited to mildew and mold;
e) a protist; or
f) a chemical, matter, or a
compound produced or released
by wet rot, dry rot, a bacterium, a
fungus, or a protist;
is subject to the Wet Rot, Dry Rot,
Bacteria, Fungi, and Protists
Aggregate Property Limit.
5) With respect to Limited Wet Rot, Dry
Rot, Bacteria, Fungi, and Protists
Property Coverage, the following is
added under How Much We Pay For
Loss Or Claim, Property Coverages:
Wet Rot, Dry Rot, Bacteria, Fungi,
and Protists Aggregate Property
Limit -- The Wet Rot, Dry Rot,
Bacteria, Fungi, and Protists
Aggregate Property Limit is the most
"we" pay for the total of:
a) all loss covered under Principal
Property Coverages A, B, C, and
D; loss covered under all
Incidental Property Coverages
except Emergency Removal and,
if provided by this policy,
Collapse; and all direct physical
loss, increased costs, expenses,
loss of income, and loss of
earnings covered by coverage
part or endorsement attached to
this policy, including all cost or
expense to:
(1) clean up, remove, contain,
treat, detoxify, neutralize,
respond to, monitor, or
assess the effects of wet rot,
dry rot, a bacterium, a
fungus, or a protist or a
chemical, matter, or a
compound produced or
released by it; and
(2) remove and replace parts of
covered property necessary
to repair or replace damage
or to clean up, remove,
contain, treat, detoxify,
neutralize, respond to,
monitor, or assess the
effects of the wet rot, dry rot,
bacterium, fungus, or protist
or a chemical, matter, or a
compound produced or
released by it; and