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

) an increased cost, an expense,
loss of income, or loss of earnings,
if covered by a form, a coverage
part, or an endorsement attached
to this policy, resulting from wet
rot; dry rot; a bacterium; a fungus,
including mildew and mold; or a
protist when the presence of the
wet rot, dry rot, bacterium, fungus,
or protist is the direct result of a
peril insured against that applies
to property for which the coverage
for increased cost, expenses, loss
of income, or loss of earnings is
provided and all reasonable
means were used to save and
preserve the property at and after
the time of loss.
This coverage does not increase the
"limits" shown for the property, increased
cost, expense, loss of income,
or loss of earnings covered.
2) The coverage set forth under item
5.a.1) above includes:
a) direct physical loss caused by or
consisting of a chemical, matter, or
a compound produced or released
by such wet rot, dry rot, bacterium,
fungus, or protist; and
b) the reasonable cost or expense to:
(1) 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;
(2) remove and replace those
parts of covered property necessary
to repair or replace the
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
(3) test for wet rot; dry rot; a bacterium;
a fungus, including
mildew and mold; or a protist
that is hidden from view or a
chemical, matter, or a compound
produced or released
by it. "We" pay for such testing
only to the extent that there is
reason to believe that wet rot,
dry rot, a bacterium, a fungus,
a protist, or a chemical, matter,
or a compound produced
or released by it is present.
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.
WN HO 65 02 11 Page 3 of 6
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