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

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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 b) all cost or expense to test for wet rot, dry rot, a bacterium, a fungus, or a protist or a chemical, matter, or a compound produced or released by it; regardless of the number of occurrences, claims made, assessments made, or locations insured under this policy. This "limit" is the most that "we" pay for each consecutive annual period and for any remaining period of less than 12 months, beginning with the inception date of this policy as shown on the "declarations". If, however, the policy period is extended for an additional period of less than 12 months, this additional period will be considered part of the preceding period for the purpose of determining the "limit". The Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Aggregate Property Limit is $2,500 unless a higher Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Aggregate Property Limit is shown on the "declarations". 6) With respect to Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Property Coverage, Restoration of Limits under How Much We Pay For Loss Or Claim does not apply. WN HO 65 02 11 Page 4 of 6 Includes Copyrighted Material With Permission of American Association of Insurance Services
. Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Liability Coverage 1) This coverage does not apply to: a) "bodily injury" that results from a fungus cultivated or harvested for human consumption or a foodborne or beverage-borne bacterium that causes illness commonly known as food poisoning (Foodborne or beverage-borne bacteria that cause illness commonly known as food poisoning include but are not limited to Staphylococcus aureus, Salmonella, Clostridium perfringens, Campylobacter, Listeria monocytogenes, Vibro parahaemolyticus, Bacillus cereus, and Escherichia coli.); or b) "bodily injury" to a "farm employee" to the extent that coverage for "bodily injury" to "farm employees" is provided by this policy. 2) Subject to the Coverage L Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Limit and the Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Aggregate Liability Limit, "we" pay for the "bodily injury" or "property damage" that results from ingestion of, inhalation of, physical contact with, or exposure to: 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. The Coverage L Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Limit is $25,000 unless a higher Coverage L Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Limit is shown on the "declarations". Subject to the Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Aggregate Liability Limit, this "limit" is the most "we" pay per "occurrence" under Coverage L for Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Liability Coverage. 3) With respect to Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Liability Coverage, the following is added to the first paragraph under Incidental Liability Coverages: Except for Claims and Defense Cost and First Aid Expense, any coverage provided under these Incidental Liability Coverages for "bodily injury", "property damage", damages, or legal fees arising from ingestion of, inhalation of, physical contact with, or exposure to: 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 Coverage L Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Limit and the Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Aggregate Liability Limit. 4) With respect to Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Liability Coverage, under How Much We Pay For Loss Or Claim, Coverage L -- Personal Liability is deleted and replaced by the following: WN HO 65 02 11 Page 5 of 6 Includes Copyrighted Material With Permission of American Association of Insurance Services
Page 1 and 2: This endorsement changes the policy
Page 3: ) an increased cost, an expense, lo

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