DEFINITIONS
The following
definition is being added:
9. "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.
SECTION I -
PROPERTY COVERAGES
COVERAGE C
- Personal Property
Property Not
Covered
Under item 3., paragraph 3 is deleted and replaced by the following:
We do cover vehicles or conveyances not subject to motor
vehicle registration which are:
a.
Used solely to service an insured's residence; or
b. Designed for assisting the handicapped;
COVERAGE D
- LOSS OF USE
The first paragraph
is deleted and replaced by the following:
The limit of liability
for Coverage D is the actual loss sustained within 12 months from
the date of the loss for 1. and 2. below:
Item 3. is deleted
and the following paragraph is added:
If a civil authority
prohibits you from the use of the residence premises
as a result of direct damage to neighboring premises by a Peril
Insured Against in this policy, we cover the Additional Living
Expense and Fair Rental Value loss as provided under 1. and 2. above
for no more than two weeks.
The paragraph
"The periods of time under 1., 2. and 3. above are not limited
by expiration of this policy." is deleted and replaced by the
following:
The periods of
time for all the above are not limited by expiration of this policy.
SECTION
I - PERILS INSURED AGAINST
For Premier and
Premier Plus policies, under Coverage A - Dwelling and Coverage
B - Other Structures, item 2.e.(3) is deleted and replaced
by the following:
(3) Smog,
rust or other corrosion, fungi, mold, wet or dry rot;
SECTION I -
EXCLUSIONS
The lead-in paragraph
to the Section I - Exclusions is deleted and replaced by the following:
We do not insure
for loss caused directly or indirectly by any of the following.
Such loss is excluded regardless of any other cause or event contributing
concurrently or in any sequence to the loss. These exclusions apply
whether or not the loss event results in widespread damage or affects
a substantial area.
(This is
paragraph 1. for Premier and Premier Plus policies.)
SECTION I -
CONDITIONS
Item 6. Appraisal
is deleted and replaced by the following:
6. Appraisal.
If you and we fail to agree on the amount of loss,
and any insured claiming coverage has complied with all other
conditions of the policy, an appraisal of the loss may take place.
However, an appraisal will take place only if both you and
we agree, voluntarily, to have the loss appraised. If both
parties agree in writing to appraisal, each party will choose a
competent and disinterested appraiser within 20 days after receiving
a written request from the other. the two appraisersw will choose
a disinterested and impartial umpire. If they cannot agree upon
an umpire within 15 days, you or we, upon written
notice to the other, may request that the choice be made by a judge
of a court of record in the state where the residence premises
is located. The appraisers shall separately set the amount of the
loss as defined in the policy. If the appraisers submit a written
report of an agreement to us, the amount agreed upon will
be the amount of loss. If they fail to agree, they will submit their
differences to the umpire. An appraisal decision will not be binding
on either party.
Each party will:
a. Pay
its own appraiser; and
b. Bear
the other expenses of the appraisal and umpire equally.
Item 8. Suit
Against Us is deleted and replaced by the following:
8. Suit Against
Us. No action can be brought unless the policy provisions have
been complied with and the action is started within five years after
the date of loss.
Item 12. MORTGAGE
CLAUSE is amended as follows:
Item b.
is deleted and replaced by the following:
b. Pays
any premium due under this policy when notified if you have
neglected to pay the premium; and
The sentence "if
we decide to cancel or not to renew this policy, the mortgagee
will be notified at least 10 days before the date cancellation or
nonrenewal takes effect." is deleted and replaced by the following:
If we decide
to cancel this policy, the mortgagee will be notified:
a. At least
10 days before the date cancellation takes effect if:
(1) We
cancel for nonpayment of premium, or
(2)
The policy has been in effect for less than 60 days and is not
a renewal with us; or
b. At least
30 days before the date cancellation takes effect in all other cases.
If we decide
not to renew this policy, the mortgagee will be notified at least
30 days before the date nonrenewal takes effect.
SECTION II
- EXCLUSIONS
Under 1. Coverage
E - Personal Liability and Coverage F - Medical Payments
to Others, Exclusion a. is deleted and replaced by the following
and Exclusions m. and n. are added:
a. Which
is expected or intended by one or more Insureds even if the
bodily injury or property damage:
(1) Is
of a different kind, quality or degree than expected or intended;
or
(2)
Is sustained by a different person or entity than expected or
intended.
However, this
Exclusion 1.a does not apply to bodily injury resulting
from the use of reasonable force by one or more Insureds
to protect persons or property.
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