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CO
00 12 08 04
THIS
ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
LIMITED
FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE
DEFINITIONS
The following definition is added:
"Fungi" means any type of fungus, including mold or
mildew, and any mycotoxins, spores, scents or
by-products produced or released by fungi.
Under Section II, this does not include any fungi that are, are
on, or are contained in, products or goods intended for consumption.
SECTION I - PROPERTY COVERAGES
COVERAGE D - Loss of Use
The following is added to Paragraph 1.
However, any expense due to fungi, wet or dry rot, or bacteria
will not be paid in addition to any amount paid or payable under the Additional
Coverage Fungi, Wet or Dry Rot, or Bacteria.
The following is added to Paragraph 2.
However, Fair Rental Value due to fungi, wet or dry rot,
or bacteria will not be paid in addition to any amount paid or payable
under the Additional Coverge Fungi, Wet or Dry Rot, or Bacteria.
ADDITIONAL COVERAGES
The following additional coverage is added:
12. Fungi, Wet or Dry Rot, or Bacteria. If a loss caused by a
Peril Insured Against under Section 1 results in fungi, wet or
dry rot, or bacteria, we will pay for:
a. Remediation of the fungi, wet or dry rot, or bacteria. This
includes payment for the reasonable and necessary cost to:
(1) Remove the fungi, wet or dry rot, or bacteria from covered
property or to repair, restore or replace that property; and
(2) Tear out and replace any part of the building as needed to gain
access to the fungi, wet or dry rot, or bacteria.
b. Any reasonable and necessary increase in living expense you incur
so that your household can maintain its normal standard of living
or loss of fair rental value if the fungi, wet or dry rot, or
bacteria makes the residence premises not fit to live in. We
do not cover loss or expense due to cancellation of a lease or agreement;
and
c. Any reasonable and necessary testing or monitoring of air or property
to confirm the absence, presence or level of the fungi, wet or
dry rot, or bacteria, whether performed prior to, during or after removal,
repair, restoration or replacement. The cost of such testing will be
provided only to the extent that there is reason to believe that there
is the presence of fungi, wet or dry rot, or bacteria.
We will pay under this additional coverage only if:
a. The covered loss occurs during the policy period;
b. All reasonable means were used to save and preserve the property
at the time of and after the covered loss; and
c. We receive prompt notice of the covered cause of loss that
is alleged to have resulted in fungi, wet or dry rot, or bacteria.
The most we will pay under this additional coverage is $10,000.
This is the most we will pay for the total of all loss or costs
regardless of the number of locations or items of property insured under
this policy or the number of losses or claims made.
This is not additional insurance and does not increase the limit of liability
that applies to the damaged property. The policy deductible will apply
to this additional coverage.
(This is Additional Coverge 11. in our Premier Condominium Policy.
This is Additional Coverage 9. in our Premier Select Policy.)
SECTION 1 - PERILS INSURED AGAINST
For Premier and Premier Plus policies, Item 2.e.(3) is deleted and replaced
by the following:
2.e.(3) Smog, rust or other corrosion;
SECTION 1 - EXCLUSIONS
The following exclusion is added.
1. i. Fungi, Wet or Dry Rot, or Bacteria, meaning any loss or
cost resulting from, arising out of, caused by, consising of, or related
to, fungi, wet or dry rot, or bacteria. Such loss is excluded regardless
of any other cause or event contributing concurrently or in any sequence
to the loss.
This exclusion does not apply:
(1) When fungi, wet or dry rot,or bacteria results from fire
or lightning; or
(2) To the extent coverage is provided for under the Additional Coverage
Fungi, Wet or Dry Rot, or Bacteria with respect
to loss caused be a Peril Insured Against other than fire or lightning.
Direct loss by a Peril Insured Against resulting from fungi, wet
or dry rot, or bacteria is covered.
(This is Exclusion 9. in our Premier Renters, Premier Condominium Owners
and Premier Select policies.)
SECTION II - EXCLUSIONS
The following exclusion is added under item 1. Coverage E-Personal
Liability and Coverage F-Medical Payments to Others.
1. m. Consisting of, arising out of, caused by, contributed to, aggravated
by or resulting from, whether directly or indirectly, by fungi,
wet or dry rot, or bacteria.
This includes:
(1) The cost of testing, monitoring, abating, mitigating, removing,
remediating or disposing of fungi, wet or dry rot, or bacteria;
(2) Any supervision, instruction, disclosures, or failures to disclose,
recommendations, warnings, or advice given, or that allegedly should
have been given, in connection with bodily injury or property
damage consisting of, arising out of, caused by, contributed
to, aggravated by or resulting from, whether directly or indirectly,
by fungi, wet or dry rot, or bacteria, or the activities described
in (1) above;
(3) Any obligation to share damages, losses, costs, payments or expenses
with or repay someone else who must make payment because of such bodily
injury or property damage, damages, loss, cost, payment or
expense; and
(4) Liability imposed upon any insured by any governmental authority
for bodily injury or property damage consisting of, arising
out of, caused by, contributed to, aggravated by or resulting from,
whether directly or indirectly, by fungi, wet or dry rot, or
bacteria.
All other provisions to this policy apply.
AUTO CLUB FAMILY INSURANCE COMPANY
Includes copyrighted material of Insruance
Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 1990
CO 00 12 08 04
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