MOLD, FUNGI OR OTHER MICROBES Clause Samples

MOLD, FUNGI OR OTHER MICROBES. We do not cover loss caused by or resulting from mold, fungi or other microbes. This exclusion does not apply to an ensuing loss caused by fire, smoke or explosion. However, we do cover ensuing mold, fungi or other microbial losses caused by or resulting from sudden and accidental discharge, leakage or overflow of water or steam if the sudden and accidental discharge, leakage or overflow of water or steam loss would otherwise be covered under this policy. Sudden and accidental shall include a physical loss that is hidden or concealed for a period of time until it is detectable. A hidden loss must be reported to us no later than 30 days after the date you detect or should have detected the loss. For purposes of this exclusion, ensuing mold, fungi or other microbial losses covered under this policy include reasonable and necessary repair or replacement of property covered under Coverage B (Personal Property). We do not cover the cost for remediation, including testing of ensuing mold, fungi or other microbes. We do not cover any increase in expenses for Loss of Use and/or Debris Removal due to remediation and testing of ensuing mold, fungi or other microbes. Remediation means to treat, contain, remove or dispose of mold, fungi or other microbes beyond that which is required to repair or replace the covered property physically damaged by water or steam. Remediation includes any testing to detect, measure or evaluate mold, fungi or other microbes and any decontamination of the residence premises or property. ICT-HOB-CON -4- COPYRIGHT - ICT SERVICES, INC. - 2003 If a single event causes loss by windstorm, hurricane, hail or wind driven rain and loss by lightning, the deductible will apply only once.