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ff. Limited Coverage for Fungi, Wet Rot, or
<br />Dry Rot
<br />(1) The coverage described in
<br />paragraphs (2) and (6) below only
<br />applies when the "fungi", wet rot or
<br />dry rot is the result of any of the
<br />"specified causes of loss" other than
<br />fire or lightning that occurs during
<br />the policy period and only if all
<br />reasonable means were used to
<br />save and preserve the property from
<br />further damage at the time of and
<br />after that occurrence.
<br />This Additional Coverage does not
<br />apply to lawns, trees, shrubs or
<br />plants which are part of a vegetated
<br />roof.
<br />(2) We will pay for loss or damage by
<br />"fungi", wet rot or dry rot. As used in
<br />this Limited Coverage, the term loss
<br />or damage means:
<br />(a) Direct physical loss of or
<br />damage to Covered Property
<br />caused by "fungi", wet rot or dry
<br />rot, including the cost of removal
<br />of the "fungi", wet rot or dry rot;
<br />(b) The cost to tear out and replace
<br />any part of the building or other
<br />property as needed to gain
<br />access to the "fungi", wet rot or
<br />dry rot; and
<br />(c) The cost of testing performed
<br />after removal, repair,
<br />replacement or restoration of the
<br />damaged property is completed,
<br />provided there is a reason to
<br />believe that "fungi", wet rot or
<br />dry rot is present.
<br />(3) The coverage described under this
<br />Limited Coverage is limited to
<br />$50,000. Regardless of the number of
<br />claims, this limit is the most we will
<br />pay for the total of all loss or
<br />damage arising out of all
<br />occurrences caused by or resulting
<br />from any of the "specified causes of
<br />loss" (other than fire or lightning)
<br />which take place in a 12 month
<br />period (starting with the beginning of
<br />the present policy period). With
<br />respect to a particular occurrence of
<br />loss which results in "fungi", wet rot
<br />or dry rot, we will not pay more than
<br />the total of $50,000 even if the "fungi",
<br />wet rot or dry rot continues to be
<br />Present or active, or recurs, in a
<br />ater policy period.
<br />The
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<br />Hanover
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<br />ODFD785344 5701644
<br />(4) The coverage provided under this
<br />Limited Coverage does not increase
<br />the applicable Limit of Insurance on
<br />any Covered Property. If a particular
<br />occurrence results in loss or damage
<br />by "fungi", wet rot or dry rot, and
<br />other loss or damage, we will not pay
<br />more for the total of all loss or
<br />damage, than the applicable Limit of
<br />Insurance on the affected Covered
<br />Property.
<br />If there is covered loss or damage to
<br />Covered Property, not caused by
<br />"fungi", wet rot or dry rot, loss
<br />payment will not be limited by the
<br />terms of this Limited Coverage,
<br />except to the extent that "fungi", wet
<br />rot or dry rot causes an increase in
<br />the loss. Any such increase in the
<br />loss will be subject to the terms of
<br />this Limited Coverage.
<br />(5) The terms of this Limited Coverage
<br />do not increase or reduce the
<br />coverage provided in SECTION I -
<br />PROPERTY, A. Coverage, 5 Additional
<br />Coverages, d. Collapse; and/or e.
<br />Water Damage, Other Liquids, Powder
<br />or Molten Material Damage.
<br />(6) The following applies only if Business
<br />Income and/or Extra Expense
<br />Coverage applies to the described
<br />premises and only if the "suspension"
<br />of "operations" satisfies all the terms
<br />and conditions of the applicable
<br />SECTION I - PROPERTY, A. Coverage,
<br />5. Additional Coverages, f. Business
<br />Income and/or g. Extra Expense:
<br />(a) If the loss which resulted in
<br />"fungi", wet rot or dry rot does
<br />not in itself necessitate a
<br />"suspension" of "operations", but
<br />such "suspension" is necessary
<br />due to loss or damage to
<br />property caused by "fungi", wet
<br />rot or dry rot, then our payment
<br />under SECTION I - PROPERTY, A.
<br />Coverage, 5. Additional
<br />Coverages, f. Business Income
<br />and/or g. Extra Expense is limited
<br />to the amount of loss and/or
<br />expense sustained in a period of
<br />not more than 30 days. The days
<br />need not be consecutive.
<br />(b) If a covered suspension of
<br />"operations" was caused by loss
<br />or damage other than "fungi", wet
<br />391.1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permi.
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