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ff. Limited Coverage for Fungi, Wet Rot, or
<br />(4)
<br />The coverage provided under this
<br />Dry Rot
<br />Limited Coverage does not increase
<br />(1) The coverage described in
<br />the applicable Limit of Insurance on
<br />paragraphs (2) and (6) below only
<br />any Covered Property. If a particular
<br />applies when the "fungi", wet rot or dry
<br />occurrence results in loss or damage
<br />rot is the result of any of the "specified
<br />by "fungi", wet rot or dry rot, and other
<br />causes of loss" other than fire or
<br />loss or damage, we will not pay more
<br />lightning that occurs during the policy
<br />for the total of all loss or damage, than
<br />period and only if all reasonable
<br />the applicable Limit of Insurance on
<br />means were used to save and
<br />the affected Covered Property.
<br />preserve the property from further
<br />If there is covered loss or damage to
<br />damage at the time of and after that
<br />Covered Property, not caused by
<br />occurrence.
<br />"fungi', wet rot or dry rot, loss
<br />This Additional Coverage does not
<br />payment will not be limited by the
<br />apply to lawns, trees, shrubs or plants
<br />terms of this Limited Coverage, except
<br />which are part of a vegetated roof.
<br />to the extent that "fungi", wet rot or dry
<br />(2) We will pay for loss or damage by
<br />rot causes an increase in the loss.
<br />Any such increase in the loss will be
<br />"fungi", wet rot or dry rot. As used in
<br />subject to the terms of this Limited
<br />this Limited Coverage, the term loss
<br />Coverage.
<br />or damage means:
<br />(5)
<br />The terms of this Limited Coverage do
<br />(a) Direct physical loss of or damage
<br />not increase or reduce the coverage
<br />to Covered Property caused by
<br />provided in SECTION I — PROPERTY,
<br />"fungi", wet rot or dry rot, including
<br />A. Coverage, 5 Additional
<br />the cost of removal of the "fungi',
<br />Coverages, d. Collapse; and/or e.
<br />wet rot or dry rot;
<br />Water Damage, Other Liquids,
<br />(b) The cost to tear out and replace
<br />Powder or Molten Material Damage.
<br />any part of the building or other
<br />(6)
<br />The following applies only if Business
<br />property as needed to gain access
<br />"fungi",
<br />Income and/or Extra Expense
<br />to the wet rot or dry rot;
<br />Coverage applies to the described
<br />and
<br />premises and only if the "suspension"
<br />(c) The cost of testing performed after
<br />of "operations" satisfies all the terms
<br />removal, repair, replacement or
<br />and conditions of the applicable
<br />restoration of the damaged
<br />SECTION I — PROPERTY, A.
<br />property is completed, provided
<br />Coverage, 5. Additional Coverages,
<br />there is a reason to believe that
<br />f. Business Income and/or g. Extra
<br />"fungi", wet rot or dry rot is
<br />Expense:
<br />present.
<br />(a) If the loss which resulted in
<br />(3) The coverage described under this
<br />"fungi", wet rot or dry rot does not
<br />Limited Coverage is limited to
<br />in itself necessitate a "suspension"
<br />$50,000. Regardless of the number of
<br />of "operations", but such
<br />claims, this limit is the most we will
<br />"suspension" is necessary due to
<br />pay for the total of all loss or damage
<br />loss or damage to property
<br />arising out of all occurrences caused
<br />caused by "fungi", wet rot or dry
<br />by or resulting from any of the
<br />rot, then our payment under
<br />"specified causes of loss" (other than
<br />SECTION I — PROPERTY, A.
<br />fire or lightning) which take place in a
<br />Coverage, 5. Additional
<br />12 month period (starting with the
<br />Coverages, f. Business Income
<br />beginning of the present policy
<br />and/or g. Extra Expense is
<br />period). With respect to a particular
<br />limited to the amount of loss
<br />occurrence of loss which results in
<br />and/or expense sustained in a
<br />"fungi", wet rot or dry rot, we will not
<br />period of not more than 30 days.
<br />pay more than the total of $60,000
<br />The days need not be
<br />even if the "fungi", wet rot or dry rot
<br />consecutive.
<br />continues to be present or active, or
<br />(b) If a covered suspension of
<br />recurs, in a later policy period.
<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.,
<br />with its permission. Page 33 of 81
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