ISO Clarifies Mold Coverage

To The Editor:

Michael McCrackens “FC&S On Lines” column on mold (“New Homeowners Language on Mold,” see NU, March 10, page 38) mentions “restrictive language” in the Insurance Services Office Inc.s homeowners policy forms. Given insurers’ increasing exposure to mold claims, its important for your readers to understand what ISOs optional limited coverage endorsements for fungi, wet or dry rot, or bacteria are intended to do.

In general, ISOs personal property and liability basic policy forms do not exclude loss caused by mold and fungi that develop as the result of a peril covered under the policy. However, the policy form excludes loss caused by mold and fungi not directly related to a covered peril.

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