News and information for property & casualty insurance agents & brokers on personal lines insurance, including homeowners insurance, flood insurance, earthquake insurance, renters insurance, automobile insurance, life insurance, disability insurance, umbrella insurance and health insurance. These insurance products protect individuals and families against potentially crushing financial losses caused by fire, theft, natural disasters, death, accidents, lawsuits and illness.
A wear and tear exclusion will not apply to mold or water damage sustained as the result of a qualifying event. Humidity damage caused by general living conditions is another story.
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