Mold Damage Over Time

Q

An insured has a very large two story deck off the front of his home. He lives on the Oregon Coast so the wood has a tendency to rot and decay faster than in other regions. The underside of the deck is open which is clearly visible from the ground floor. It was found that one of the 6×6 wooden support posts along with other parts of the deck has started to rot and needs to be replaced. The insured believes coverage should be extended under the wet or dry rot endorsement. Your thoughts?

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