The HO3 2000, (ISO), covers mold if it is hidden within the walls, or ceiling, or beneath the floors or above the ceiling of a structure if such loss results from the accidental discharge or overflow of water or steam from within (a) A plumbing, heating, …

My question is if a cabinet under a sink could possibly be interpreted as hidden within a wall. I don't see how, but I could possibly be told this is a hidden area and it is covered. If we go with the strict wording of the policy it is not hidden within a wall, just within a cabinet under the sink.

Florida Subscriber

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis