I'm handling a business income claim that is covered by the ISO business income and extra expense form CP 00 30 04 02. The coverage is extended to utility services through endorsement CP 15 45 04 02.

Is the utility services endorsement subject to the same monthly limitation that applies to the rest of the coverage?

Pennsylvania Subscriber

The monthly limitation applies to the utility services endorsement. CP 15 45 does not address the monthly limitation issue. It only states that the coinsurance additional condition does not apply. When endorsements do not specifically change provisions of the policy, the policy language controls. Therefore, since there is no statement on the endorsement that the monthly limitation does not apply, it must be invoked on this portion of the loss.