Humid Attic

August 21, 2012

On an HO 00 03 10 00 with endorsement HO 04 27 04 02 it sounds like humidity in an attic area where mold was unknown and hidden would be covered. Is that correct? This home also had mold on the siding, eaves, and roof. This does not appear to be covered as it should have been known in Hawaii with high humidity to pressure wash the exterior. Would this interpretation also be correct, that there is no coverage for the mold damage to the exterior of the dwelling?

Hawaii Subscriber

The endorsement excludes humidity unless the mold/fungi are hidden behind walls/ceilings; an attic is different than the space behind the drywall and the exterior wall. Attics are rooms in and of themselves and are often used for storage. While the insured may not go into the attic very often, it's not exactly hidden from view. The loss to the attic is excluded, as is the loss to the outside. The insured has an obligation to maintain his property.