Can I get some clarification on what the DP 04 22 limited mold endorsement for the DP3 policy would cover? The endorsement sounds like it would cover mold up to the limit of the endorsement if the "fungi", wet or dry rot, or bacteria results from fire or lightning. But what about other sources. Does it then only cover "fungi", wet or dry rot, or bacteria if coverage is provided under Other Coverages in the DP3 policy?

Utah Subscriber

Below the exception to the exclusion for fungi caused by fire or lightning is an exception for fungi caused by a peril insured against other than fire or lightning. Therefore, direct loss by a peril insured against resulting from fungi, wet or dry rot or bacteria is covered.