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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
<br />LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE
<br />This endorsement modifies insurance provided under the following:
<br />SPECIAL PROPERTY COVERAGE FORM
<br />STANDARD PROPERTY COVERAGE FORM
<br />PERSONAL PROPERTY OF OTHERS
<br />COMPUTERS AND MEDIA COVERAGE
<br />A. Fungi, Bacteria or Virus Exclusions
<br />1. Paragraph A.5.i.(5). of the Increased Cost of
<br />Construction Additional Coverage of the
<br />Standard Property Coverage Form is replaced
<br />by the following:
<br />(5) Under this Additional Coverage, we
<br />will not pay for:
<br />(a) The enforcement of any ordinance
<br />or law which requires demolition,
<br />repair, replacement, reconstruction,
<br />remodeling, or remediation of
<br />property due to contamination by
<br />"pollutants" or due to the presence,
<br />growth, proliferation, spread or any
<br />activity of "fungi", wet or dry rot,
<br />bacteria or virus; or
<br />(b) Any costs associated with the
<br />enforcement of an ordinance or
<br />law which requires any insured or
<br />others to test for, monitor, clean
<br />up, remove, contain, treat, detoxify
<br />or neutralize, or in any way
<br />respond to or assess the effects of
<br />"pollutants", "fungi", wet or dry rot,
<br />bacteria or virus.
<br />2. The following exclusion is added to Paragraph
<br />B.1. Exclusions of the Standard Property
<br />Coverage Form and the Special Property
<br />Coverage Form; Paragraph F., Additional
<br />Exclusions of Computers and Media, form
<br />SS 04 41, and to form SS 04 45, Personal
<br />Property of Others:
<br />Form SS 40 93 07 05
<br />i. "Fungi", Wet Rot, Dry Rot, Bacteria And
<br />Virus
<br />We will not pay for loss or damage caused
<br />directly or indirectly by any of the
<br />following. Such loss or damage is
<br />excluded regardless of any other cause or
<br />event that contributes concurrently or in
<br />any sequence to the loss:
<br />(1) Presence, growth, proliferation,
<br />spread or any activity of "fungi", wet
<br />rot, dry rot, bacteria or virus.
<br />(2) But if "fungi", wet rot, dry rot, bacteria
<br />or virus results in a "specified cause of
<br />loss" to Covered Property, we will pay
<br />for the loss or damage caused by that
<br />"specified cause of loss".
<br />This exclusion does not apply:
<br />(1) When "fungi", wet or dry rot, bacteria
<br />or virus results from fire or lightning; or
<br />(2) To the extent that coverage is
<br />provided in the Additional Coverage —
<br />Limited Coverage for "Fungi", Wet
<br />Rot, Dry Rot, Bacteria and Virus with
<br />respect to loss or damage by a cause
<br />of loss other than fire or lightning.
<br />This exclusion applies whether or not the loss
<br />event results in widespread damage or affects a
<br />substantial area.
<br />B. The following Additional Coverage is added to
<br />Paragraph A.4. of the Standard Property Coverage
<br />Form or Paragraph A.5. of the Special Property
<br />Coverage Form, and applies to the optional coverage
<br />form SS 04 41, Computers and Media and SS 04 45,
<br />Personal Property of Others and form:
<br />© 2005, The Hartford
<br />ew cF RAMwagementDMsian
<br />Jy/\'x REVIEWED & APPROVED BY.-
<br />V"°
<br />--� Risk janagement Analyst
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