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b. Awnings, gutters and downspouts; E. Additional Coverage – Limited Coverage For "Fungus", Wet Rot, Dry Rot And Bacteria c. Yard fixtures; 1. The coverage described in E.2. and E.6. only d. Outdoor swimming pools; applies when the "fungus", wet or dry rot or e. Fences; bacteria are the result of one or more of the following causes that occur during the policy f. Piers, wharves and docks; period and only if all reasonable means were g. Beach or diving platforms or used to save and preserve the property from appurtenances; further damage at the time of and after that h. Retaining walls; and occurrence: i. Walks, roadways and other paved surfaces; a. A "specified cause of loss" other than fire or lightning; or if an abrupt collapse is caused by a cause of loss listed in 2.a. through 2.d., we will pay for Coverage Endorsement b. Flood, if the Flood loss or damage to that property only if: applies to the affected premises. (1) Such loss or damage is a direct result of This Additional Coverage does not apply to the abrupt collapse of a building insured lawns, trees, shrubs or plants which are part of under this Coverage Form; and a vegetated roof. (2) The property is Covered Property under 2. We will pay for loss or damage by "fungus", this Coverage Form. wet or dry rot or bacteria. As used in this Limited Coverage, the term loss or damage 5. If personal property abruptly falls down or means: caves in and such collapse is not the result of abrupt collapse of a building, we will pay for a. Direct physical loss or damage to Covered loss or damage to Covered Property caused by Property caused by "fungus", wet or dry rot such collapse of personal property only if: or bacteria, including the cost of removal of the "fungus", wet or dry rot or bacteria; a. The collapse of personal property was caused by a cause of loss listed in 2.a. b. The cost to tear out and replace any part of through 2.d.; the building or other property as needed to gain access to the "fungus", wet or dry rot b. The personal property which collapses is or bacteria; and inside a building; and c. The cost of testing performed after removal, c. The property which collapses is not of a repair, replacement or restoration of the kind listed in 4., regardless of whether that damaged property is completed, provided kind of property is considered to be there is a reason to believe that "fungus", personal property or real property. wet or dry rot or bacteria are present. The coverage stated in this Paragraph 5. does 3. The coverage described under E.2. of this not apply to personal property if marring and/or Limited Coverage is limited to $15,000. scratching is the only damage to that personal Regardless of the number of claims, this limit is property caused by the collapse. the most we will pay for the total of all loss or 6. This Additional Coverage, Collapse, does not damage arising out of all occurrences of apply to personal property that has not abruptly "specified causes of loss" (other than fire or fallen down or caved in, even if the personal lightning) and Flood which take place in a 12- property shows evidence of cracking, bulging, month period (starting with the beginning of the sagging, bending, leaning, settling, shrinkage present annual policy period). With respect to a or expansion. particular occurrence of loss which results in 7. This Additional Coverage, Collapse, will not "fungus", wet or dry rot or bacteria, we will not increase the Limits of Insurance provided in pay more than a total of $15,000 even if the this Coverage Part. "fungus", wet or dry rot or bacteria continue to be present or active, or recur, in a later policy 8.The term Covered Cause of Loss includes the period. Additional Coverage, Collapse, as described and limited in D.1. through D.7. Page 8 of 10 © Insurance Services Office, Inc.,2016 CP 10 30 09 17