lttr to vdp_junk policies_1201
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TEXAS OFFICE OF PUBLIC INSURANCE COUNSEL
“Compare Policy Coverages” http://www.opic.state.tx.us/hoic.php
Allstate
Comparisons
Coverages
StandardHO-B (Texas
Department of Insurance
promulgated form- can be used byany company)
Allstate LloydsHO-A with
endorsement HO-470T
Allstate Fire & Casualty AFH1
Allstate Fire & Casualty
AFH1 withendorsement AFH2
Type of Coverage
Dwelling ALL risks Named Perils Named Perils ALL risks
PersonalProperty
Named Perils Named Perils Named Perils Named Perils
Water Damage
Sudden andAccidentaldischarge oroverflow of water orsteam from aplumbing,heating, airconditioningsystem
YES YES but does notcover discharge oroverflow that isbelow ground orwithin or below thefoundation.
YES but does notcover discharge oroverflow that isbelow ground orwithin or below thefoundation.
Limited foundationcoverage is offeredby the policy (See
Damage toFoundation/Slab onthis chart)
YES but does notcover discharge oroverflow that isbelow ground orwithin or below thefoundation.
Limited foundationcoverage is offeredby the policy (See
Damage toFoundation/Slab onthis chart)
Continuous or
Repeatedleakage fromplumbing,heating, airconditioning
YES NO NO NO
Backup of sewers/drains
YES NO NO YES providescoverage for a losswhich backs upthrough a sewer or
drain located withinthe residencepremises
Freezing of plumbing orheatingsystem
YES certainprecautions must betaken by insured if property isunoccupied
YES certainprecautions must betaken by insured if property isunoccupied, vacantor under construction
YES certainprecautions must betaken by insured if property isunoccupied, vacantor under construction
YES certainprecautions must betaken by insured if property isunoccupied, vacantor under construction
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Flood/Surfacewater
NO Flood Insurancecan be obtainedthrough FEMA andthe National FloodInsurance Program(NFIP). Theirwebsite ishttp://www.fema.gov/nfip
NO Flood Insurancecan be obtainedthrough FEMA andthe National FloodInsurance Program(NFIP). Their websiteishttp://www.fema.gov/nfip
NO Flood Insurancecan be obtainedthrough FEMA andthe National FloodInsurance Program(NFIP). Their websiteishttp://www.fema.gov/nfip
NO Flood Insurancecan be obtainedthrough FEMA andthe National FloodInsurance Program(NFIP). Their websiteishttp://www.fema.gov/nfip
Mold
Mold, Fungi orOtherMicrobes
YES Only if themold is on propertyphysically damagedby sudden andaccidental water orsteam. This includeshidden andconcealed damagethat is reported
within 30 days of detection.
LIMITED to damageresulting fromcovered perils namedin the policy.
YES Limited to$5000 in the eventof a covered waterloss
YES Limited to$5000 in the eventof a covered waterloss
Cost of
Testing,Remediation,and LivingExpenses dueto Mold, Fungior OtherMicrobes
NO however, an
endorsement mustbe offered toprovide coverage upto the policy limitsfor these costs.
PLEASE
NOTE: While thebase policy does not
cover the cost of
testing,remediation, andliving expenses dueto mold, fungi orother microbes, itdoes provide some
basic but limitedmold coverage (seecoveragedescriptionunder Mold , Fung i
o r O t he r
Microbes for
further
explaination)
YES coverage up to
the policy limits forthose perils namedin the base policy:1. fire and lightning2. sudden andaccidental damagefrom smoke3. windstorm,hurricane, and hail4. Explosion5. Aircraft andvehicles6. vandalism andmalicious mischief 7. riot and civilcomotion8. theft.Coverage limited to$5,000 for anyadditional perils
YES Included in the$5000 limit (SEE"Mold, Fungi orOther Microbes"coverage above)
YES Included in the$5000 limit (SEE"Mold, Fungi orOther Microbes"coverage above)
Other Perils Covered
Damage toFoundation/Slab
YES If damageresults from acovered water leak
NO YES If damageresults from a"Sudden & Accidental" water
loss from aplumbing, heating,air conditioning
YES If damageresults from a"Sudden & Accidental" waterloss from aplumbing, heating,air conditioning
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system, householdappliance, orsprinkler system, thepolicy covers thecost to tear out andreplace any part of the dwelling toaccess the leak aswell as any damageto the dweeling orpersonal property.
PLEASE NOTE: Thiscoverage is limitedto the amount shownon the declarationspage forslab/foundationcoverage.
system, householdappliance, orsprinkler system, thepolicy covers thecost to tear out andreplace any part of the dwelling toaccess the leak aswell as any damageto the dweeling orpersonal property.
PLEASE NOTE: Thiscoverage is limited tothe amount shownon the declarationspage forslab/foundationcoverage.
Falling
Objects,includingTrees
YES YES trees and limbs
only
YES YES
Weight of Ice,
Snow andSleet
YES YES for objects
falling from weight of ice, snow and sleet
YES YES
Collapse YES unless caused
by earth movement
YES unless caused
by earth movement
YES Collapse does
not include settling,cracking, shrinking,bulging, expansion,sagging or bowing.
YES Collapse does
not include settling,cracking, shrinking,bulging, expansion,sagging or bowing.
Damage byAnimals
(PLEASENOTE:Companies donot generally
cover damagefrom birds,vermin,rodents, orinsects)
YES unless ownedor kept by insured
or occupant
NO NO NO
GlassBreakage -Dwellingapplies to
glass that ispart of thebuilding
YES YES YES YES
Damage byVehicles
YES YES vehicle mustmake actual contact
with coveredproperty
YES YES
Damage
resulting from
YES any resulting
loss from
NO NO NO
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Deterioration deterioration unlessthe resulting loss isalready excludedfrom the policy.
Damage consisting
of the deteriorationis not covered
Damageresulting from
ConstructionDefects
YES any resultingloss from
construction defectunless the resultingloss is alreadyexcluded from thepolicy.
Damage consistingof the constructiondefect is notcoveredcovered.
NO NO NO
AdditionalLivingExpenses(ALE) for
perils otherthan mold
20% of the dwellinglimit of liability
20% of the dwellinglimit of liability for allperils other thanMold, Fungi or Other
Microbes (ALE formold, etc. is part of the $5000 capprovided under theCost of Testing & Remediationcoverage)
Pays up to 12months not toexceed 10% of thedwelling limit of
liability
Pays up to 12months not toexceed 20% of thedwelling limit of
liability
Claims Settlement
Dwelling Replacement Cost Actual CashValuereplacementcost can be added byendorsement
Replacement Coast Replacement Cost
PersonalProperty
Actual CashValueReplacementcost can be addedby endorsement
Actual CashValuereplacementcost can be added byendorsement
Replacement Cost Replacement Cost
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Farmers
Comparisons
Coverages
StandardHO-B (TexasDepartmentof Insurancepromulgatedform - can beused by anycompany)
FarmersInsurance
Group HO-A(same as
Standard HO-A) - written by
FarmersInsuranceExchange
FarmersInsuranceGroup HO-
A withendorsement
TX040 -written byFarmers
InsuranceExchange
FarmersInsurance
Group FamilyHome Policy -
written byTexas Farmers
InsuranceCompany
Farmers Next
GenerationHomeowners
Policy - writtenby FarmersInsuranceExchange
Type of Coverage
Dwelling ALL risks Named Perils Named Perils Named Perils All Risk
PersonalProperty
Named Perils Named Perils Named Perils Named Perils All Risk
Water Damage
Sudden andAccidentaldischarge oroverflow of water orsteam froma plumbing,heating, airconditioningsystem
YES NO YES limited toamount shownon thedeclaration page.PLEASE NOTE:does not coverleaks that arebelow ground orwithin or belowthe foundation.
YES PLEASENOTE:coverageincludes costsfor damageresulting fromleaks that arewithin thefoundationBUT doesnot include thecost to tear out
and replaceany portion of the foundationnecessary toaccess theleak.
Coverage for
tear out andreplacement of any portion of the foundationnecessary toaccess a leak
within or belowthe foundationcan be added by
endorsement forup to $3500 OR5% of thedwelling limit,whichever isgreater
YES PLEASENOTE:coverageincludes coststo tear out andreplace anyportion of thefoundationnecessary toaccess theleak.
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Continuousor Repeatedleakagefromplumbing,heating, airconditioning
YES NO NO NO NO
Backup of sewers/drains
YES NO NO NO but coveragecan be added byendorsement.Coverage islimited to $5000and a $500deductibleapplies.
NO but coveragecan be added byendorsement.
Freezing of plumbing orheatingsystem
YES certainprecautionsmust be takenby insured if property is
unoccupied
NO YES certainprecautions mustbe taken byinsured if property is
unoccupied
YES certainprecautions mustbe taken byinsured if property is
unoccupied
YES certainprecautions mustbe taken byinsured if property is
unoccupied
Flood/Surfacewater
NO FloodInsurance canbe obtainedthrough FEMAand theNational FloodInsuranceProgram(NFIP). Theirwebsite ishttp://www.fema.gov/nfip
NO FloodInsurance can beobtained throughFEMA and theNational FloodInsurance
Program (NFIP).Their website ishttp://www.fema.gov/nfip
NO FloodInsurance can beobtained throughFEMA and theNational FloodInsurance
Program (NFIP).Their website ishttp://www.fema.gov/nfip
NO FloodInsurance can beobtained throughFEMA and theNational FloodInsurance
Program (NFIP).Their website ishttp://www.fema.gov/nfip
NO FloodInsurance can beobtained throughFEMA and theNational FloodInsurance
Program (NFIP).Their website ishttp://www.fema.gov/nfip
Mold
Mold, Fungi
or OtherMicrobes
YES Only if
the mold is onpropertyphysicallydamaged bysudden andaccidentalwater or
steam. Thisincludeshidden andconcealed
damage thatis reported
within 30 daysof detection.
LIMITED to
damage resultingfrom coveredperils named inthe policy.
LIMITED to
damage resultingfrom coveredperils named inthe policy.
YES Only if the
mold is onpropertyphysicallydamaged bysudden andaccidental wateror steam.
YES Only if the
mold is onpropertyphysicallydamaged bysudden andaccidental wateror steam.
Cost of Testing,Remediation,and LivingExpenses
NO however,anendorsementmust beoffered to
NO but anendorsementmust be offered toprovide coverageup to the
NO but anendorsementmust be offered toprovide coverageup to the policy
NO howevercoverage isavailable byendorsement forthe following
NO
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due to Mold,Fungi orOtherMicrobes
providecoverage upto the policylimits forthese costs.
PLEASE NOTE: Whilethe basepolicy doesnot cover thecost of testing,remediation,and living
expenses dueto mold, fungior othermicrobes, itdoes providesome basic
but limitedmold coverage(see coveragedescriptionunder Mold ,
Fung i o r
Other
Microbes forfurtherexplaination)
limits for thesecosts.
PLEASE
NOTE: Thisadditional mold
coverageapplies ONLY tothose perilsnamed in thebase policy:1. fire andlightening2. sudden and
accidentaldamage fromsmoke3. windstorm,hurricane, andhail
4. Explosion5. Aircraft andvehicles6. vandalism andmaliciousmischief 7. riot and civilcomotion8. theft
perils: 1. fire andlightening2. sudden andaccidentaldamage fromsmoke3. windstorm,tropical cyclone,and hail4. Explosion5. Aircraft andvehicles6. vandalism andmaliciousmischief 7. riot and civilcomotion
8. theft
Other Perils Covered
Damage toFoundation/S
lab
YES If damageresults from a
covered waterleak
NO NO NO NO
FallingObjects,including
Trees
YES NO YES YES YES
Weight of Ice, Snow
and Sleet
YES NO YES YES YES
Collapse YES unlesscaused byearthmovement
NO YES unlesscaused by earthmovement
YES if caused bya) weight of persons, animalscontents orequipment; orb) defectivemethods ormaterials areused incontruction,repair orremodeling andonly if the
YES if collapse iscaused by onefire, smoke,explosion orsudden andaccidentaldischarge oroverflow from ahousehold
appliance, or aplumbing,heating, or airconditioning
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collapse occursdurring thecourse of thoseevents.
system.
Damage byAnimals
(PLEASENOTE:Companiesdo notgenerallycoverdamage frombirds,vermin,rodents, orinsects)
YES unlessowned or kept
by insured oroccupant
NO NO NO YES however,coverage is not
provided fordamage causedby animalsowned or kept byinsured oroccupant.
GlassBreakage -Dwelling
applies toglass that ispart of thebuilding
YES NO YES YES YES
Damage byVehicles
YES YES unlessvehicle is ownedor operated by
occupant
YES vehicle mustmake actualphysical contact
with coveredproperty
YES vehicle mustmake actualphysical contact
with coveredproperty
YES only if vehicle wasmoving at the
time of thedamage.
DamageresultingfromDeterioration
YES anyresulting lossfromdeterioration
unless theresulting lossis alreadyexcluded from
the policy.
Damage consisting of thedeteriorationis not covered
NO NO YES only if deteriorationcauses a loss bya covered peril.
PLEASE NOTE:the policy doesnot coverdeterioration
resulting fromwindstorm,tropical cyclone,hail or collapse
NO however,coverage isprovided fordeterioration
caused by fire,smoke, explosionor sudden andaccidental
discharge oroverflow of waterfrom a plumbing,heating, airconditioningsystem, orhouseholdappliance.
Damage
resultingfromConstructionDefects
YES any
resulting lossfromconstructiondefect unlessthe resultingloss is alreadyexcluded fromthe policy.
Damage consi
NO NO NO NO however,
coverage isprovided forconstructiondefects causedby fire, smoke,explosion orsudden andaccidentaldischarge oroverflow of water
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sting of theconstructiondefect is notcoveredcovered.
from a plumbing,heating, airconditioningsystem, orhouseholdappliance.
AdditionalLivingExpenses(ALE) forperils otherthan mold
20% of thedwelling limitof liability
10% of thedwelling limit
10% of thedwelling limit
Pays up to 20%of the dwellinglimit, not toexceed 24months. Alsopays up to twoweeks if a civilauthorityprohibits youfrom using yourhome because of a covered peril.
Pays up to 40%of the dwellinglimit, not toexceed 24months. Alsopays up to twoweeks if a civilauthorityprohibits youfrom using yourhome because of a covered peril.
Claims Settlement
Dwelling ReplacementCost
Actual CashValue
ReplacementCost
ReplacementCost
ReplacementCost
PersonalProperty
Actual CashValueReplacement cost can beadded byendorsement
Actual CashValue
Actual CashValuereplacement cost can beadded byendorsement
ReplacementCost
ReplacementCost
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State Farm
Comparisons
Coverages
StandardHO-B (Texas
Department of Insurance
promulgated form- can be used byany company)
State Auto HO-3(same as ISO
HO-3)
State Auto HO-5(same as ISO
HO-5)
State Farm HO-W
Type of Coverage
Dwelling ALL risks ALL risk ALL risk ALL Risks
PersonalProperty
Named Perils Named Perils ALL risk Named Perils
Water Damage
Sudden andAccidental
discharge oroverflow of water or steamfrom aplumbing,heating, air
conditioningsystem
YES YES YES YES This includeshidden and
concealed damagethat is reportedwithin 30 days of detection.
Continuous orRepeatedleakage fromplumbing,heating, airconditioning
YES NO but coverage canbe added byendorsement
NO but coverage canbe added byendorsement
NO but coverage canbe added byendorsement
PLEASE NOTE Thisendorsement is
available upon initialapplication or initialrenewal fromanother policy. If theendorsement isrefused or deleted
from the policy atany time, it will notbe available to beadded at a laterdate.
Backup of sewers/drains
YES NO but coverage canbe added by
endorsement
NO but coverage canbe added by
endorsement
YES unless thedamage results from
sewage backup outside theresidence premises(i.e. the city sewerline), or from a sumppump or sump pumpwell
Freezing of plumbing orheating system
YES certainprecautions mustbe taken by
YES certainprecautions must betaken by insured if
YES certainprecautions must betaken by insured if
YES certainprecautions must betaken by insured if
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insured if propertyis unoccupied
property isunoccupied
property isunoccupied
property isunoccupied
Flood/Surfacewater
NO FloodInsurance can beobtained throughFEMA and the
National FloodInsurance Program(NFIP). Theirwebsite ishttp://www.fema.gov/nfip
NO Flood Insurancecan be obtainedthrough FEMA andthe National Flood
Insurance Program(NFIP). Their websiteishttp://www.fema.gov/nfip
NO Flood Insurancecan be obtainedthrough FEMA andthe National Flood
Insurance Program(NFIP). Their websiteishttp://www.fema.gov/nfip
NO Flood Insurancecan be obtainedthrough FEMA andthe National Flood
Insurance Program(NFIP). Their websiteishttp://www.fema.gov/nfip
Mold
Mold, Fungior OtherMicrobes
YES Only if the moldis on propertyphysically damagedby sudden andaccidental water orsteam. This includeshidden andconcealed damagethat is reportedwithin 30 days of detection.
YES Only if the moldis on propertyphysically damagedby sudden andaccidental water orsteam. This includeshidden andconcealed damagethat is reportedwithin 30 days of detection.
YES Only if the moldis on propertyphysically damagedby sudden andaccidental water orsteam. This includes
hidden andconcealed damagethat is reportedwithin 30 days of detection.
NO However,coverage is providedfor the reasonableand necessary repairor replacement of property physically
damaged by acovered water lossincluding:
1. a water lossconsisiting of damage from mold,fungi, or othermicrobes if mold,fungi, or othermicrobes are on theproperty physicallydamaged by a
covered water loss,
2. and a water lossthat is hidden andconcealed damagethat is reportedwithin 30 days of detection.
See belowandCommissioner\'sOrder No. 02-028 formore details.
Cost of Testing,Remediation,and LivingExpensesdue to Mold,Fungi orOtherMicrobes
NO however, anendorsement mustbe offered to providecoverage up to thepolicy limits for thesecosts.
PLEASE NOTE: While
the base policy doesnot cover the cost of
NO but anendorsement isavailable to providecoverage in varyingamounts up to policylimits.
PLEASE NOTE: While
the base policy doesnot cover the cost of
NO but anendorsement isavailable to providecoverage in varyingamounts up to policylimits.
PLEASE NOTE: While
the base policy doesnot cover the cost of
NO but anendorsementmust beoffered to providecoverage in varyingamounts up to policylimits.
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testing, remediation,and living expensesdue to mold, fungi orother microbes, itdoes provide somebasic but limitedmold coverage (seecoverage descriptionunder Mold , Fung i
o r O t he r
Microbes for furtherexplaination)
testing, remediation,and living expensesdue to mold, fungi orother microbes, itdoes provide somebasic but limitedmold coverage (seeabove for furtherexplaination)
testing, remediation,and living expensesdue to mold, fungi orother microbes, itdoes provide somebasic but limitedmold coverage (seeabove for furtherexplaination)
Other Perils Covered
Damage toFoundation/Slab
YES If damageresults from acovered water leak
NO but anendorsement can beadded for coverageof 15% of dwellingpolicy limit
NO but anendorsement can beadded for coverageof 15% of dwellingpolicy limit
NO but anendorsement can beadded for coverageof 15% of dwellingpolicy limit for
damage resulting
from a covered leak.
PLEASE NOTE Thisendorsement isavailable upon initialapplication or initialrenewal fromanother policy. If theendorsement is
refused or deletedfrom the policy atany time, it will notbe available to beadded at a later
date.
FallingObjects,includingTrees
YES YES YES YES
Weight of Ice, Snowand Sleet
YES YES YES YES
Collapse YES unless causedby earth movement
YES unless causedby earth movement
YES unless causedby earth movement
YES If the collapse iscaused by one of thenamed perilsspecifically applyingthis coverage. Earthmovement is notcovered.
Damage byAnimals(PLEASENOTE:Companiesdo notgenerally
YES unless owned orkept by insured oroccupant
YES YES NO however,damage caused by awild animal iscovered (birds,vermin and rodentsare not covered).
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coverdamagefrom birds,vermin,rodents, orinsects)
GlassBreakage -Dwellingapplies toglass that ispart of thebuilding
YES YES YES YES
Damage byVehicles
YES YES YES YES
DamageresultingfromDeterioration
YES any resultingloss fromdeterioration unlessthe resulting loss is
already excludedfrom the policy.
Damage consistingof the deteriorationis not covered
YES any resultingloss from adeterioration iscovered unless the
resulting loss isalready excluded
from the policy.
Damage consistingof the deteriorationis not covered
YES any resultingloss from adeterioration iscovered unless the
resulting loss isalready excluded
from the policy.
Damage consistingof the deteriorationis not covered
YES any resultingloss fromdeterioration unlessthe resulting loss is
already excludedfrom the policy.
Damage consistingof the deteriorationis not covered
DamageresultingfromConstructionDefects
YES any resultingloss fromconstruction defectunless the resultingloss is alreadyexcluded from thepolicy.
Damage consistingof the constructiondefect is notcoveredcovered.
YES any resultingloss from aconstruction defect iscovered unless theresulting loss isalready excludedfrom the policy.
Damage consistingof the constructiondefect is not covered
YES any resultingloss from aconstruction defect iscovered unless theresulting loss isalready excludedfrom the policy.
Damage consistingof the constructiondefect is not covered
YES any resultingloss from aconstruction defect iscovered unless theresulting loss isalready excludedfrom the policy.
Damage consistingof the constructiondefect is not covered
AdditionalLivingExpenses(ALE) forperils otherthan mold
20% of the dwellinglimit of liability
Amount scheduledon declaration
Amount scheduledon declaration
Pays up to 24months of additional
living expenses withno dollar limit. Alsopays up to twoweeks if a civilauthority prohibitsyou from using your
home because of acovered peril.
Claims Settlement
Dwelling Replacement Cost Replacement Cost Replacement Cost Replacement Cost
PersonalProperty
Actual CashValueReplacementcost can be added byendorsement
Actual CashValueReplacementcost can be added byendorsement
Actual CashValueReplacementcost can be added byendorsement
Replacement Cost
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USAA
Comparisons
Coverages
Standard HO-B (TexasDepartment of I nsurance
promulgated form - can beused by any company)
USAA HO-3RTX Eligibility:U.S. Military acti ve duty,
Guard, Reserve
Type of Coverage
Dwelling ALL risks ALL risk
Personal Property Named Perils Named Perils
Water Damage
Sudden and Accidental discharge oroverflow of water or steam from aplumbing, heating, air conditioningsystem
YES YES This includes hidden andconcealed damage that isreported within 30 days of detection.
See Commissioner\'s Order No.
02-0523 for more details.Continuous or Repeated leakagefrom plumbing, heating, airconditioning
YES NO but coverage can be addedby endorsement
Backup of sewers/drains YES NO but coverage can be addedby endorsement
Freezing of plumbing or heatingsystem
YES certain precautions must betaken by insured if property isunoccupied
YES certain precautions must betaken by insured if property isunoccupied
Flood/Surface water NO Flood Insurance can beobtained through FEMA and theNational Flood Insurance
Program (NFIP). Their website ishttp://www.fema.gov/nfip
NO Flood Insurance can beobtained through FEMA and theNational Flood Insurance
Program (NFIP). Their website ishttp://www.fema.gov/nfip
Mold
Mold, Fungi or Other Microbes YES Only if the mold is onproperty physically damaged by
sudden and accidental water orsteam. This includes hidden andconcealed damage that isreported within 30 days of detection.
NO However, the policy doescover the repair or replacement
of property physically damagedby a covered water loss(including damage from mold,fungi, or other microbes if it ison the property physicallydamaged by a covered waterloss).
This coverage also includesrepair or replacement of hiddenand concealed damage that isreported within 30 days of detection.
See below and Commissioner\'sOrder No. 02-0523 for moredetails.
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Cost of Testing, Remediation, andLiving Expenses due to Mold, Fungior Other Microbes
NO however, anendorsement must be offered toprovide coverage up to thepolicy limits for these costs.
PLEASE NOTE: While the base
policy does not cover the cost of testing, remediation, and livingexpenses due to mold, fungi orother microbes, it does providesome basic but limited moldcoverage (see coveragedescription underMold , Fung i
o r O t he r M i crobes for further
explaination)
NO but coverage can be addedby endorsement to providecoverage in varying amounts upto policy limits.
Other Perils Covered
Damage to Foundation/Slab YES If damage results from acovered water leak
NO but an endorsement can beadded for coverage up to$15,000
Falling Objects, including Trees YES YES
Weight of Ice, Snow and Sleet YES YES
Collapse YES unless caused by earthmovement
YES if caused by specific perilsnamed in the policy. Collapsecaused by earth movement isnot covered.
Damage by Animals (PLEASENOTE: Companies do not generallycover damage from birds, vermin,rodents, or insects)
YES unless owned or kept byinsured or occupant
YES unless owned or kept byinsured or occupant
Glass Breakage -Dwelling applies toglass that is part of the building
YES YES
Damage by Vehicles YES YES
Damage resulting fromDeterioration
YES any resulting loss fromdeterioration unless theresulting loss is alreadyexcluded from the policy.
Damage consisting of thedeterioration is not covered
YES damage resulting fromdeterioration is covered.Damage consisting of deterioration is not covered.
Damage resulting fromConstruction Defects
YES any resulting loss fromconstruction defect unless theresulting loss is alreadyexcluded from the policy.
Damage consisting of the
construction defect is notcoveredcovered.
YES damage resulting fromconstruction defects is covered.Damage consisting of construction defects is not
covered.
Additional Living Expenses (ALE)for perils other than mold
20% of the dwelling limit of liability
Pays up to 12 months
Claims Settlement
Dwelling Replacement Cost Replacement Cost
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Personal Property Actual Cash Value Replacementcost can be added byendorsement
Actual Cash Value ReplacementCost available by endorsement