What it does
Defines the limited liability coverage for mold-related bodily injury and property damage claims.
Who needs it
Landlords and dwelling insureds; mold claims are common in rental properties.
Quoting and selling notes
- Confirm whether the umbrella has a fungi exclusion (DL 98 17).
How the personal liability supplement fits
The dwelling property forms (DP 00 01, DP 00 02, DP 00 03) carry no liability coverage. DL 24 01 supplies personal liability and medical payments to others, with DL 24 03 (schedule) and DL 24 02 (additional policy conditions) used when it is written on its own. The DL 24 xx endorsements then mirror the homeowners Section II options: additional rental residences (DL 24 04), business pursuits (DL 24 05), incidental occupancies (DL 24 09), additional insureds (DL 24 10), non-owner-occupied premises (DL 24 11) and home day care (DL 24 16 / DL 24 17).
Editions and availability
Current edition 12 02, replacing 04 02. Carriers adopt ISO editions state by state, so an in-force policy may carry an older edition.
