What it does
Sets the terms and limit for fungi, wet or dry rot and bacteria losses. The 2014 edition made only minor editorial revisions.
Who needs it
Dwelling insureds; often attached by carriers in many states.
Quoting and selling notes
- Explain the limit to landlords; mold claims in rentals can exceed it.
Editions and availability
Current edition 07 14, replacing 12 02, 04 02. Carriers adopt ISO editions state by state, so the edition on a given policy can lag the newest one.
Program notes
Dwelling policies are written for the property owner, not the occupant, and are the usual vehicle for landlords of one- to four-family dwellings. Because the forms carry no liability coverage, review every dwelling file together with DL 24 01 (or the homeowners or commercial policy that provides premises liability), and with any personal umbrella the client carries.
