HOMEOWNERS
HISSHEE01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SECONDARY HOME ENHANCEMENT ENDORSEMENT

HISPHEE1401 / 14/01 / Page 1 of 2
HOMEOWNERS
HISSHEE01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PROTECTIONS CLAUSE

We do not cover loss or damage caused by theft, attempted theft or vandalismand malicious mischief, and any ensuing loss caused by an intentional and wrongful act committed in the course of theft, attempted theft, vandalism and malicious mischief unless all the physical protections are in use and all security systems are in full and effective operation whenever the dwelling is left unattended.

We do not cover loss or damage caused by fire unless all the fire alarm systems and/or automatic fire protective sprinkler system you have told us about are in full working order at all times.

You must advise us as soon as reasonably possible if for any reason any protection or security system is not working properly. We may then amend the terms of this policy.

UTILITY CLAUSE

You must ensure that all utilities are disconnected and water tanks, apparatus and pipes are drained while the dwelling is left “vacant” unless you keep the dwelling heated to a temperature of at least 55o Fahrenheit

However, if the dwelling is protected by an automatic fire protective sprinkler system, you must use reasonable care to continue the water supply and maintain heat in the building for coverage to apply.

“Vacant” means at the time of loss or damage the dwelling has not been permanently lived in for 60 consecutive days, or does not have enough furniture to be lived in normally.

PREMISES LIABILITY

The Personal Liability and Medical Payment To Others coverage provided under the attached policy are restricted to apply only with respect to "bodily injury" and "property damage" arising out of the ownership, maintenance or use of the “residence premises” shown in the declarations page.

WATER BACK UP AND
SUMP discharge or OVERFLOW

A.Coverage

We insure, up to $25,000 for direct physical loss, not caused by your negligence , to property covered under Section I caused by water, or water-borne material, which:

1.Backs up through sewers or drains; or

2.Overflows or is discharged from a:

a.Sump, sump pump; or

b.Related equipment;

even if such overflow or discharge results from mechanical breakdown. This coverage does not apply to direct physical loss of the sump pump, or related equipment, which is caused by mechanical breakdown.

This coverage does not increase the limits of liability for Coverages A,B,C or D stated in the Declarations.

B. Section I – Perils Insured Against

With respect to the coverage described in A. above, Paragraph:

A.2.c.(6)(b) in Form HO 00 03;

A.2.e.(2) in Form HO 00 05;

2.j.(2) in Endorsement HO 05 24;

3.j.(2) in Endorsement HO 17 31; and

2.c.(6)(b) in Endorsement HO 17 32;

is deleted and replaced by the following:

Latent defect, inherent vice, or any quality in property that causes it to damage or destroy itself;

C. Special Deductible

We will pay only that part of the loss that exceeds the deductible amount shown in the Declarations.

D. Exclusion

The Water Damage exclusion is deleted and replaced by the following:

Water Damage, meaning:

a.Flood, surface water, waves including tidal wave and tsunami, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind including storm surge;

b.Water, or water-borne material, which:

(1)Backs up through sewers or drains; or

(2)Overflows or is discharged from a sump, sump pump or related equipment;

as a direct or indirect result of flood; or

c.Water, or water-borne material, below the surface of the ground, including water which:

(1)Exerts pressure on; or

(2)Seeps or leaks through;

a building, sidewalk, driveway, patio, foundation, swimming pool or other structure;

caused by or resulting from human or animal forces or any act of nature.

Direct loss by fire or explosion resulting from water damage is covered.

MOLD, MILDEW AND FUNGUS LIMITED COVERAGE

A.Applicable to Coverage A – Dwelling, Coverage B - Other Structures only

Notwithstanding any provision to the contrary within this policy together with any attached endorsement, this policy insures physical damage to property insured under Coverage A and Coverage B, and subsequent loss of use as insured under this policy by mold, mildew or fungus but only when such damage is the direct result of physical loss or damage to property insured under Coverage A and Coverage B by one of the following Listed Perils occurring during the period of this policy.

Listed Perils

Fire; Accidental Discharge or Overflow of Water.

This coverage is subject to all limitations contained within this policy and, in addition, to each of the following specific limitations:

1.The said property must be insured by this policy for physical damage by the Listed Peril.

2.You must report to us the existence of the damage by mold, mildew or fungus as soon as practicable but in no event later than six months from the date that the Listed Peril first damaged the insured property. This policy does not insure any damage by mold, mildew or fungus first reported to insurers after such six month period.

3.Insurance under this policy in respect of mold, mildew or fungus shall not include any sum relating to:

(i) faulty workmanship, material, construction or design;

(ii)mold, mildew or fungus that is not the direct result of physical loss or damage to property insured under Coverage A and Coverage B, by a Listed Peril during the period of this policy including any governmental or regulatory direction or request of whatsoever nature relating to such mold, mildew or fungus.

4.The maximum amount payable under this policy for insured damage and subsequent loss of use as insured hereunder this policy by mold, mildew or fungus including all related costs and expenses is $ 25,000 any one loss and in the aggregate.

  1. Except as set forth in the foregoing Section A this policy does not insure any loss, damage, claim, cost or expense or other sum directly or indirectly arising out of or relating to mold, mildew, fungus, spores or other microorganism of any type, nature, or description, including but not limited to any substance whose presence poses an actual or potential threat to human health.

This exclusion applies regardless whether there is (i) any physical loss or damage to insured property; (ii) any insured peril or cause, whether or not contributing concurrently or in any sequence; (iii) any loss of use, occupancy, or functionality; or (iv) any action required, including but not limited to repair, replacement, removal, cleanup, abatement, disposal, relocation, or steps taken to address medical or legal concerns.

Furthermore, it is understood that no coverage is provided under Coverage E and Coverage F of this policy directly or indirectly arising out of or relating to mold, mildew or fungus of whatsoever nature.

The foregoing Sections A and B replace and supersede any provision in the policy that may provide insurance, in whole or in part, for these matters.

HISSHEE01 / 14/01 / Page 1 of 3
HOMEOWNERS
HISSHEE01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

All other provisions of this policy apply.

HISSHEE01 / 14/01 / Page 1 of 3