§ 3.22 Exclusions - Mold, Fungus, or Rot ("ensuing Loss")

• Library: Guide to South Carolina Liability and Property Insurance Law (SCBar) (2019 Ed.)

§ 3.22 Exclusions - Mold, Fungus, or Rot ("Ensuing Loss")

The federal district court determined that the policy's exclusion for mold or rot precluded the homeowner's claim for coverage under the policy. The policy at issue provided, among other things:

We insure against risk of direct loss to property . . . . However, we do not insure loss:
. . . .
2. caused by:

. . .
[]
h. . . . .

(3) smog, rust or other corrosion, mold, wet or dry rot;¹³⁶

In determining that this exclusion precluded coverage for the...