Endorsement Changes Matter

Mar 9, 2022

A recent review of a client’s Lloyd’s of London property insurance policy threw us a curveball. The policy’s endorsement changes included the following language pertaining to the Mold, Mildew and Fungus Endorsement.

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

This is the first time we have seen this. Why should you care? They are trying to limit coverage for mold testing and remediation to six months after the loss.

Lessons Learned:

Watch out for ever-growing restrictions in homeowners’ policies for mold testing/remediation.

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