房主保險蓋窗更換天氣損壞和模具？
房主保險蓋窗更換天氣損壞和模具？
 A homeowners policy covers damage caused by specified perils. These perils are basically sudden events that destroy property such as fire. Water damage caused by seepage over an extended period of time doesnt fit with the definition of a specified peril. Mold is the same sort of situation. The damage isnt sudden. Mold damage might be covered if a pipe ruptures in a wall and the damage isnt detected quickly.
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