Opinion ID: 895236
Heading Depth: 1
Heading Rank: 7

Heading: Mold Damage to Personal Property

Text: While the exclusion repeal provision does not reinstate coverage for mold damage to the dwelling under Coverage A, it does apply to remove personal property damage from the 1.f mold exclusion, as the court of appeals held. [1] 259 S.W.3d at 264. As the Fifth Circuit in Carrizales reasoned with respect to Section 9's coverage of personal property loss caused by plumbing leaks, [its] operation on exclusion 1(f) gives effect precisely to what its location in the text of Form B implies: Mold damage to personal property caused by accidental discharge is covered. 518 F.3d at 347. We agree. Section 9's unambiguous language states that [e]xclusions 1.a. through 1.h. under Section I Exclusions do not apply to loss caused by this peril. This peril refers to plumbing leaks which affect the insured's personal property. Accordingly, Page's claims for mold damage to her personal property resulting from plumbing leaks are covered under the HO-B policy.