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mold coverage homeowners Carolinas: form sublimits
Fungi, wet or dry rot, and bacteria usually sit under a sublimit printed on the endorsement, and a sudden accidental discharge can still open the property grant for damage the fungi did not cause. Long-term humidity is generally outside the sample form unless hidden and unknown; a 2017 North Carolina guide prints $5,000 and that figure is not a current mandate; South Carolina requires an informational flood-or-mold notice that does not change the policy.
