PLOhiohard
An Ohio HO-3 typically limits mold remediation arising from a covered water loss through which mechanism?
AMold is fully covered with no sublimit if loss is from a covered peril.
BMold is excluded entirely and cannot be added back.
CMold is treated as a separate policy and not part of the HO-3, requiring a standalone environmental remediation contract.
A specific mold sublimit (e.g., $5,000-$10,000) applies even when caused by a covered peril.
Why this is the answer
While direct water damage from a covered peril is paid in full, resulting mold remediation is subject to a specific sublimit on the OH HO-3, commonly $5,000-$10,000. Higher limits may be purchased by endorsement.
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