Question: I have a question regarding the temperature/humidity exclusion under form IM 7053 08/12. I have a claim that involved humidity that entered solenoids that sat at a builder's risk project for six to 12 months. Moisture got into the circuits and caused corrosion. Would this fall within this exclusion? I am trying to understand the purpose of the exclusion. Thank you for your help.
— Ohio Subscriber
Answer: Changes in temperature and humidity are a general condition of the planet, and are not usually a fortuitous loss. Even in very humid areas, it takes some time for corrosion to occur, and the property was left for up to 12 months. The exception applies when the temperature or humidity changes lead to another loss; for example if dampness causes wires to short out and cause a fire. The resulting fire would be covered.
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