What it does
FP 05 31 applies the virus or bacteria exclusion and a limited fungi, wet rot and dry rot coverage to the farm dwellings, appurtenant structures and household personal property form.
Who needs it
Farm households; carriers attach it with or instead of FP 05 30.
Quoting and selling notes
Point out the fungi limit for older farmhouses with moisture issues. Wording reviewed: 03 08 edition.
How it fits the farm policy
A farm program endorsement changes only the coverage forms named in its "this endorsement modifies" list. Everything else in the Farm Coverage Part keeps working as written: the FP 00 90 additional coverages, conditions and definitions, the causes of loss selected from FP 10 60, and the farm liability forms. When presenting a quote, list each farm endorsement with its schedule entries (insured location, building or item, limit, deductible) so the insured can see exactly where the base coverage was broadened or narrowed.
