© 2002 Jamie Zawinski <>

I got a packet in the mail informing me that my homeowners' insurance policy has been modified with the addition of a "PATHOGENIC ORGANISMS EXCLUSION":

1. This insurance does not apply to: "Bodily Injury", "Property Damage", "Personal Injury", or "Advertising Injury" arising out of any "pathogenic organisms," regardless of any other cause or event that contributed concurrently or in any sequence to that injury or damage.

"Pathogenic Organisms" means any bacteria, yeasts, mildew, virus, fungi, mold, or their spores, mycotoxins, or other metabolic products.

At first, I assumed this was about Anthrax. But apparently it's really about mold.

I don't know why I even bother opening this stuff.

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