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I am responding to a recent e-mail I received. There was a Q&A wherein it was asked if someone came into an office who had COVD-19, would clean-up be covered. I have been asked the same question with respect to a personal HO3 and HO5 policy.  Would a cleanup of the home be covered? There is the same “direct physical loss” language in Section I coverages of the ISO HO form, so I would think not.  But I want to get this nailed down.

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