Pixel fires

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Over the years insurance companies have started requiring riders to policies for certain things. For instance, it is now common to require a rider to cover mold or water damage. However, most states still require the property insurer to cover water damage caused by structural damage or from fighting a fire.

basically, the insurer is avoiding paying for leaking pipes that cause mold unless you buy the rider. And to me that is a fair thing. Property insurance is not supposed to cover things that need to be repaired over time like appliances or pipes.
 
According to ramsy's link, carbon monoxide.

CO2 is toxic in high concentrations. CO is toxic at very low levels.
(Usually the danger from CO2 is displacing O2, but high enough concentrations over long periods of time can have direct toxic effects.)

Jon
 
On homeowners policies some have a box to check for 'knob and tube' and even aluminum wiring, and just wont offer a policy if you say you have it.
Especially so for multi-family buildings or commercial.
For a single family home it places a huge liability on the 'home inspector' that comes thru pre-sale, if they fail to notice knob and tube, they can be liable.
 
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