One good reason is that any sensible retail buyer will shy away from such properties if the mold and leakage are significant.

In her case there was some type of leakage from road to the house.

Basic typically includes the following: Fire, Lightning, Explosion, Wind/Hail (but not Named Storm/Hurricane), Smoke, Aircraft and Vehicles, Riot or Civil Commotion, Volcanic Action, Sprinkler Leakage, Sinkhole Collapse, Vandalism/Malicious Mischief.The DP3 is also known as Special Form and that gives you coverage for any physical losses not specifically excluded in the policy.

BTW I'm reading other threads about headaches with icemakers, filters, and water leakage problems