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... liability exclusion for loss resulting from the use, sale, manufacture, delivery, transfer, or possession of a controlled substance had an exception for the legitimate use of prescription drugs by a person following the orders of a licensed "physician" . Recognizing that dentists, nurse practitioners, and other health care professionals also have the legal right to prescribe drugs, ISO changed the wording to "following the lawful orders of a licensed health care professional" . Good News, Bad News Some of the policy changes, while reducing coverage in ... for a student away at school, as long as the student has been there at any time during the 90 days immediately before the loss. The previous form had allowed only 60 days. ISO recognized that because many students might leave personal property at school when returning home for summer break, the 60 days limitation was inadequate to provide coverage for the full summer period. • &# 160Motor Vehicle Exclusion ISO responded to agents concerns about the language used in the Homeowners 2000 policy. In both Section I – Property Not ... changes in the areas of Collapse Coverage and Water Damage. These policy provisions have added wording to communicate the intent of the coverage more clearly and to eliminate any ambiguity. Here are some other changes: Changes that Reduce Coverage • &# 160Personal Property Located in Self-storage Facilities There's a 10% limit for personal property located in a self-storage facility. According to ISO, the increasing use of self-storage facilities during recent years means that losses for property located in them might go undiscovered for extended periods, potentially increasing the severity of the loss ...