Which of the following is NOT considered a covered microbial matter?

In the context of insurance and covered microbial matters, it is essential to understand the definitions and implications of different terms. Mold, mycotoxins, and viruses all fall under the category of microbial matters due to their biological, chemical, or harmful nature. These substances can cause health risks and damage, which is why they are addressed in insurance policies regarding coverage.

Scratched surfaces, on the other hand, do not relate to the effects or presence of microbial matter. They represent physical damage to a surface rather than an issue associated with biological contamination or a health hazard. This distinction is crucial when understanding what is covered under various insurance policies, as microbial matters typically refer to organisms or substances that can cause health issues, which scratched surfaces do not.

Thus, when assessing what is and isn’t covered, scratched surfaces are not considered microbial matters and are thus excluded from coverage discussions regarding microbial issues.