TRENTON, N.J. - No additional coverage is afforded for water and mold damage to an insured patio roof because it is clear that the damages were not hidden and the policy at issue precludes losses caused by wear and tear, the New Jersey Superior Court Appellate Division said July 18 (Gerald Romano et al. v. Metropolitan Property & Casualty Insurance Co., No. A-3525-11T1, N.J. Super., App. Div.; 2014 N.J. Super. Unpub. LEXIS 1768).