MISSOURI

HOMEOWNERS

RULE 25.6F - CLAIM RATING SURCHARGE

Applies to: Premier - YES, Premier Plus - YES, Premier Select - YES,
Premier Condo - YES, Premier Renters - YES

A Claim Rating Surcharge will be applied to all new business policies. The number of claims will be determined from the CLUE report and will include any chargeable claim in the past 3 years.

A Claim Rating Surcharge will be applied to renewal policies. The number of chargeable claims will be determined by reviewing the history of the current policy and will include any chargeable claim in the past 3 years.

The following claims will not be considered a chargeable claim:

1) Damage to Property of Others, Earth Movement, Glass, Identity Theft, Med Pay to Others, Mine Subsidence and Workers Comp
2) All weather-related (acts of nature) and catastrophe losses including but not limited to Wind, Hail, Lightning and Flood
3) A claim that has a subrogation recovery or reserve
4) Any liability claim that did not result in a paid loss
5) Any property claim with a net payment of $500 or less
6) Scheduled personal property claims

The Claim Rating Surcharge will be indicated on the Declarations Certificate.