|
RULE 35.6A - WINDSTORM
OR HAIL PERCENTAGE DEDUCTIBLE (CO 03 12)
Applies
to: Premier - YES, Premier Plus - YES, Premier Select - YES,
Premier Condo - NO, Premier Renters - NO
The policy may be endorsed with a special Windstorm or Hail deductible. This deductible applies to Section I - Property Coverage losses.
Effective
February 15, 2013, a Windstorm/Hail Percentage Deductible of 2% will be
mandatory for all new business with wood roofs. Effective
February 15, 2013, a Windstorm/Hail Percentage Deductible of 2% will be
mandatory for all renewals with wood, slate or tile roofs. Wood roofs
include composition shingle over wood, wood shake, wood shingle, wood
over composition and wood over wood.
Effective
February 15, 2014, for Premier and Premier Plus policies, the Windstorm
or Hail Percentage Deductible or the Roof Surfaces endorsement
will be mandatory for all new and renewal business. A Windstorm or Hail
Percentage Deductible of 1% will be automatically applied to all new and
renewal business with roofs that are less than 15 years old. If a policyholder's
current policy has the 2% Windstorm or Hail Percentage Deductible, the
deductible will not be changed to 1%. A Windstorm or Hail Percentage Deductible
of 2% will be automatically applied to all new and renewal business with
roofs that are 15 years or older. When a roof ages to 15 years or older,
the 1% Windstorm or Hail Percentage Deductible will be changed to 2%.
If the policyholder notifies us that they replaced their roof, the deductible
may be changed to 1%.
A 2%
Windstorm or Hail Percentage Deductible will be automatically applied
to all policies that do not have a valid automobile insurance policy issued
by the Automobile Club Inter-Insurance Exchange, the Auto Club Family
Insurance Company or an Auto Club Enterprises affiliate.
If a policyholder's
current policy has the Roof Surfaces endorsement, it will not be changed
to the Windstorm or Hail Percentage Deductible.
The
Windstorm or Hail Percentage Deductible may be changed to the Roof Surfaces
endorsement at the policyholder's request.
A premium credit will be given. The premium credit factor will be as follows:
|
Windstorm/Hail
Percentage Deductible - 1%
|
|
Coverage
A Amount Range
|
Policy
Deductible
|
|
$1,000
|
$1,500
|
$2,000
|
$2,500
|
$3,000
|
$4,000
|
$5,000
|
|
$0
|
to
|
$35,000
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $35,001 |
to
|
$50,000 |
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $50,001 |
to
|
$75,000 |
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $75,001 |
to
|
$100,000 |
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $100,001 |
to
|
$125,000 |
.98
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $125,001 |
to
|
$150,000 |
.96
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $150,001 |
to
|
$175,000 |
.94
|
.98
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $175,001 |
to
|
$200,000 |
.93
|
.97
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $200,001 |
to
|
$225,000 |
.92
|
.96
|
.99
|
1.00
|
1.00
|
1.00
|
1.00
|
| $225,001 |
to
|
$250,000 |
.91
|
.95
|
.98
|
1.00
|
1.00
|
1.00
|
1.00
|
| $250,001 |
to
|
$275,000 |
.91
|
.94
|
.97
|
.99
|
1.00
|
1.00
|
1.00
|
| $275,001 |
to
|
$300,000 |
.91
|
.94
|
.96
|
.98
|
1.00
|
1.00
|
1.00
|
| $300,001 |
to
|
$325,000 |
.90
|
.93
|
.95
|
.97
|
.99
|
1.00
|
1.00
|
| $325,001 |
to
|
$350,000 |
.90
|
.92
|
.94
|
.96
|
.99
|
1.00
|
1.00
|
| $350,001 |
to
|
$375,000 |
.90
|
.92
|
.93
|
.96
|
.98
|
1.00
|
1.00
|
| $375,001 |
to
|
$400,000 |
.89
|
.91
|
.93
|
.95
|
.98
|
1.00
|
1.00
|
| $400,001 |
to
|
$425,000 |
.89
|
.91
|
.92
|
.95
|
.98
|
.99
|
1.00
|
| $425,001 |
to
|
$450,000 |
.88
|
.90
|
.92
|
.95
|
.97
|
.99
|
1.00
|
| $450,001 |
to
|
$475,000 |
.88
|
.90
|
.92
|
.94
|
.97
|
.98
|
1.00
|
| $475,001 |
to
|
$500,000 |
.88
|
.90
|
.91
|
.93
|
.96
|
.98
|
1.00
|
| $500,001+ |
.88
|
.90
|
.91
|
.92
|
.95
|
.97
|
.98
|
|
|
|
|
|
|
|
|
|
|
Coverage
A Amount Range
|
Policy Deductible
|
|
$7,500
|
$10,000
|
|
|
|
|
|
|
$0
|
to
|
$35,000
|
1.00
|
1.00
|
|
|
|
|
|
| $35,001 |
to
|
$50,000 |
1.00
|
1.00
|
|
|
|
|
|
| $50,001 |
to
|
$75,000 |
1.00
|
1.00
|
|
|
|
|
|
| $75,001 |
to
|
$100,000 |
1.00
|
1.00
|
|
|
|
|
|
| $100,001 |
to
|
$125,000 |
1.00
|
1.00
|
|
|
|
|
|
| $125,001 |
to
|
$150,000 |
1.00
|
1.00
|
|
|
|
|
|
| $150,001 |
to
|
$175,000 |
1.00
|
1.00
|
|
|
|
|
|
| $175,001 |
to
|
$200,000 |
1.00
|
1.00
|
|
|
|
|
|
| $200,001 |
to
|
$225,000 |
1.00
|
1.00
|
|
|
|
|
|
| $225,001 |
to
|
$250,000 |
1.00
|
1.00
|
|
|
|
|
|
| $250,001 |
to
|
$275,000 |
1.00
|
1.00
|
|
|
|
|
|
| $275,001 |
to
|
$300,000 |
1.00
|
1.00
|
|
|
|
|
|
| $300,001 |
to
|
$325,000 |
1.00
|
1.00
|
|
|
|
|
|
| $325,001 |
to
|
$350,000 |
1.00
|
1.00
|
|
|
|
|
|
| $350,001 |
to
|
$375,000 |
1.00
|
1.00
|
|
|
|
|
|
| $375,001 |
to
|
$400,000 |
1.00
|
1.00
|
|
|
|
|
|
| $400,001 |
to
|
$425,000 |
1.00
|
1.00
|
|
|
|
|
|
| $425,001 |
to
|
$450,000 |
1.00
|
1.00
|
|
|
|
|
|
| $450,001 |
to
|
$475,000 |
1.00
|
1.00
|
|
|
|
|
|
| $475,001 |
to
|
$500,000 |
1.00
|
1.00
|
|
|
|
|
|
| $500,001+ |
.99
|
1.00
|
|
|
|
|
|
|
Windstorm/Hail
Percentage Deductible - 2%
|
|
Coverage
A Amount
Range
|
Policy
Deductible
|
|
$1,000
|
$1,500
|
$2,000
|
$2,500
|
$3,000
|
$4,000
|
$5,000
|
|
$0
|
to
|
$35,000
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $35,001 |
to
|
$50,000 |
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $50,001 |
to
|
$75,000 |
.95
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $75,001 |
to
|
$100,000 |
.92
|
.96
|
1.00
|
1.00
|
1.00
|
1.00
|
1.00
|
| $100,001 |
to
|
$125,000 |
.90
|
.93
|
.97
|
1.00
|
1.00
|
1.00
|
1.00
|
| $125,001 |
to
|
$150,000 |
.89
|
.92
|
.95
|
.98
|
1.00
|
1.00
|
1.00
|
| $150,001 |
to
|
$175,000 |
.88
|
.91
|
.94
|
.97
|
.99
|
1.00
|
1.00
|
| $175,001 |
to
|
$200,000 |
.86
|
.89
|
.93
|
.96
|
.98
|
1.00
|
1.00
|
| $200,001 |
to
|
$225,000 |
.86
|
.89
|
.91
|
.95
|
.98
|
.99
|
1.00
|
| $225,001 |
to
|
$250,000 |
.85
|
.88
|
.90
|
.94
|
.97
|
.99
|
1.00
|
| $250,001 |
to
|
$275,000 |
.85
|
.87
|
.89
|
.93
|
.96
|
.98
|
.99
|
| $275,001 |
to
|
$300,000 |
.84
|
.86
|
.88
|
.92
|
.95
|
.98
|
.99
|
| $300,001 |
to
|
$325,000 |
.84
|
.86
|
.88
|
.92
|
.95
|
.97
|
.99
|
| $325,001 |
to
|
$350,000 |
.83
|
.85
|
.87
|
.91
|
.94
|
.97
|
.98
|
| $350,001 |
to
|
$375,000 |
.83
|
.85
|
.86
|
.90
|
.93
|
.96
|
.98
|
| $375,001 |
to
|
$400,000 |
.82
|
.84
|
.86
|
.89
|
.92
|
.95
|
.98
|
| $400,001 |
to
|
$425,000 |
.82
|
.84
|
.85
|
.89
|
.91
|
.94
|
.98
|
| $425,001 |
to
|
$450,000 |
.82
|
.84
|
.85
|
.88
|
.90
|
.93
|
.97
|
| $450,001 |
to
|
$475,000 |
.82
|
.84
|
.85
|
.87
|
.89
|
.92
|
.97
|
| $475,001 |
to
|
$500,000 |
.82
|
.83
|
.84
|
.85
|
.87
|
.91
|
.96
|
| $500,001+ |
.82
|
.83
|
.83
|
.84
|
.85
|
.89
|
.94
|
|
|
|
|
|
|
|
|
|
|
Coverage
A Amount
Range
|
Policy
Deductible
|
|
|
$10,000
|
|
|
|
|
|
|
$0
|
to
|
$35,000
|
1.00
|
1.00
|
|
|
|
|
|
| $35,001 |
to
|
$50,000 |
1.00
|
1.00
|
|
|
|
|
|
| $50,001 |
to
|
$75,000 |
1.00
|
1.00
|
|
|
|
|
|
| $75,001 |
to
|
$100,000 |
1.00
|
1.00
|
|
|
|
|
|
| $100,001 |
to
|
$125,000 |
1.00
|
1.00
|
|
|
|
|
|
| $125,001 |
to
|
$150,000 |
1.00
|
1.00
|
|
|
|
|
|
| $150,001 |
to
|
$175,000 |
1.00
|
1.00
|
|
|
|
|
|
| $175,001 |
to
|
$200,000 |
1.00
|
1.00
|
|
|
|
|
|
| $200,001 |
to
|
$225,000 |
1.00
|
1.00
|
|
|
|
|
|
| $225,001 |
to
|
$250,000 |
1.00
|
1.00
|
|
|
|
|
|
| $250,001 |
to
|
$275,000 |
1.00
|
1.00
|
|
|
|
|
|
| $275,001 |
to
|
$300,000 |
1.00
|
1.00
|
|
|
|
|
|
| $300,001 |
to
|
$325,000 |
1.00
|
1.00
|
|
|
|
|
|
| $325,001 |
to
|
$350,000 |
1.00
|
1.00
|
|
|
|
|
|
| $350,001 |
to
|
$375,000 |
1.00
|
1.00
|
|
|
|
|
|
| $375,001 |
to
|
$400,000 |
.99
|
1.00
|
|
|
|
|
|
| $400,001 |
to
|
$425,000 |
.99
|
1.00
|
|
|
|
|
|
| $425,001 |
to
|
$450,000 |
.99
|
1.00
|
|
|
|
|
|
| $450,001 |
to
|
$475,000 |
.98
|
1.00
|
|
|
|
|
|
| $475,001 |
to
|
$500,000 |
.98
|
1.00
|
|
|
|
|
|
| $500,001+ |
.97
|
.98
|
|
|
|
|
|
This
endorsement is not available when endorsement CO 00 17 - Roof Surfaces
or CO 00 18 - Roof Surfaces is attached to the policy.
Endorsement
CO 03 12 Windstorm or Hail Percentage Deductible
will be attached to the policy.
|
