RULE 35.6 - SECTION I - MISCELLANEOUS
RULE 35.6A - WINDSTORM OR HAIL 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
October 15, 2013, a Windstorm or Hail Deductible of 2% will be mandatory
for all new business with wood roofs. Effective
October 15, 2013, a Windstorm or Hail 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 November 2, 2017, when the policy has a 2% Windstorm
or Hail Deductible due to the type of roof, the policyholder may select
a dollar deductible of $4,000, $5,000, $7,500 or $10,000 instead of the
2% deductible.
Effective April 15, 2020, for Premier and Premier Plus policies, the Windstorm or Hail Deductible or the Roof Surfaces Endorsement will be mandatory for all new and renewal business. A Windstorm or Hail 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% or higher Windstorm or Hail Deductible, the deductible will not be changed to 1%. A Windstorm or Hail 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 Deductible will be changed to 2%. If the policyholder notifies us that they replaced their roof, the deductible may be changed to 1%.
For Premier and Premier Plus policies that have a 1% Windstorm or Hail Deductible due to the age of the roof being less than 15 years old, the policyholder may select a dollar deductible of $2,500, $3,000, $4,000, $5,000, $7,500 or $10,000 instead of the 1% deductible. For Premier and Premier Plus policies that have a 2% Windstorm or Hail Deductible due to the age of the roof being 15 years old or older, the policyholder may select a dollar deductible of $4,000, $5,000, $7,500 or $10,000 instead of the 2% deductible.
If a policyholder's current policy has the Roof Surfaces endorsement, it will not be changed to the Windstorm or Hail Deductible.
The Windstorm or Hail Deductible may be changed to the Roof Surfaces endorsement at the policyholder's request. The Windstorm or Hail Deductible may be changed from a percentage deductible to a dollar deductible at the policyholder's request.
A premium credit will be given. The premium credit factor will be as follows:
|
Windstorm/Hail
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
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $50,001 |
to
|
$75,000 |
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $75,001 |
to
|
$100,000 |
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $100,001 |
to
|
$125,000 |
.980
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $125,001 |
to
|
$150,000 |
.960
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $150,001 |
to
|
$175,000 |
.940
|
.980
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $175,001 |
to
|
$200,000 |
.930
|
.970
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $200,001 |
to
|
$225,000 |
.920
|
.960
|
.990
|
1.000
|
1.000
|
1.000
|
1.000
|
| $225,001 |
to
|
$250,000 |
.910
|
.950
|
.980
|
1.000
|
1.000
|
1.000
|
1.000
|
| $250,001 |
to
|
$275,000 |
.910
|
.940
|
.970
|
.990
|
1.000
|
1.000
|
1.000
|
| $275,001 |
to
|
$300,000 |
.910
|
.940
|
.960
|
.980
|
1.000
|
1.000
|
1.000
|
| $300,001 |
to
|
$325,000 |
.900
|
.930
|
.950
|
.970
|
.990
|
1.000
|
1.000
|
| $325,001 |
to
|
$350,000 |
.900
|
.920
|
.940
|
.960
|
.990
|
1.000
|
1.000
|
| $350,001 |
to
|
$375,000 |
.900
|
.920
|
.930
|
.960
|
.980
|
1.000
|
1.000
|
| $375,001 |
to
|
$400,000 |
.890
|
.910
|
.930
|
.950
|
.980
|
1.000
|
1.000
|
| $400,001 |
to
|
$425,000 |
.890
|
.910
|
.920
|
.950
|
.980
|
.990
|
1.000
|
| $425,001 |
to
|
$450,000 |
.880
|
.900
|
.920
|
.950
|
.970
|
.990
|
1.000
|
| $450,001 |
to
|
$475,000 |
.880
|
.900
|
.920
|
.940
|
.970
|
.980
|
1.000
|
| $475,001 |
to
|
$500,000 |
.880
|
.900
|
.910
|
.930
|
.960
|
.980
|
1.000
|
| $500,001+ |
.880
|
.900
|
.910
|
.920
|
.950
|
.970
|
.980
|
||
|
Coverage
A Amount Range
|
Policy Deductible | ||||||||
|
$7,500
|
$10,000
|
|
|
|
|
||||
|
$0
|
to
|
$35,000
|
1.000
|
1.000
|
|||||
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
|||||
| $50,001 |
to
|
$75,000 |
1.000
|
1.000
|
|||||
| $75,001 |
to
|
$100,000 |
1.000
|
1.000
|
|||||
| $100,001 |
to
|
$125,000 |
1.000
|
1.000
|
|||||
| $125,001 |
to
|
$150,000 |
1.000
|
1.000
|
|||||
| $150,001 |
to
|
$175,000 |
1.000
|
1.000
|
|||||
| $175,001 |
to
|
$200,000 |
1.000
|
1.000
|
|||||
| $200,001 |
to
|
$225,000 |
1.000
|
1.000
|
|||||
| $225,001 |
to
|
$250,000 |
1.000
|
1.000
|
|||||
| $250,001 |
to
|
$275,000 |
1.000
|
1.000
|
|||||
| $275,001 |
to
|
$300,000 |
1.000
|
1.000
|
|||||
| $300,001 |
to
|
$325,000 |
1.000
|
1.000
|
|||||
| $325,001 |
to
|
$350,000 |
1.000
|
1.000
|
|||||
| $350,001 |
to
|
$375,000 |
1.000
|
1.000
|
|||||
| $375,001 |
to
|
$400,000 |
1.000
|
1.000
|
|||||
| $400,001 |
to
|
$425,000 |
1.000
|
1.000
|
|||||
| $425,001 |
to
|
$450,000 |
1.000
|
1.000
|
|||||
| $450,001 |
to
|
$475,000 |
1.000
|
1.000
|
|||||
| $475,001 |
to
|
$500,000 |
1.000
|
1.000
|
|||||
| $500,001+ |
.990
|
1.000
|
|||||||
|
|
|||||||||
|
Windstorm/Hail
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
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $50,001 |
to
|
$75,000 |
.950
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $75,001 |
to
|
$100,000 |
.920
|
.960
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
| $100,001 |
to
|
$125,000 |
.900
|
.930
|
.960
|
1.000
|
1.000
|
1.000
|
1.000
|
| $125,001 |
to
|
$150,000 |
.890
|
.920
|
.950
|
.980
|
1.000
|
1.000
|
1.000
|
| $150,001 |
to
|
$175,000 |
.880
|
.910
|
.930
|
.970
|
.990
|
1.000
|
1.000
|
| $175,001 |
to
|
$200,000 |
.860
|
.890
|
.920
|
.960
|
.980
|
1.000
|
1.000
|
| $200,001 |
to
|
$225,000 |
.860
|
.890
|
.910
|
.940
|
.980
|
.990
|
1.000
|
| $225,001 |
to
|
$250,000 |
.850
|
.880
|
.900
|
.920
|
.970
|
.990
|
1.000
|
| $250,001 |
to
|
$275,000 |
.850
|
.870
|
.890
|
.910
|
.960
|
.980
|
.990
|
| $275,001 |
to
|
$300,000 |
.840
|
.860
|
.880
|
.900
|
.950
|
.980
|
.990
|
| $300,001 |
to
|
$325,000 |
.840
|
.860
|
.880
|
.900
|
.950
|
.970
|
.990
|
| $325,001 |
to
|
$350,000 |
.830
|
.850
|
.870
|
.890
|
.940
|
.970
|
.980
|
| $350,001 |
to
|
$375,000 |
.830
|
.850
|
.860
|
.880
|
.930
|
.960
|
.980
|
| $375,001 |
to
|
$400,000 |
.820
|
.840
|
.860
|
.870
|
.920
|
.950
|
.980
|
| $400,001 |
to
|
$425,000 |
.820
|
.840
|
.850
|
.870
|
.910
|
.940
|
.980
|
| $425,001 |
to
|
$450,000 |
.820
|
.840
|
.850
|
.860
|
.900
|
.930
|
.970
|
| $450,001 |
to
|
$475,000 |
.820
|
.840
|
.850
|
.860
|
.890
|
.920
|
.970
|
| $475,001 |
to
|
$500,000 |
.820
|
.830
|
.840
|
.840
|
.870
|
.900
|
.960
|
| $500,001+ |
.820
|
.830
|
.830
|
.830
|
.850
|
.880
|
.940
|
||
|
Coverage
A Amount Range
|
Policy Deductible | ||||||||
|
$7,500
|
$10,000
|
|
|
|
|
||||
|
$0
|
to
|
$35,000
|
1.000
|
1.000
|
|||||
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
|||||
| $50,001 |
to
|
$75,000 |
1.000
|
1.000
|
|||||
| $75,001 |
to
|
$100,000 |
1.000
|
1.000
|
|||||
| $100,001 |
to
|
$125,000 |
1.000
|
1.000
|
|||||
| $125,001 |
to
|
$150,000 |
1.000
|
1.000
|
|||||
| $150,001 |
to
|
$175,000 |
1.000
|
1.000
|
|||||
| $175,001 |
to
|
$200,000 |
1.000
|
1.000
|
|||||
| $200,001 |
to
|
$225,000 |
1.000
|
1.000
|
|||||
| $225,001 |
to
|
$250,000 |
1.000
|
1.000
|
|||||
| $250,001 |
to
|
$275,000 |
1.000
|
1.000
|
|||||
| $275,001 |
to
|
$300,000 |
1.000
|
1.000
|
|||||
| $300,001 |
to
|
$325,000 |
1.000
|
1.000
|
|||||
| $325,001 |
to
|
$350,000 |
1.000
|
1.000
|
|||||
| $350,001 |
to
|
$375,000 |
1.000
|
1.000
|
|||||
| $375,001 |
to
|
$400,000 |
.990
|
1.000
|
|||||
| $400,001 |
to
|
$425,000 |
.990
|
1.000
|
|||||
| $425,001 |
to
|
$450,000 |
.990
|
1.000
|
|||||
| $450,001 |
to
|
$475,000 |
.980
|
1.000
|
|||||
| $475,001 |
to
|
$500,000 |
.980
|
1.000
|
|||||
| $500,001+ |
.970
|
.980
|
|||||||
|
Windstorm/Hail Deductible - $2,500
|
|||||||||
|
Coverage
A Amount Range
|
Policy
Deductible
|
||||||||
|
$1,000
|
$1,500
|
$2,000
|
$2,500
|
$3,000
|
$4,000
|
$5,000
|
|||
|
$0
|
to
|
$35,000
|
.877
|
.923
|
.967
|
1.000
|
1.000
|
1.000
|
1.000
|
| $35,001 |
to
|
$50,000 |
.884
|
.925
|
.968
|
1.000
|
1.000
|
1.000
|
1.000
|
| $50,001 |
to
|
$75,000 |
.893
|
.926
|
.969
|
1.000
|
1.000
|
1.000
|
1.000
|
| $75,001 |
to
|
$100,000 |
.897
|
.928
|
.970
|
1.000
|
1.000
|
1.000
|
1.000
|
| $100,001 |
to
|
$125,000 |
.900
|
.930
|
.971
|
1.000
|
1.000
|
1.000
|
1.000
|
| $125,001 |
to
|
$150,000 |
.902
|
.938
|
.973
|
1.000
|
1.000
|
1.000
|
1.000
|
| $150,001 |
to
|
$175,000 |
.904
|
.943
|
.974
|
1.000
|
1.000
|
1.000
|
1.000
|
| $175,001 |
to
|
$200,000 |
.906
|
.947
|
.975
|
1.000
|
1.000
|
1.000
|
1.000
|
| $200,001 |
to
|
$225,000 |
.908
|
.948
|
.976
|
1.000
|
1.000
|
1.000
|
1.000
|
| $225,001 |
to
|
$250,000 |
.910
|
.950
|
.980
|
1.000
|
1.000
|
1.000
|
1.000
|
| $250,001 |
to
|
$275,000 |
.918
|
.955
|
.981
|
1.000
|
1.000
|
1.000
|
1.000
|
| $275,001 |
to
|
$300,000 |
.925
|
.959
|
.982
|
1.000
|
1.000
|
1.000
|
1.000
|
| $300,001 |
to
|
$325,000 |
.931
|
.961
|
.984
|
1.000
|
1.000
|
1.000
|
1.000
|
| $325,001 |
to
|
$350,000 |
.936
|
.963
|
.985
|
1.000
|
1.000
|
1.000
|
1.000
|
| $350,001 |
to
|
$375,000 |
.940
|
.965
|
.986
|
1.000
|
1.000
|
1.000
|
1.000
|
| $375,001 |
to
|
$400,000 |
.943
|
.967
|
.987
|
1.000
|
1.000
|
1.000
|
1.000
|
| $400,001 |
to
|
$425,000 |
.947
|
.969
|
.989
|
1.000
|
1.000
|
1.000
|
1.000
|
| $425,001 |
to
|
$450,000 |
.952
|
.970
|
.990
|
1.000
|
1.000
|
1.000
|
1.000
|
| $450,001 |
to
|
$475,000 |
.956
|
.972
|
.991
|
1.000
|
1.000
|
1.000
|
1.000
|
| $475,001 |
to
|
$500,000 |
.958
|
.974
|
.993
|
1.000
|
1.000
|
1.000
|
1.000
|
| $500,001+ |
.960
|
.978
|
.994
|
1.000
|
1.000
|
1.000
|
1.000
|
||
|
Coverage
A Amount Range
|
Policy Deductible | ||||||||
|
$7,500
|
$10,000
|
|
|
|
|
||||
|
$0
|
to
|
$35,000
|
1.000
|
1.000
|
|||||
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
|||||
| $50,001 |
to
|
$75,000 |
1.000
|
1.000
|
|||||
| $75,001 |
to
|
$100,000 |
1.000
|
1.000
|
|||||
| $100,001 |
to
|
$125,000 |
1.000
|
1.000
|
|||||
| $125,001 |
to
|
$150,000 |
1.000
|
1.000
|
|||||
| $150,001 |
to
|
$175,000 |
1.000
|
1.000
|
|||||
| $175,001 |
to
|
$200,000 |
1.000
|
1.000
|
|||||
| $200,001 |
to
|
$225,000 |
1.000
|
1.000
|
|||||
| $225,001 |
to
|
$250,000 |
1.000
|
1.000
|
|||||
| $250,001 |
to
|
$275,000 |
1.000
|
1.000
|
|||||
| $275,001 |
to
|
$300,000 |
1.000
|
1.000
|
|||||
| $300,001 |
to
|
$325,000 |
1.000
|
1.000
|
|||||
| $325,001 |
to
|
$350,000 |
1.000
|
1.000
|
|||||
| $350,001 |
to
|
$375,000 |
1.000
|
1.000
|
|||||
| $375,001 |
to
|
$400,000 |
1.000
|
1.000
|
|||||
| $400,001 |
to
|
$425,000 |
1.000
|
1.000
|
|||||
| $425,001 |
to
|
$450,000 |
1.000
|
1.000
|
|||||
| $450,001 |
to
|
$475,000 |
1.000
|
1.000
|
|||||
| $475,001 |
to
|
$500,000 |
1.000
|
1.000
|
|||||
| $500,001+ |
1.000
|
1.000
|
|||||||
|
Windstorm/Hail Deductible - $3,000
|
|||||||||
|
Coverage
A Amount Range
|
Policy
Deductible
|
||||||||
|
$1,000
|
$1,500
|
$2,000
|
$2,500
|
$3,000
|
$4,000
|
$5,000
|
|||
|
$0
|
to
|
$35,000
|
.856
|
.895
|
.935
|
.963
|
1.000
|
1.000
|
1.000
|
| $35,001 |
to
|
$50,000 |
.859
|
.898
|
.937
|
.965
|
1.000
|
1.000
|
1.000
|
| $50,001 |
to
|
$75,000 |
.863
|
.900
|
.939
|
.966
|
1.000
|
1.000
|
1.000
|
| $75,001 |
to
|
$100,000 |
.869
|
.903
|
.942
|
.968
|
1.000
|
1.000
|
1.000
|
| $100,001 |
to
|
$125,000 |
.877
|
.910
|
.947
|
.969
|
1.000
|
1.000
|
1.000
|
| $125,001 |
to
|
$150,000 |
.890
|
.920
|
.950
|
.970
|
1.000
|
1.000
|
1.000
|
| $150,001 |
to
|
$175,000 |
.893
|
.923
|
.952
|
.972
|
1.000
|
1.000
|
1.000
|
| $175,001 |
to
|
$200,000 |
.896
|
.927
|
.953
|
.973
|
1.000
|
1.000
|
1.000
|
| $200,001 |
to
|
$225,000 |
.900
|
.931
|
.955
|
.975
|
1.000
|
1.000
|
1.000
|
| $225,001 |
to
|
$250,000 |
.904
|
.934
|
.957
|
.977
|
1.000
|
1.000
|
1.000
|
| $250,001 |
to
|
$275,000 |
.907
|
.938
|
.958
|
.979
|
1.000
|
1.000
|
1.000
|
| $275,001 |
to
|
$300,000 |
.910
|
.940
|
.960
|
.980
|
1.000
|
1.000
|
1.000
|
| $300,001 |
to
|
$325,000 |
.916
|
.943
|
.962
|
.982
|
1.000
|
1.000
|
1.000
|
| $325,001 |
to
|
$350,000 |
.921
|
.946
|
.964
|
.984
|
1.000
|
1.000
|
1.000
|
| $350,001 |
to
|
$375,000 |
.925
|
.949
|
.966
|
.986
|
1.000
|
1.000
|
1.000
|
| $375,001 |
to
|
$400,000 |
.928
|
.951
|
.967
|
.987
|
1.000
|
1.000
|
1.000
|
| $400,001 |
to
|
$425,000 |
.932
|
.954
|
.969
|
.989
|
1.000
|
1.000
|
1.000
|
| $425,001 |
to
|
$450,000 |
.936
|
.957
|
.971
|
.990
|
1.000
|
1.000
|
1.000
|
| $450,001 |
to
|
$475,000 |
.939
|
.961
|
.973
|
.991
|
1.000
|
1.000
|
1.000
|
| $475,001 |
to
|
$500,000 |
.943
|
.963
|
.976
|
.993
|
1.000
|
1.000
|
1.000
|
| $500,001+ |
.949
|
.967
|
.980
|
.995
|
1.000
|
1.000
|
1.000
|
||
|
Coverage
A Amount Range
|
Policy Deductible | ||||||||
|
$7,500
|
$10,000
|
|
|
|
|
||||
|
$0
|
to
|
$35,000
|
1.000
|
1.000
|
|||||
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
|||||
| $50,001 |
to
|
$75,000 |
1.000
|
1.000
|
|||||
| $75,001 |
to
|
$100,000 |
1.000
|
1.000
|
|||||
| $100,001 |
to
|
$125,000 |
1.000
|
1.000
|
|||||
| $125,001 |
to
|
$150,000 |
1.000
|
1.000
|
|||||
| $150,001 |
to
|
$175,000 |
1.000
|
1.000
|
|||||
| $175,001 |
to
|
$200,000 |
1.000
|
1.000
|
|||||
| $200,001 |
to
|
$225,000 |
1.000
|
1.000
|
|||||
| $225,001 |
to
|
$250,000 |
1.000
|
1.000
|
|||||
| $250,001 |
to
|
$275,000 |
1.000
|
1.000
|
|||||
| $275,001 |
to
|
$300,000 |
1.000
|
1.000
|
|||||
| $300,001 |
to
|
$325,000 |
1.000
|
1.000
|
|||||
| $325,001 |
to
|
$350,000 |
1.000
|
1.000
|
|||||
| $350,001 |
to
|
$375,000 |
1.000
|
1.000
|
|||||
| $375,001 |
to
|
$400,000 |
1.000
|
1.000
|
|||||
| $400,001 |
to
|
$425,000 |
1.000
|
1.000
|
|||||
| $425,001 |
to
|
$450,000 |
1.000
|
1.000
|
|||||
| $450,001 |
to
|
$475,000 |
1.000
|
1.000
|
|||||
| $475,001 |
to
|
$500,000 |
1.000
|
1.000
|
|||||
| $500,001+ |
1.000
|
1.000
|
|||||||
|
Windstorm/Hail Deductible - $4,000
|
|||||||||
|
Coverage
A Amount Range
|
Policy
Deductible
|
||||||||
|
$1,000
|
$1,500
|
$2,000
|
$2,500
|
$3,000
|
$4,000
|
$5,000
|
|||
|
$0
|
to
|
$35,000
|
.826
|
.863
|
.895
|
.924
|
.960
|
1.000
|
1.000
|
| $35,001 |
to
|
$50,000 |
.829
|
.866
|
.900
|
.926
|
.962
|
1.000
|
1.000
|
| $50,001 |
to
|
$75,000 |
.835
|
.869
|
.903
|
.929
|
.964
|
1.000
|
1.000
|
| $75,001 |
to
|
$100,000 |
.840
|
.873
|
.907
|
.933
|
.965
|
1.000
|
1.000
|
| $100,001 |
to
|
$125,000 |
.846
|
.877
|
.911
|
.938
|
.966
|
1.000
|
1.000
|
| $125,001 |
to
|
$150,000 |
.851
|
.882
|
.915
|
.942
|
.967
|
1.000
|
1.000
|
| $150,001 |
to
|
$175,000 |
.856
|
.886
|
.918
|
.945
|
.969
|
1.000
|
1.000
|
| $175,001 |
to
|
$200,000 |
.860
|
.890
|
.920
|
.950
|
.970
|
1.000
|
1.000
|
| $200,001 |
to
|
$225,000 |
.863
|
.892
|
.922
|
.951
|
.971
|
1.000
|
1.000
|
| $225,001 |
to
|
$250,000 |
.867
|
.894
|
.923
|
.952
|
.972
|
1.000
|
1.000
|
| $250,001 |
to
|
$275,000 |
.871
|
.896
|
.924
|
.954
|
.974
|
1.000
|
1.000
|
| $275,001 |
to
|
$300,000 |
.875
|
.899
|
.925
|
.955
|
.975
|
1.000
|
1.000
|
| $300,001 |
to
|
$325,000 |
.879
|
.901
|
.926
|
.956
|
.976
|
1.000
|
1.000
|
| $325,001 |
to
|
$350,000 |
.882
|
.904
|
.928
|
.957
|
.977
|
1.000
|
1.000
|
| $350,001 |
to
|
$375,000 |
.886
|
.907
|
.929
|
.958
|
.979
|
1.000
|
1.000
|
| $375,001 |
to
|
$400,000 |
.890
|
.910
|
.930
|
.960
|
.980
|
1.000
|
1.000
|
| $400,001 |
to
|
$425,000 |
.898
|
.918
|
.937
|
.962
|
.982
|
1.000
|
1.000
|
| $425,001 |
to
|
$450,000 |
.906
|
.926
|
.945
|
.964
|
.983
|
1.000
|
1.000
|
| $450,001 |
to
|
$475,000 |
.915
|
.935
|
.948
|
.967
|
.984
|
1.000
|
1.000
|
| $475,001 |
to
|
$500,000 |
.924
|
.943
|
.954
|
.971
|
.985
|
1.000
|
1.000
|
| $500,001+ |
.933
|
.951
|
.962
|
.975
|
.987
|
1.000
|
1.000
|
||
|
Coverage
A Amount Range
|
Policy Deductible | ||||||||
|
$7,500
|
$10,000
|
|
|
|
|
||||
|
$0
|
to
|
$35,000
|
1.000
|
1.000
|
|||||
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
|||||
| $50,001 |
to
|
$75,000 |
1.000
|
1.000
|
|||||
| $75,001 |
to
|
$100,000 |
1.000
|
1.000
|
|||||
| $100,001 |
to
|
$125,000 |
1.000
|
1.000
|
|||||
| $125,001 |
to
|
$150,000 |
1.000
|
1.000
|
|||||
| $150,001 |
to
|
$175,000 |
1.000
|
1.000
|
|||||
| $175,001 |
to
|
$200,000 |
1.000
|
1.000
|
|||||
| $200,001 |
to
|
$225,000 |
1.000
|
1.000
|
|||||
| $225,001 |
to
|
$250,000 |
1.000
|
1.000
|
|||||
| $250,001 |
to
|
$275,000 |
1.000
|
1.000
|
|||||
| $275,001 |
to
|
$300,000 |
1.000
|
1.000
|
|||||
| $300,001 |
to
|
$325,000 |
1.000
|
1.000
|
|||||
| $325,001 |
to
|
$350,000 |
1.000
|
1.000
|
|||||
| $350,001 |
to
|
$375,000 |
1.000
|
1.000
|
|||||
| $375,001 |
to
|
$400,000 |
1.000
|
1.000
|
|||||
| $400,001 |
to
|
$425,000 |
1.000
|
1.000
|
|||||
| $425,001 |
to
|
$450,000 |
1.000
|
1.000
|
|||||
| $450,001 |
to
|
$475,000 |
1.000
|
1.000
|
|||||
| $475,001 |
to
|
$500,000 |
1.000
|
1.000
|
|||||
| $500,001+ |
1.000
|
1.000
|
|||||||
|
Windstorm/Hail Deductible - $5,000
|
|||||||||
|
Coverage
A Amount Range
|
Policy
Deductible
|
||||||||
|
$1,000
|
$1,500
|
$2,000
|
$2,500
|
$3,000
|
$4,000
|
$5,000
|
|||
|
$0
|
to
|
$35,000
|
.792
|
.822
|
.856
|
.879
|
.909
|
.947
|
1.000
|
| $35,001 |
to
|
$50,000 |
.796
|
.826
|
.858
|
.883
|
.914
|
.951
|
1.000
|
| $50,001 |
to
|
$75,000 |
.799
|
.829
|
.861
|
.886
|
.918
|
.954
|
1.000
|
| $75,001 |
to
|
$100,000 |
.803
|
.831
|
.863
|
.888
|
.921
|
.956
|
1.000
|
| $100,001 |
to
|
$125,000 |
.808
|
.837
|
.866
|
.892
|
.925
|
.958
|
1.000
|
| $125,001 |
to
|
$150,000 |
.815
|
.845
|
.871
|
.895
|
.928
|
.960
|
1.000
|
| $150,001 |
to
|
$175,000 |
.824
|
.855
|
.878
|
.897
|
.932
|
.963
|
1.000
|
| $175,001 |
to
|
$200,000 |
.832
|
.864
|
.886
|
.905
|
.937
|
.967
|
1.000
|
| $200,001 |
to
|
$225,000 |
.841
|
.872
|
.893
|
.913
|
.944
|
.976
|
1.000
|
| $225,001 |
to
|
$250,000 |
.850
|
.880
|
.900
|
.920
|
.950
|
.980
|
1.000
|
| $250,001 |
to
|
$275,000 |
.852
|
.882
|
.901
|
.923
|
.951
|
.981
|
1.000
|
| $275,001 |
to
|
$300,000 |
.855
|
.883
|
.902
|
.925
|
.952
|
.982
|
1.000
|
| $300,001 |
to
|
$325,000 |
.858
|
.885
|
.903
|
.927
|
.953
|
.983
|
1.000
|
| $325,001 |
to
|
$350,000 |
.861
|
.887
|
.904
|
.929
|
.954
|
.984
|
1.000
|
| $350,001 |
to
|
$375,000 |
.864
|
.889
|
.905
|
.932
|
.955
|
.985
|
1.000
|
| $375,001 |
to
|
$400,000 |
.867
|
.891
|
.906
|
.933
|
.956
|
.986
|
1.000
|
| $400,001 |
to
|
$425,000 |
.870
|
.893
|
.907
|
.935
|
.957
|
.987
|
1.000
|
| $425,001 |
to
|
$450,000 |
.873
|
.895
|
.908
|
.937
|
.958
|
.988
|
1.000
|
| $450,001 |
to
|
$475,000 |
.877
|
.898
|
.909
|
.938
|
.959
|
.989
|
1.000
|
| $475,001 |
to
|
$500,000 |
.880
|
.900
|
.910
|
.940
|
.960
|
.990
|
1.000
|
| $500,001+ |
.891
|
.912
|
.921
|
.947
|
.966
|
.995
|
1.000
|
||
|
Coverage
A Amount Range
|
Policy Deductible | ||||||||
|
$7,500
|
$10,000
|
|
|
|
|
||||
|
$0
|
to
|
$35,000
|
1.000
|
1.000
|
|||||
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
|||||
| $50,001 |
to
|
$75,000 |
1.000
|
1.000
|
|||||
| $75,001 |
to
|
$100,000 |
1.000
|
1.000
|
|||||
| $100,001 |
to
|
$125,000 |
1.000
|
1.000
|
|||||
| $125,001 |
to
|
$150,000 |
1.000
|
1.000
|
|||||
| $150,001 |
to
|
$175,000 |
1.000
|
1.000
|
|||||
| $175,001 |
to
|
$200,000 |
1.000
|
1.000
|
|||||
| $200,001 |
to
|
$225,000 |
1.000
|
1.000
|
|||||
| $225,001 |
to
|
$250,000 |
1.000
|
1.000
|
|||||
| $250,001 |
to
|
$275,000 |
1.000
|
1.000
|
|||||
| $275,001 |
to
|
$300,000 |
1.000
|
1.000
|
|||||
| $300,001 |
to
|
$325,000 |
1.000
|
1.000
|
|||||
| $325,001 |
to
|
$350,000 |
1.000
|
1.000
|
|||||
| $350,001 |
to
|
$375,000 |
1.000
|
1.000
|
|||||
| $375,001 |
to
|
$400,000 |
1.000
|
1.000
|
|||||
| $400,001 |
to
|
$425,000 |
1.000
|
1.000
|
|||||
| $425,001 |
to
|
$450,000 |
1.000
|
1.000
|
|||||
| $450,001 |
to
|
$475,000 |
1.000
|
1.000
|
|||||
| $475,001 |
to
|
$500,000 |
1.000
|
1.000
|
|||||
| $500,001+ |
1.000
|
1.000
|
|||||||
|
Windstorm/Hail Deductible - $7,500
|
|||||||||
|
Coverage
A Amount Range
|
Policy
Deductible
|
||||||||
|
$1,000
|
$1,500
|
$2,000
|
$2,500
|
$3,000
|
$4,000
|
$5,000
|
|||
|
$0
|
to
|
$35,000
|
.764
|
.792
|
.812
|
.831
|
.849
|
.882
|
.919
|
| $35,001 |
to
|
$50,000 |
.766
|
.794
|
.813
|
.833
|
.852
|
.884
|
.921
|
| $50,001 |
to
|
$75,000 |
.767
|
.796
|
.815
|
.835
|
.854
|
.886
|
.922
|
| $75,001 |
to
|
$100,000 |
.769
|
.797
|
.817
|
.837
|
.856
|
.887
|
.924
|
| $100,001 |
to
|
$125,000 |
.771
|
.799
|
.819
|
.839
|
.858
|
.889
|
.925
|
| $125,001 |
to
|
$150,000 |
.774
|
.800
|
.822
|
.841
|
.860
|
.890
|
.927
|
| $150,001 |
to
|
$175,000 |
.776
|
.801
|
.824
|
.842
|
.861
|
.891
|
.928
|
| $175,001 |
to
|
$200,000 |
.782
|
.803
|
.826
|
.844
|
.863
|
.892
|
.930
|
| $200,001 |
to
|
$225,000 |
.788
|
.808
|
.828
|
.847
|
.865
|
.894
|
.931
|
| $225,001 |
to
|
$250,000 |
.797
|
.815
|
.834
|
.852
|
.869
|
.897
|
.933
|
| $250,001 |
to
|
$275,000 |
.802
|
.821
|
.839
|
.858
|
.873
|
.902
|
.934
|
| $275,001 |
to
|
$300,000 |
.811
|
.829
|
.845
|
.863
|
.877
|
.906
|
.936
|
| $300,001 |
to
|
$325,000 |
.821
|
.836
|
.851
|
.869
|
.884
|
.911
|
.938
|
| $325,001 |
to
|
$350,000 |
.825
|
.844
|
.859
|
.875
|
.895
|
.916
|
.939
|
| $350,001 |
to
|
$375,000 |
.830
|
.850
|
.870
|
.880
|
.900
|
.920
|
.940
|
| $375,001 |
to
|
$400,000 |
.836
|
.853
|
.874
|
.884
|
.906
|
.923
|
.943
|
| $400,001 |
to
|
$425,000 |
.843
|
.857
|
.877
|
.888
|
.912
|
.927
|
.946
|
| $425,001 |
to
|
$450,000 |
.851
|
.864
|
.882
|
.896
|
.916
|
.931
|
.951
|
| $450,001 |
to
|
$475,000 |
.862
|
.871
|
.887
|
.905
|
.923
|
.936
|
.955
|
| $475,001 |
to
|
$500,000 |
.873
|
.881
|
.892
|
.914
|
.931
|
.944
|
.959
|
| $500,001+ |
.885
|
.894
|
.906
|
.922
|
.939
|
.953
|
.968
|
||
|
Coverage
A Amount Range
|
Policy Deductible | ||||||||
|
$7,500
|
$10,000
|
|
|
|
|
||||
|
$0
|
to
|
$35,000
|
1.000
|
1.000
|
|||||
| $35,001 |
to
|
$50,000 |
1.000
|
1.000
|
|||||
| $50,001 |
to
|
$75,000 |
1.000
|
1.000
|
|||||
| $75,001 |
to
|
$100,000 |
1.000
|
1.000
|
|||||
| $100,001 |
to
|
$125,000 |
1.000
|
1.000
|
|||||
| $125,001 |
to
|
$150,000 |
1.000
|
1.000
|
|||||
| $150,001 |
to
|
$175,000 |
1.000
|
1.000
|
|||||
| $175,001 |
to
|
$200,000 |
1.000
|
1.000
|
|||||
| $200,001 |
to
|
$225,000 |
1.000
|
1.000
|
|||||
| $225,001 |
to
|
$250,000 |
1.000
|
1.000
|
|||||
| $250,001 |
to
|
$275,000 |
1.000
|
1.000
|
|||||
| $275,001 |
to
|
$300,000 |
1.000
|
1.000
|
|||||
| $300,001 |
to
|
$325,000 |
1.000
|
1.000
|
|||||
| $325,001 |
to
|
$350,000 |
1.000
|
1.000
|
|||||
| $350,001 |
to
|
$375,000 |
1.000
|
1.000
|
|||||
| $375,001 |
to
|
$400,000 |
1.000
|
1.000
|
|||||
| $400,001 |
to
|
$425,000 |
1.000
|
1.000
|
|||||
| $425,001 |
to
|
$450,000 |
1.000
|
1.000
|
|||||
| $450,001 |
to
|
$475,000 |
1.000
|
1.000
|
|||||
| $475,001 |
to
|
$500,000 |
1.000
|
1.000
|
|||||
| $500,001+ |
1.000
|
1.000
|
|||||||
|
Windstorm/Hail Deductible - $10,000
|
|||||||||
|
Coverage
A Amount Range
|
Policy
Deductible
|
||||||||
|
$1,000
|
$1,500
|
$2,000
|
$2,500
|
$3,000
|
$4,000
|
$5,000
|
|||
|
$0
|
to
|
$35,000
|
.744
|
.765
|
.788
|
.810
|
.820
|
.845
|
.884
|
| $35,001 |
to
|
$50,000 |
.746
|
.766
|
.790
|
.812
|
.822
|
.847
|
.885
|
| $50,001 |
to
|
$75,000 |
.747
|
.768
|
.792
|
.814
|
.824
|
.848
|
.886
|
| $75,001 |
to
|
$100,000 |
.748
|
.770
|
.793
|
.815
|
.826
|
.850
|
.888
|
| $100,001 |
to
|
$125,000 |
.750
|
.772
|
.795
|
.817
|
.827
|
.851
|
.889
|
| $125,001 |
to
|
$150,000 |
.752
|
.774
|
.796
|
.818
|
.829
|
.853
|
.891
|
| $150,001 |
to
|
$175,000 |
.754
|
.776
|
.798
|
.820
|
.831
|
.855
|
.892
|
| $175,001 |
to
|
$200,000 |
.757
|
.778
|
.799
|
.821
|
.832
|
.856
|
.893
|
| $200,001 |
to
|
$225,000 |
.760
|
.783
|
.801
|
.823
|
.834
|
.858
|
.895
|
| $225,001 |
to
|
$250,000 |
.764
|
.787
|
.803
|
.824
|
.835
|
.860
|
.896
|
| $250,001 |
to
|
$275,000 |
.772
|
.789
|
.805
|
.826
|
.837
|
.862
|
.898
|
| $275,001 |
to
|
$300,000 |
.781
|
.795
|
.811
|
.828
|
.840
|
.863
|
.899
|
| $300,001 |
to
|
$325,000 |
.788
|
.799
|
.818
|
.831
|
.844
|
.865
|
.901
|
| $325,001 |
to
|
$350,000 |
.793
|
.807
|
.823
|
.837
|
.847
|
.867
|
.902
|
| $350,001 |
to
|
$375,000 |
.796
|
.813
|
.827
|
.842
|
.852
|
.870
|
.904
|
| $375,001 |
to
|
$400,000 |
.799
|
.817
|
.832
|
.846
|
.856
|
.873
|
.907
|
| $400,001 |
to
|
$425,000 |
.804
|
.822
|
.836
|
.849
|
.861
|
.878
|
.914
|
| $425,001 |
to
|
$450,000 |
.808
|
.828
|
.841
|
.853
|
.865
|
.886
|
.923
|
| $450,001 |
to
|
$475,000 |
.813
|
.836
|
.845
|
.856
|
.872
|
.893
|
.932
|
| $475,001 |
to
|
$500,000 |
.820
|
.840
|
.850
|
.860
|
.880
|
.900
|
.940
|
| $500,001+ |
.847
|
.859
|
.876
|
.887
|
.902
|
.918
|
.946
|
||
|
Coverage
A Amount Range
|
Policy Deductible | ||||||||
|
$7,500
|
$10,000
|
|
|
|
|
||||
|
$0
|
to
|
$35,000
|
.940
|
1.000
|
|||||
| $35,001 |
to
|
$50,000 |
.942
|
1.000
|
|||||
| $50,001 |
to
|
$75,000 |
.944
|
1.000
|
|||||
| $75,001 |
to
|
$100,000 |
.945
|
1.000
|
|||||
| $100,001 |
to
|
$125,000 |
.946
|
1.000
|
|||||
| $125,001 |
to
|
$150,000 |
.948
|
1.000
|
|||||
| $150,001 |
to
|
$175,000 |
.949
|
1.000
|
|||||
| $175,001 |
to
|
$200,000 |
.950
|
1.000
|
|||||
| $200,001 |
to
|
$225,000 |
.951
|
1.000
|
|||||
| $225,001 |
to
|
$250,000 |
.953
|
1.000
|
|||||
| $250,001 |
to
|
$275,000 |
.954
|
1.000
|
|||||
| $275,001 |
to
|
$300,000 |
.956
|
1.000
|
|||||
| $300,001 |
to
|
$325,000 |
.957
|
1.000
|
|||||
| $325,001 |
to
|
$350,000 |
.959
|
1.000
|
|||||
| $350,001 |
to
|
$375,000 |
.960
|
1.000
|
|||||
| $375,001 |
to
|
$400,000 |
.962
|
1.000
|
|||||
| $400,001 |
to
|
$425,000 |
.964
|
1.000
|
|||||
| $425,001 |
to
|
$450,000 |
.965
|
1.000
|
|||||
| $450,001 |
to
|
$475,000 |
.967
|
1.000
|
|||||
| $475,001 |
to
|
$500,000 |
.970
|
1.000
|
|||||
| $500,001+ |
.975
|
1.000
|
|||||||
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 Deductible will be attached to the policy.
