MISSOURI

SECTION 05

RENTAL DWELLING

UNDERWRITING RULES
RULES MANUAL
RULE 05.3
  DATE: 09-15-2006

RULE 05.3 - CATASTROPHE PROCEDURES

Writing or binding new business or endorsing existing business must stop when public information sources including the news media, U. S. Weather Bureau, etc. announce that your area may be subject to any of the following potential catastrophe conditions:

1) Tornado "watch" or "warning".

2) Hurricane Watch - issued when there is a threat of hurricane conditions within 24 to 36 hours.

3) Hurricane Warning - issued when hurricane conditions are expected in 24 hours or less.

4) Gale Warnings - may be issued when winds of 39 - 54 mph are expected. When such warnings are issued in conjunction with the potential for hurricane development, writings should cease as indicated in the opening paragraph.

5) Storm Warnings - may be issued when winds of 55 to 73 mph are expected; not necessarily limited to hurricane activity.

6) Forest, range or brush fire - areas subject to damage from an existing fire, either in a direct line or announced as susceptible to an existing fire if wind conditions or other factors are unfavorable.

7) Volcanic Eruption - if a volcano becomes active or a reliable source indicates that eruption is a distinct possibility, or that ash and lava could endanger property.

8) Other National Disasters or Massive Power Failure - when there is the possibility of fire, increased crime or looting or contamination.

These restrictions shall remain in effect until such times as the passing of the emergency is announced by the appropriate governmental agency or the Home Office.