RULE 25.3D - ROOF RATING FACTORS
A roof rating factor may be applied based on the roof covering material on the dwelling. Our base premium reflects standard roof covering materials.
A factor will apply if the current roof covering meets U.L. Standard 2218 (or acceptable equivalent testing). The qualifying roof must have been installed after May 31, 1996 and must not be overlaid onto an existing roof. Verification that a roof passes Class 3 or 4 will need to be submitted to Underwriting.
A factor will also apply if a roof is wood, wood shingle or composition over wood.
This factor will be applied to the base premium.
| ROOF TYPE |
FACTOR
|
|
Passes
U.L. Standard 2218 - Class 1
|
1.00
|
|
Passes
U.L. Standard 2218 - Class 2
|
1.00
|
|
Passes
U.L. Standard 2218 - Class 3
|
.96
|
|
Passes
U.L. Standard 2218 - Class 4
|
.93
|
|
Wood
Shake/Wood Shingle
|
1.30
|
|
Composition
over Wood
|
1.30
|
If a Roof Rating Factor applies, it will be indicated on the Declarations Certificate.
