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Heritage Property & Casualty Insurance Company Homeowners Preferred HO3 Program

9/1/2015 Voluntary HO3 Program

HERITAGE PROPERTY & CASUALTY

INSURANCE COMPANY

Homeowners Preferred HO3 Program

Underwriting Guidelines and Rating Manual


4/1/2015 Voluntary HO3 Program TOC-1

TABLE OF CONTENTS

I. ELIGIBILITY/UNDERWRITING

A. Ineligible Risks ..............................................................................................................................UW-1

B. Occupancy/Use ............................................................................................................................UW-2

C. Roof ..............................................................................................................................................UW-2

D. Plumbing System ..........................................................................................................................UW-2

E. Age of Home at New Business – Water Damage Coverage .........................................................UW-2

F. Townhouse/Rowhouse ................................................................................................................UW-2

G. Unusual or Excessive Liability Exposure ......................................................................................UW-2

II. BINDING AUTHORITY

A. General .........................................................................................................................................BA-1

B. Prior Insurance .............................................................................................................................BA-1

C. Binding Suspension Due to Catastrophes ....................................................................................BA-1

D. Previous Cancellations/Non-Renewals ........................................................................................BA-1

E. Binding Authority Limits ..............................................................................................................BA-1

III. GENERAL RULES

A. Policy Term ...................................................................................................................................GR-1

B. Renewal Plan ................................................................................................................................GR-1

C. Cancellation or Reductions in Limits ............................................................................................GR-1

D. Multiple Company Insurance .......................................................................................................GR-1

E. Transfer or Assignment ................................................................................................................GR-1

F. Single Building Definition .............................................................................................................GR-1

G. Protection Class Information .......................................................................................................GR-1

H. Construction Definitions ..............................................................................................................GR-2

I. Mandatory Endorsements ...........................................................................................................GR-2

J. Waiver of Premium ......................................................................................................................GR-3

K. Premium Rounding ......................................................................................................................GR-3

L. Annual Dwelling and Other Structures Coverage Adjustment ....................................................GR-3

IV. PREMIUM CALCULATION

A. General .........................................................................................................................................PC-1

B. Amount of Insurance ...................................................................................................................PC-1

C. Age of Dwelling ............................................................................................................................PC-2

D. Total Renovations ........................................................................................................................PC-2

E. Protection Class/Construction .....................................................................................................PC-2

F. Building Code Effectiveness Grading ...........................................................................................PC-3

G. Premium Factors / Non-Hurricane Base Rate ..............................................................................PC-4

H. Premium Factors / Hurricane Base Rate ......................................................................................PC-6


5/15/2015 Voluntary HO3 Program TOC-2

PREMIUM CALCULATION (cont)

V. COVERAGE OPTIONS

A. Deductibles ...............................................................................................................................CO-1

B. Windstorm or Hail Exclusion .....................................................................................................CO-1

C. Water Damage Exclusion ..........................................................................................................CO-1

D. Hurricane Screen Enclosure and Carport Coverage .................................................................CO-2

E. Coverage B Limit .......................................................................................................................CO-2

F. Coverage C Limit .......................................................................................................................CO-2

G. Increased Section II Liability and Medical Payments Limits .....................................................CO-3

H. Personal Injury Coverage ..........................................................................................................CO-3

I. Ordinance or Law Coverage ......................................................................................................CO-3

J. Increased Replacement Cost on Dwelling ................................................................................CO-4

K. Personal Property Replacement Cost Coverage .......................................................................CO-4

L. Special Personal Property Coverage .........................................................................................CO-4

M. Coverage C Increased Special Limits of Liability .......................................................................CO-4

N. Personal Property- Scheduled ..................................................................................................CO-5

O. Loss Assessment Coverage .......................................................................................................CO-5

P. Limited Fungi (Mold), Wet or Dry Rot, or Bacteria Increased Coverage ..................................CO-6

Q. Limited Water Damage Coverage .............................................................................................CO-6

R. Home Computer Coverage .......................................................................................................CO-6

S. Sinkhole Coverage .....................................................................................................................CO-6

T. Golf Cart Physical Damage & Liability Coverage .......................................................................CO-7

U. Dog Liability Coverage...............................................................................................................CO-8

V. Water Back Up and Sump Overflow .........................................................................................CO-8

W. Additional Insured .....................................................................................................................CO-8

X. Additional Interest ....................................................................................................................CO-9

Y. Identity Theft Expense and Resolution Services Coverage .......................................................CO-9

Z. Platinum Preferred (Repair Program – Company Option) .......................................................CO-9

AA. Equipment Breakdown Coverage ............................................................................................CO-9

BB. Service Line Enhancement Endorsement .................................................................................CO-10

CC. Pillar Enhanced Coverage Endorsement ...................................................................................CO-10

DD. Mini-Farm Endorsement ...........................................................................................................CO-11

VI. PAYMENT OPTIONS

A. Full Pay .........................................................................................................................................PO-1

B. Semi-Annual Payment Plan ..........................................................................................................PO-1

C. Quarterly Payment Plan ...............................................................................................................PO-1

D. 11 Payment Plan ..........................................................................................................................PO-1

E. Credit Cards ..................................................................................................................................PO-1

F. Additional Fees ............................................................................................................................PO-1

G. NSF Checks ...................................................................................................................................PO-1

H. Commissions ................................................................................................................................PO-1

I. MGA / EMPATF Fees ....................................................................................................................PO-1

VII. TERRITORY BASE RATES…………………………………………………………………………………………….…....BR-1 to 8

VIII. TERRITORY DEFINITIONS BY ZIP CODE…………………………………………….……………………….…...TDZ-1 to 4

IX. PREMIUM CALCULATION WORKSHEET….……………………………………………………………….…….PCW-1 to 2

X. APPENDIX A – WLM CREDITS FOR EXISTING CONSTRUCTION……............................................APX A

XI. APPENDIX B – WLM CREDITS FOR NEW CONSTRUCTION……………………………………................….APX B

XII. APPENDIX C – SUNSHINE STATE TRANSITION RULE……………………………………………................….APX C


4/1/2014 Voluntary HO3 Program UW-1

I. ELIGIBILITY – UNDERWRITING

A. INELIGIBLE RISKS

1. Porches or decks more than 2 ft. off the ground or with 3 or more steps leading to them must be

protected with properly installed handrails.

2. Homes with open foundations.

3. Factory fabricated, transportable housing units built on a chassis (mobile or manufactured homes).

Note: Homes with components constructed off-site and assembled on-site which are subject to

local and state building codes are acceptable.

4. Properties located entirely over water.

5. Risks with any prior or current Sinkhole activity on the premises whether or not it results in a loss

to the dwelling.

6. Homes of unconventional construction including but not limited to Log Homes.

7. Homes with wood shingled roofs.

8. Homes without permanently installed heat source or with wood burning stoves, space heater or

fireplaces as primary source of heat.

9. Properties in a state of disrepair or properties with existing damage.

10. Risks with Knob & Tube electrical wiring, or aluminum electrical wiring, or fuses.

11. Risks with rental exposure. Note: A duplex, wherein one side is owner-occupied and the other side

is rented is acceptable.

12. Risks insured for less than 100% replacement cost.

13. Homes with Incidental Occupancies or homes used for any purpose other than residential.

14. Vacant or unoccupied homes.

15. Swimming pools that are not protected by a locking fence at least 4 ft. high or screened enclosure.

Fence or wall must be a permanent installation constructed of material that provides a reasonable

barrier to entry as determined by Heritage (e.g. chain link, wood, steel, aluminum).

16. Spas that are not covered and locked.

17. Risks with a previous property loss (whether or not paid by insurance) in the past 3 years at this or

any other location - other than 1 water, fire or theft loss occurring in the past 3 years provided the

amount of loss is less than $10,000.

18. Risks with a previous liability loss (whether or not paid by insurance) in the past 3 years at this or

another location.

19. Risks with vicious or exotic animals. Vicious animal is defined as any animal, regardless of breed,

that has a negative history including, but not limited to, biting, snapping, or causing or attempting

to cause injury to an individual or other animal. Saddle animals are permitted when there is no

business use.

20. Homes constructed from Exterior Finish Insulation System (EFIS) type material or synthetic stucco.

21. Dwellings in the course of construction unless the dwelling is expected to be occupied within the

next 30 days.

22. Dwellings located in Protection Class 10 or isolated, remote, or inaccessible risks.



23. Properties located on a farm, ranch, orchard or grove or where commercial farming or ranching

operations take place.

B. OCCUPANCY/USE

1. The one or two family residence must be occupied by the owner or by owner’s immediate family

only (no roomers or boarders).

a. Primary – occupied on a primary basis.

b. Secondary/Seasonal – a dwelling unoccupied for more than 3 months per one year period is

considered seasonal/secondary. A dwelling unoccupied for more than 3 months per one year

period must be located in a “secured area” (limited access with locked gates or guards) or the

dwelling has a functioning central station fire alarm and central station burglar alarm and

documentation acceptable to the Company is provided. A seasonal/secondary dwelling that

does not meet these criteria or is rented to others is not eligible for coverage under this

program.

2. Properties with Home Day Care exposure are eligible for this program with evidence of commercial

liability coverage and a copy of the State or County Home Day Care license. These documents must

be provided each year prior to renewal.

C. ROOF

Roof must be in good condition. Composition shingle roofs must have been replaced within 15 years.

D. PLUMBING SYSTEM

Risks with polybutylene and/or galvanized steel pipes may only be written with the water damage

exclusion. In order to be eligible for limited water damage coverage, homes with polybutylene and/or

galvanized steel pipes will require an inspection including the following:

1. Age of pipes and remaining useful life (must be at least 2 years);

2. Condition of pipes (must be above average or better);

3. Date of inspection (must be within the past 3 months); and

4. Inspector’s license information, including license type (either a Florida general contractor’s or

plumbing contractor) and number.

E. AGE OF HOME AT NEW BUSINESS / WATER DAMAGE COVERAGE

Homes over 40 years of age may be written with either limited water damage coverage (HPCHO 09

LWD) or excluding water damage coverage (HPCHO 09 WD).

F. TOWNHOUSE / ROWHOUSE

1. Each unit must be separated by parapet walls or adequate masonry firewalls.

2. There may be a maximum of 8 units per building.

G. UNUSUAL OR EXCESSIVE LIABILITY EXPOSURES

Risks with the following items are not acceptable for coverage. Bodily injury and property damage

liability are excluded for injuries or damage resulting from their use. Underwriting action, up to and

including cancellation, will be taken if any of these items are found to be present:

1. Trampolines;

2. Skateboard Ramps;

3. Bicycle Ramps;

4. Swimming pool slides;



5. Swimming pool diving boards; and

6. All Terrain Vehicles (ATV's).

Endorsement HPCHO 09 ELE – Unusual or Excessive Liability Exposure applies and is attached to all

policies.

Additional underwriting guidelines apply to specific endorsements or optional coverages and are

contained in the Coverage Options section of this manual.

Note: All Sunshine State Insurance Company renewal policies are eligible for the first policy term.


4/1/2014 Voluntary HO3 Program BA-1

II. BINDING AUTHORITY

A. GENERAL

1. Application must be maintained in Agent’s office and is subject to audit at request of the Company.

2. Risk must meet the Eligibility/Underwriting guidelines.

3. Risk must fall within our binding authority limits.

4. Risks may be written up to 60 days future effective.

5. Heritage Property & Casualty Insurance Company is not required to provide coverage in excess of

100% replacement cost to satisfy mortgage lending requirements per Florida Statute 626.9551 and

F.A.C. Rule 69O-167.009.

B. PRIOR INSURANCE / LAPSE IN COVERAGE

1. Risks with no proof of prior insurance or a lapse in coverage of over 30 days will be written with a

10% surcharge.

2. If the risk is a new purchase, there is no proof of prior insurance requirement.

C. BINDING SUSPENSION DUE TO CATASTROPHES

1. No applications for new business or endorsements for increased coverage may be bound, written

or issued when binding is suspended. Exceptions for previously scheduled closings may be

submitted to Underwriting for binding approval. Agents will be notified by bulletin and via our

website when binding has been suspended and when the suspension is lifted.

2. Binding may be suspended for the following reasons: Tropical Storm, Hurricane, Wildfire and Other

Catastrophe.

D. PREVIOUS CANCELLATIONS / NON-RENEWALS

Risks previously canceled for reasons other than reduction of hurricane exposure must be referred to

the Company before binding.

E. BINDING AUTHORITY LIMITS / PROGRAM DESCRIPTION

Coverage HO-3

A - Dwelling $100,000* to $1,000,000**

B - Other structures 2% to 70% of Coverage A

C - Contents Up to 75% of Coverage A

D - Loss of Use 10% of Coverage A

E - Personal Liability $100,000 to $500,000

F - Medical Payments $1,000 to $5,000

* $125,000 minimum Coverage A in coastal counties.

** Risks exceeding binding limits may be submitted to Underwriting for approval. Please contact the

Underwriting Department after you have fully completed an application in our processing system.

Additional documentation such as an appraisal may be required. Please allow at least 10 days for

the high value process.


4/1/2014 Voluntary HO3 Program GR-1

III. GENERAL RULES

A. POLICY TERM

The standard policy term is one year and may be extended for successive policy periods by renewal.

B. RENEWAL PLAN

If the company elects to offer renewal, policy may be renewed by the policyholder by paying the

renewal premium prior to the expiration of the current policy. Renewal policy will be issued based on

the premiums, forms and endorsements in effect at time of renewal. A new declaration page will be

issued.

C. CANCELLATION OR REDUCTIONS IN LIMITS OF LIABILITY OR COVERAGE

1. Mandatory coverages may not be canceled unless the entire policy is canceled.

2. If insurance is increased or reduced, the additional or return premium shall be computed on a pro-

rata basis.

3. The insured may cancel the policy at any time for any reason. We will refund any unearned

premium pro rata.

4. A partial sinkhole loss, 1 water damage loss or property losses that are a result of an Act of God will

not be used as a cause for cancellation or non-renewal unless the insured has failed to take action

reasonably necessary to prevent recurrence of damage to the insured property.

D. MULTIPLE COMPANY INSURANCE

We will not provide coverage for a dwelling that is also covered by another insurance policy.

E. TRANSFER OR ASSIGNMENT

No transfers or assignments are permitted. Each insured and/or property will require submission of a

new application.

F. SINGLE BUILDING DEFINITION

All buildings or sections of buildings that communicate through unprotected openings shall be

considered as a single building. Buildings that are separated by space shall be considered as separate

buildings.

Buildings or sections of buildings, which are separated by a 6-inch reinforced concrete or 8-inch

masonry party wall that pierces or rises to the underside of the roof and pierces or extends to the inner

side of the exterior wall, shall be considered a separate building. Accessibility between buildings with

independent walls or through masonry party walls described above shall be protected by at least a

Class A Fire Door installed in a masonry wall section.

G. PROTECTION CLASS INFORMATION

The Protection Class listings in the Public Protection Classification Manual apply. Use PC 10 for

unclassified areas. In a classified area where two or more classifications are shown (e.g. 6/9), the

classification is determined as follows:

Miles to Fire Station Feet to Hydrant Class

Less than 5 Less than 1,000 first PC

Less than 5 More than 1,000 9

More than 5 10



Protected Subdivision Rule: A dwelling located in a qualifying restricted subdivision will receive the

rating of the responding fire department if ALL OF THE FOLLOWING APPLY:

1. The subdivision is under development with recorded plat and paved roads where dwellings are

built by licensed contractors subject to building restrictions as to type and square footage.

2. The subdivision contains at least 10 houses.

3. The subdivision is within 5 miles travel distance of a responding fire department.

4. The home is located within 1,000 feet of fire hydrant, or responding fire department is equipped to

transport water or pump water from swimming pools or other sources within 1,000 feet of the

home.

Exceptions to the Protection Class listings in the Public Protection Classification Manual will be

considered upon review by Underwriting.

H. CONSTRUCTION DEFINITIONS

1. Frame - exterior wall of wood or other combustible construction, including wood-iron clad, stucco

on wood or plaster on combustible supports, and aluminum or plastic siding over frame.

2. Masonry Veneer - exterior walls of frame construction veneered with more than 75% brick or

stone.

3. Masonry - exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum

block, hollow concrete block, stone, tile, or similar materials, and floors and roof of combustible

construction.

4. Superior Construction - exterior walls, floors, and roof constructed of masonry or other non-

combustible materials.

Note: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be

classified as Frame when the exterior walls of frame construction (including gables) exceed

33 1/3% of total exterior wall area; otherwise classify as Masonry.

5. Hardiplank Siding – Frame homes with Hardiplank Siding shall be classified as Frame.

I. MANDATORY ENDORSEMENTS

1. HO 00 03 – Homeowners 3 Special Form.

2. HPCHO3 09 SP – Special Provisions for Florida / HO-3.

3. HPCHO 23 70 – Windstorm Exterior Paint or Waterproofing Exclusion– Seacoast – Florida is

attached to all policies that include wind coverage in the following territories: 50, 70, 120, 121, 122,

123, 124, 125, 126, 127, 128, 129, 130, 131, 132, 133, 134, 143, 144, 145, 146, 147, 180, 181, 182,

310, 360, 361, 410, 420.

4. HO 04 96 – No Section II – Liability Coverages for Home Day Care Business / Limited Section I –

Property Coverages for Home Day Care Business.

5. HPCHP 06 CLP – Collapse Coverage.

6. HPCHO 09 DN – Deductible Notification.

7. HPCHO 09 ED – Existing Damage Exclusion.

8. HPCHO 08 ELE – Unusual or Excessive Liability Exposures.

9. HPCHO 09 FCE – Limited Fungi, Mold or Dry Rot or Bacteria Coverage Endorsement.

10. HO 03 51 – Calendar Year Hurricane Deductible (%) with Supplemental Reporting Requirement-FL

or HO 03 52 – Calendar Year Hurricane Deductible (Fixed $) with Supplemental Reporting

Requirement-FL.



11. HPCHO REJ OLR – Ordinance or Law Coverage Rejection Form.

12. HPC PRI – Privacy Notice.

13. OIR B1 1655 – Notice of Premium Discounts for Hurricane Loss Mitigation.

14. OIR B1 1670 – Checklist of Coverage.

15. HPCHO 09 OTL – Outline of Coverage.

16. HPCHO 09 SDE – Secondary/Seasonal Dwelling Endorsement when occupancy is

seasonal/secondary.

17. HPCHO3 IDX - Special Form Index.

18. HPCHO 09 WD – Water Damage Exclusion (for homes over 40 years of age at new business and

homes with polybutylene and/or galvanized steel plumbing pipes).

J. WAIVER OF PREMIUM

When a policy is first issued or endorsed after the inception date, additional or return premium of less

than $5 is waived. However, we will return unearned premium upon request

K. PREMIUM ROUNDING

When calculating premium, adjusted base rates and premiums for each optional coverage are rounded

to the nearest whole dollar before summing.

L. ANNUAL DWELLING AND OTHER STRUCTURES COVERAGES ADJUSTMENT

Dwelling and Other Structures coverage will be reviewed annually and amended for changes in

replacement cost based on changes in underlying construction costs.


4/1/2014 Voluntary HO3 Program PC-1

IV. PREMIUM CALCULATION

A. GENERAL

1. This section provides explanation of how premiums are determined and what adjustments are

applied to price each risk. Rates for optional coverages follow premium adjustments.

2. Two base rates apply to each territory: "Hurricane" and "Non Hurricane". Premium adjustments

apply to the Hurricane Base Rate (HUR), the Non Hurricane Base Rate (NHR), or both Base Rates.

3. Premium adjustments are calculated by multiplying the factors provided below by the appropriate

base rate (HUR, NHR, or both) to calculate adjusted base rates.

4. Optional coverages that result in additional premium are presented beginning on page OC-1.

Additional premiums are presented as a dollar amount, or a percentage of the unadjusted base

rates.

B. AMOUNT OF INSURANCE

Coverage A Factor Coverage A Factor

$75,000 0.407 $310,000 1.381

$100,000 0.543 $320,000 1.420

$110,000 0.585 $330,000 1.458

$120,000 0.628 $340,000 1.497

$130,000 0.674 $350,000 1.535

$140,000 0.720 $360,000 1.573

$150,000 0.768 $370,000 1.611

$160,000 0.816 $380,000 1.649

$170,000 0.861 $390,000 1.688

$180,000 0.906 $400,000 1.726

$190,000 0.953 $410,000 1.764

$200,000 1.000 $420,000 1.802

$210,000 1.056 $430,000 1.840

$220,000 1.097 $440,000 1.878

$230,000 1.117 $450,000 1.916

$240,000 1.135 $460,000 1.954

$250,000 1.149 $470,000 1.991

$260,000 1.188 $480,000 2.029

$270,000 1.227 $490,000 2.067

$280,000 1.266 $500,000 2.105

$290,000 1.304 Each Add'l

$300,000 1.343 $1K 0.0038



C. AGE OF DWELLING

Non-Hurricane Hurricane

Age Factor Age Factor Year Built Factor

0 0.85 26 1.13 2005+Newer 1.00

1 0.86 27 1.14 2004 1.00

2 0.87 28 1.15 2003 1.00

3 0.88 29 1.16 2002 1.00

4 0.89 30 1.17 2001 0.82

5 0.90 31 1.18 2000 0.82

6 0.91 32 1.19 1999 0.82

7 0.93 33 1.20 1998 0.82

8 0.94 34 1.21 1997 0.82

9 0.95 35 1.22 1996 0.82

10 0.96 36 1.23 1995 0.86

11 0.97 37 1.24 1994 1.00

12 0.98 38 1.26 1993 1.00

13 0.99 39 1.27 1992 1.00

14 1.00 40 1.28 1991 1.00

15 1.01 41 1.29 1990 1.00

16 1.02 42 1.30 1989 1.00

17 1.03 43 1.31 1987-88 1.00

18 1.04 44 1.32 1982-86 1.00

19 1.05 45 1.33 1977-81 1.00

20 1.06 46 1.34 1972-76 1.00

21 1.07 47 1.35 1962-71 1.00

22 1.09 48 1.36 1952-61 1.00

23 1.10 49 1.37 1951 & + 1.00

24 1.11 50 1.38

25 1.12 51& + 1.38

Age is determined by subtracting the year in which construction of the residence was completed

from the year in which the policy is effective.

D. TOTAL RENOVATIONS

If acceptable documentation demonstrates that a residence has been totally* renovated, the year in

which the total renovation began may be used as the date of construction. Total renovation will

require a totally new electrical, plumbing (above the slab), heating and A/C, roof and window systems,

and must be verified by a certified inspector based on an on site inspection.

*Complete documentation should be submitted to Underwriting prior to binding.

E. PROTECTION CLASS / CONSTRUCTION

Apply to Non Hurricane Base Rate (NHR):

Frame Masonry Superior

1-6

7

8

9

10

1.00

1.30

1.40

2.30

2.50

0.87

1.00

1.00

1.45

1.50

0.75

0.80

0.90

1.00

1.25



Apply to Hurricane Base Rate (HUR):

Construction Factor

Frame

Masonry

Superior

1.00

.80

.75

F. BUILDING CODE EFFECTIVENESS GRADING

1. The Building Code Effectiveness Grading Schedule develops a grade of 1 to 10 for a community

based on the adequacy of its building code and the effectiveness of its enforcement of that code.

Policies may be eligible for special rating adjustments subject to the criteria in this section.

2. In some communities, two Building Code Effectiveness Grades may be assigned. One grade will

apply to 1 and 2 family dwellings and the other to multiple unit dwellings. The Public Protection

Classification Manual will indicate the application of each grade.

3. The Building Code Effectiveness Grades for a community, and their effective dates, are provided in

the Public Protection Classification Manual published by ISO Commercial Risk Services, Inc.

4. Community Grading

a. The Building Code Effectiveness Grade applies to any building that has an original certificate of

occupancy dated in the year of the effective date of the community grading, or later.

b. If a community is regraded subsequent to its initial grading, the factor for the revised grade

applies to buildings that have an original certificate of occupancy dated the year of the effective

date of the revised grading, or later.

c. Where certificates of occupancy are not issued, reasonable evidence of year of construction will

be accepted.

d. If, due to an addition or alteration, the original building is changed to comply with the latest

building code, the factor for the community applicable at the time the reconstruction is

completed will apply.

5. Individual Grading

a. Where buildings have been built in full conformance with the natural hazard mitigation

elements of one of the nationally recognized building codes even though the community grade

is greater than 1, or the community is not participating in the program, exception rating

procedures may apply.

b. Any building may be classified as Grade 1 for Windstorm/Hail upon certification by a registered

or licensed design professional based on an on-site inspection, that such building is in

compliance with one of the three nationally recognized building codes with respect to

mitigation of the windstorm and/or hail hazard. This classification is effective only from the

date of the certification.



6. Ungraded and Nonparticipating Risks

Buildings that do not meet the criteria above for community or individual grading should be coded

as "Ungraded" or "Non-Participating" if the community has chosen not to participate.

Grade Factor

HUR NHR

1

2

3

4

5

6

7

8

9

10 or Ungraded

Non-Participating

0.88

0.91

0.92

0.94

0.95

0.97

0.98

0.98

0.99

1.00

1.01

0.97

0.97

0.97

0.98

0.98

0.98

0.99

0.99

0.99

1.00

1.01

G. PREMIUM FACTORS - NON HURRICANE BASE RATE

Product of applicable premium factors in this section is applied to the Non Hurricane Base Rate (NHR).

Factor

1. Secured Community/Building Credit: (Seasonal/Secondary residences are

not eligible for this discount.)

a. A single entry leads into the sub-division or

community is protected by 24-hour security patrol. .90

b. 24 hour-manned gates protect all entrances to community or

passkey gates protect all entrances to the community. .85

2. Protective Devices

a. Fire alarm reporting to fire or central station. .90

or Complete home sprinkler system. .85

b. Complete local burglar alarm (covers all exterior doors & windows). .95

or Complete burglar alarm reporting to police or central station. .90

Note: Burglar alarm credits are not available when coverage C limit is less than 40% of Coverage A.

Use Endorsement HO 04 16 – Premise Alarm or Fire Protection System.

3. Senior/retiree discount

Any named insured has reached the age of 55. .90

4. No Prior Insurance / Lapse in Coverage Surcharge

Risks with no proof of prior insurance or a lapse in coverage of over 30 days 1.10

5. Individual Insurance Financing Scoring – Tiered Rating

a. The credit of the named insured will be reviewed in compliance with section 626.9714, F.S. and Florida

Rule 69B-125.004. Credit is evaluated along with prior claim history, condition and other risk

factors.

b. Credit history is ordered and an Insurance Score is determined on the Named Insured only for all new

business policies. Agent must obtain permission from the applicant prior to requesting the credit report.



c. A CLUE report is also ordered, and a property inspection report may be ordered. Two or more claims

and/or poor condition of the property may make the risk ineligible.

d. The Insurance Score and prior claims history are used to determine the rating Tier (see following tables).

e. Heritage does not make adverse underwriting decisions due to credit when the Insurance Score cannot

be generated for either a No Hit of lack of data. A “No Hit/No Score” qualifies for a discount if there

were no prior claims in the past 3 years.

f. Credit history will be run for new business and again at every second renewal. The most recent

insurance score will be used to determine tier placement.

TIER CRITERIA TABLE

Tiered rating is utilized to broaden underwriting eligibility and properly match rate to risk. Consumer data

gathered from the applicant and third party providers determines tier placement. Criteria used for tier

placement include Insurance Score and prior non-catastrophe claims. Non-catastrophe claims will be reviewed

at every renewal. Non-catastrophe claims older than three years old will not be counted against the insured tier

placement.

Tier Factor

Insurance

Score

Range

Tier Placement by Prior Claims

Tier Factor Tier Factor

0 1 2+

876-999 5 8 9 5 0.62 18 1.18

826-875 6 9 10 6 0.65 19 1.24

801-825 7 10 11 7 0.68 20 1.27

776-800 8 11 12 8 0.73 21 1.35

751-775 10 13 14 9 0.76 22 1.41

726-750 11 14 15 10 0.79 23 1.46

701-725 13 17 18 11 0.84 24 1.53

676-700 16 18 20 12 0.89 25 1.53

651-675 17 20 21 13 0.94 26 1.53

626-650 18 21 23 14 0.97 27 1.53

601-625 19 22 24 15 1.03 28 1.53

576-600 21 24 26 16 1.06 29 1.53

551-575 22 25 27 17 1.10 30 1.53

000-550 23 28 29

No Score 12 15 16



H. PREMIUM FACTORS - HURRICANE BASE RATE

1. Windstorm Loss Mitigation Features

When a policy covers the peril of Windstorm or Hail, the risk may be eligible for a premium credit

up to a maximum of 90%, including the BCEG credit, if one or more loss mitigation features or

construction techniques exist. Supporting documentation that substantiates the existence of loss

mitigation features is required in order to receive the credits. Note that when the windstorm

protective devices credit applies, Endorsement HO 04 21 – Windstorm Protective Devices will be

attached.

For homes built prior to 2002, certification by a registered or licensed design professional is

required for the Roof Coverage, Roof Deck Attachment and Roof Wall Connection. Sale and/or

installation documentation is required for all Opening Protection.

Existing Construction Credits (Homes built prior to 2002)

Obtain credit from Appendix A. Subtract credit from one to obtain premium factor Windstorm

Loss Mitigation Features.

New Construction Credits (Homes built in 2002 or newer)

Obtain credit from Appendix B. Subtract credit from one to obtain premium factor for

Windstorm Loss Mitigation Features.

The Wind Premium Credits apply to all wind premium. The credits will apply to the entire

calculated hurricane premium. Five percent (5%) of the non-hurricane premium is for non-

hurricane wind coverage.

Therefore, the Windstorm Premium Credits apply to five percent (5%) of the non-hurricane

premium.

The credit discount factor is calculated as follows:

0.95 + .05 * (1-Wind Premium Credit)

Example: If the WPC in the table is .60, the factor is 0.95 + .05*(1-.60) = 0.97

2. Additional Risk Exposure Factors:

Flat Tile Roof (flat masonry or clay) .98

Hip Roof

If the roof slopes down to meet all walls (like a pyramid), it is considered a Hip Roof. This design

has superior ability to withstand high winds and will result in a premium credit.

Other factors negate the value of this design. Hip Roof must be verified by photographic

documentation. Roof Shape (Geometry) determination will be based on the definition set forth

in the latest approved OIR-B1-1802 form.

3. No Prior Insurance / Lapse in Coverage Surcharge

Risks with no proof of prior insurance

or a lapse in coverage of over 30 days 1.10


4/1/2014 Voluntary HO3 Program CO-1

V. COVERAGE OPTIONS

A. DEDUCTIBLES

1. All policies are subject to a deductible that applies to loss from all Section I perils. The Hurricane

deductible applies to a calendar year basis subject to either Endorsement HO 03 51 – Calendar Year

Hurricane Deductible (%) with Supplemental Reporting Requirement-FL or HO 03 52 – Calendar

Year Hurricane Deductible (Fixed $) with Supplemental Reporting Requirement-FL. In the event of

the first windstorm loss caused by a single hurricane occurrence during a calendar year, we will pay

only that part of the total of all loss payable under Section I – Property Coverages that exceeds the

calendar year hurricane deductible. With respect to a windstorm loss caused by the second, and

each subsequent, hurricane occurrence during the same calendar year, we will pay only that part of

the total of all loss payable under Section I – Property Coverages that exceeds the greater of the

remaining dollar amount of the calendar year hurricane deductible; or the deductible that applies

to fire that is in effect at the time of the loss.

2. For all perils except hurricane (apply to NHR)

3. For losses due to Hurricane (apply to HUR)

Deductible

$500 2% Cov. A 5% Cov. A 10% Cov. A

$75,000 – 100,000 1.00 0.78 0.73 0.58

$100,001 - 200,000 1.00 0.76 0.70 0.55

>$200,000 1.00 0.75 0.70 0.55

4. Deductibles may be increased at any time during the policy period. Deductibles may only be

decreased at time of renewal.

B. WINDSTORM OR HAIL EXCLUSION / HO 04 94

1. The perils of Windstorm and Hail may be excluded in areas where coverage is available from

Citizens Property Insurance Corporation. We will require this endorsement in some territories

based on capacity. In addition, windstorm coverage can be excluded if all named insureds,

mortgagees and other insurable interests complete and sign the Option to Exclude Windstorm

Coverage form HPC 09 WE. The original form must be sent to the Company and a copy provided to

the insured.

2. When wind and hail are excluded, apply the following premium factors:

NHR: .95 HUR: .00

3. Use Endorsement HO 04 94 – Windstorm or Hail Exclusion.

C. WATER DAMAGE EXCLUSION / HPCHO 09 WD

1. Water damage will be excluded for the following risks:

a. Homes over 40 years of age;

b. Homes with polybutylene and/or galvanized steel plumbing.

2. The peril of Water Damage may also be excluded from any risk and results in a lower premium. In

addition to what is automatically excluded in the policy, this endorsement will exclude discharge or

Amount Factor

$500

1,000

2,500

5,000

1.00

0.85

0.80

0.77



overflow of water or steam from within a plumbing, heating, A/C, automatic sprinkler system or

from within a household appliance; as well as water penetrating through the roof or exterior walls

or windows unless water penetration is a direct result of damage caused by a Peril Insured Against

other than water. When water damage is excluded, apply the following factors:

NHR: .90 HUR: 1.00

3. Use Endorsement HPCHO 09 WD – Water Damage Exclusion.

D. HURRICANE-SCREEN ENCLOSURES AND CARPORTS COVERAGE / HPCHO 09 WSE

1. Provides coverage for loss caused by hurricane to aluminum framing for screened enclosures and

carports permanently attached to the dwelling on a replacement cost basis. This endorsement

does not provide coverage for screen material or costs associated with removing or replacing

screens. This endorsement does not increase the limit of liability for Coverage A. This coverage is

available in increments of $5,000 up to a maximum of $75,000.

2. Additional premium:

(Selected Limit / $50,000) x 0.32 x HUR Base x Lesser of (Amount of Insurance Factor, 4.0)

3. Use Endorsement HPCHO 09 WSE – Limited Screened Enclosure and Carport Coverage.

E. COVERAGE B – OTHER STRUCTURES / HO 04 48

1. Insured may select desired coverage limit for other structures located on the residence premises.

Other structures may not be rented to others, or used by non-related persons for residence

purposes.

2. Minimum coverage equal to 2% of Coverage A is included in the basic policy. The following

additional coverages are available (apply to NHR and HUR):

% of Cov. A Factor

5% 1.025

10% 1.06

15% 1.10

20% 1.14

3. If additional Coverage B is required beyond the maximum available, 20% of Coverage A blanket

limit, specific Other Structures may be added to this policy using endorsement HO 04 48. Note that

specific coverage on Other Structures cannot be added unless the 20% blanket coverage has been

selected. Sum of coverage provided by blanket and specific Coverage B cannot exceed 70% of

Coverage A.

4. Additional Premium:

NHR - $1.33 per $1,000, HUR - $2.67 per $1,000.

F. COVERAGE C - CONTENTS

1. Insured must select desired coverage limit for personal property. Coverage C is available in 5% (of

Coverage A) increments from a minimum 25% to maximum 75%, or may be excluded entirely. Base

rates include contents coverage equal to 50% of Coverage A.

% of Cov A Factor

HUR NHR

0% .70 .80

25% .85 .925

50% 1.00 1.00

75% 1.15 1.125



2. Factors for amounts between 50% and 25% or 75% are proportional.

3. Note: If the named insured(s) chooses to exclude contents coverage entirely, form HPC 09 CE –

Option to Exclude Contents Coverage or the Option to Exclude Coverage section of the application

must be completed and signed by all named insureds. The original form or signed application must

be sent to the Company and a copy provided to the insured.

G. INCREASED SECTION II LIMITS

1. All policy forms provide basic limits of $100,000 per occurrence for Coverage E, and $1,000 per

person for Coverage F.

2. Additional premium for increased limits in Broward, Dade, Indian River, Martin, Palm Beach and St.

Lucie:

3. Additional premium for increased limits in all other counties not listed above:

Coverage E - Liability

Limit Additional Premium

Coverage F - Medical Payments


$200,000 $10 $2,500 $6

$300,000 $15 $5,000 $10

$500,000 $30

H. PERSONAL INJURY COVERAGE / HO 24 82

1. Provides liability coverage for personal injury to others for offenses such as false arrest, detention

or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction

or wrongful entry.

2. Additional premium: $15

3. Use Endorsement HO 24 82 – Personal Injury Coverage.

I. ORDINANCE OR LAW COVERAGE

1. Provides coverage for increases in cost of reconstruction, repair, or demolition of property that

result from local laws or ordinances regulating such. Additional coverage provided by this

endorsement is limited to 10% (HPCHO 09 OL3), 25% (HPCHO 09 OL1) or 50% (HPCHO 09 OL2) of the

Coverage A policy limit. Per 627.7011 (b), Florida Statute, the 25% endorsement will automatically

be provided to any HO-3 policy issued unless the insured signs a rejection form (HPCHO REJ OLR).

2. Additional premium: 10% Limit:

(5% of NH Base X Amt of Ins Factor X PC Factor X Age Factor) +

(5% of HUR Base X Amt of Ins Factor X Const Factor X Year Built (YB*) factor)



(10% of HUR Base X Amt of Ins Factor X Const Factor X Year Built (YB*) factor)



(15% of HUR Base X Amt of Ins Factor X Const Factor X YB factor)

Coverage E - Liability


Coverage F - Medical Payments


$200,000 $20 $2,500 $6

$300,000 $30 $5,000 $10

$500,000 $50



5. *For Years Built 2002 and newer, the Year Built Factor = .50 in the hurricane calculation. This

applies to the calculations of OL, IRC, PPRC, and SPPC.

J. INCREASED REPLACEMENT COST ON DWELLING / HPCHO 09 IRC

1. This endorsement is intended to cover additional costs of construction that are incurred due to

increases in the cost of construction that occur during the policy period. Increased construction

cost is normally the result of increased demand relative to supply of labor and materials that can

occur subsequent to a catastrophic loss that impacts a substantial number of properties in a region.

Additional coverage provided by this endorsement is limited to a maximum of 20% of Coverage A.

This endorsement does not cover increased construction costs attributable to laws or ordinances

governing construction.


(5% of NH Base X Amt of Ins Factor X PC Factor X Age Fac)+

(5% of HUR Base X Amt of Ins Factor X Const Fac X YB Fac)

3. Use Endorsement HPCHO 09 IRC – Increased Replacement Cost on Dwelling.

K. PERSONAL PROPERTY REPLACEMENT COST COVERAGE / HPCHO 04 90

1. Provides for settlement of losses for contents coverage {Coverage C) on a replacement cost Basis.


(15% of NH Base X Amt of Ins Factor X PC Factor X Age Factor)+

(15% of HUR Base X Amt of Ins Factor X Const Factor X YB Factor)

3. Use Endorsement HPCHO 04 09 – Personal Property Replacement Cost Coverage.

L. SPECIAL PERSONAL PROPERTY COVERAGE / HO 00 15

1. Modifies loss settlement from named to open perils for contents.


(10% of NH Base X Amt of Ins Factor X PC Factor X Age Factor)+

(10% of HUR Base X Amt of Ins Factor X Const Factor X YB Factor)

3. Use Endorsement HO 00 15 – Special Personal Property Coverage.

M. COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY / HO 04 65

1. The special limits of liability in the policy for jewelry, watches, furs ($1,000) and silverware,

goldware, pewterware ($2,500) may be increased as follows:

a. Jewelry, Watches and Furs: The special limit of liability of $1,000 may be increased to a

maximum of $5,000, but not to exceed $1,000 for any one article. The additional premium

shall be $18 for each $1,000 of increased coverage.

b. Silverware, Goldware and Pewterware: The special limit of liability of $2,500 may be

increased to a maximum of $10,000. The additional premium shall be $6.50 for each $1,000

of increased coverage.

2. This coverage is available for primary occupancy only.

3. Use Endorsement HO 04 65 – Coverage C Increased Special Limits of Liability.

4. Endorsement HO 04 66 – Coverage C Increased Special Limits of Liability will be attached if policy

included Endorsement HO 00 15 – Special Personal Property Coverage.



N. PERSONAL PROPERTY – SCHEDULED / HPCHO 09 SPP

1. Additional risks coverage may be purchased for the following classes of property.

Property Rate per $100

Antiques $.90

Bicycles $9.35

Cameras & Projection Equipment

(non professional) $1.52

Coins $1.80

Fine Arts

No breakage $.50

Breakage $1.00

Furs $.40

Golfer’s Equipment $1.40

Guns :

Collectible $1.50

Fired $3.00

Jewelry $2.00

Miscellaneous Personal Property $1.00

Musical Instruments

(non professional) $.60

Other Sports Equipment $2.00

Silverware $.45

Stamps $.80

2. Underwriting Guidelines:

a. Appraisals or bills of sale – with photo included - less than 3 years old must accompany single

items worth $2,500 or more. (Copy is acceptable)

b. Schedules, which total over $35,000 or include individual items worth more than $10,000

should be submitted for approval prior to binding.

c. This coverage is available for primary occupancy only.

3. Use Endorsement HPCHO 09 SPP – Scheduled Personal Property.

O. LOSS ASSESSMENT COVERAGE – INCREASED LIMITS / HO 04 35

1. Provides increased coverage for assessments relating to the residence premises. The basic policy

includes $1,000 coverage.


3. Use Endorsement HO 04 35 – Loss Assessment Coverage.

Limit Premium

$ 5,000 $15

10,000 25



P. LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA INCREASED COVERAGE / HPCHO 09 FCE

1. The basic policy includes $10,000 coverage for Fungi (Mold), Wet or Dry Rot or Bacteria. Coverage

can be increased, at renewal, as shown below.


3. Any request to increase the coverage limit to $25,000 or $50,000, must be submitted to

underwriting for prior approval. An interior inspection may be required to detect the presence of

moisture, fungi, mold, wet/dry rot or bacteria within the dwelling. Unacceptable levels or failure to

allow the inspection will result in policy cancellation.

4. Use Endorsement HPCHO 09 FCE – Limited Fungi (Mold), Wet or Dry Rot, or Bacteria Increased

Coverage.

Q. LIMITED WATER DAMAGE COVERAGE / HPCHO 09 LWD

1. Under certain conditions, homes are written with the Water Damage Exclusion. For an additional

premium, the policy may be endorsed to provide coverage for sudden and accidental discharge or

overflow of water or steam from within a plumbing, heating, A/C, automatic sprinkler system or

from within a household appliance. The limit of liability for all covered property under this option

is $10,000.

2. Additional Premium: NHR: 8% surcharge (1.08 factor).

3. This coverage is not available for risks with polybutylene and/or galvanized steel pipes without an

accepted inspection.

4. Use Endorsement HPCHO 09 LWD – Limited Water Damage.

R. HOME COMPUTER COVERAGE / HPCHO 09 HC

1. Provides coverage for computers and related equipment against additional risks of physical loss

subject to certain exclusions. In addition, this endorsement permits business use of a personal

computer. This coverage is available to a maximum limit of $20,000.

2. Additional premium: $6 for each $1,000.

3. Use Endorsement HPCHO 09 HC – Home Computer Coverage.

S. SINKHOLE COVERAGE / HPCHO 09 SLC

The base policy covers Catastrophic Ground Cover Collapse as defined by Florida Statute 627.706.

Sinkhole Coverage is excluded in the base policy, but may be purchased for an additional premium. For

both new and renewal business, the insured may elect an optional 10% deductible for this coverage.

10% Sinkhole Deductible Sinkhole Deductible Factor

Yes 0.90

No 1.00

New policies may be bound only with the Catastrophic Ground Cover Collapse. If the policyholder

elects the option for Sinkhole Coverage, an approved structural inspection of the home must be

completed prior to adding the coverage. The inspection will document existing damage, evaluate the

structural integrity of the dwelling, and verify that there is no current or proximate sinkhole activity

that has not been disclosed. Optional Sinkhole Loss Coverage will be approved for those homes that do

not display characteristics associated with sinkhole damage. The Optional Sinkhole Loss Disclosure

Form must be completed and signed by all named insureds.

Optional Increased Limit Premium

$25,000 Each covered loss/ $50,000 Policy Aggregate

$50,000 Each covered loss/ $50,000 Policy Aggregate

$60

$90



An “Approved” inspection service is one that has been designated by us as competent to perform the

evaluation, and whose report format meets our informational requirements. The insured will contract

directly with the Approved inspection service, and pay an arranged fee, which will be one half of the

amount we have negotiated with the inspection service. We will pay the other half and both parties

will receive a copy of the inspection. The policyholder will be advised separately of the underwriting

decision to accept or decline coverage. When coverage is accepted it will become effective the date of

the inspection. The fee will not be refundable no matter how the underwriting decision is reached.

Areas subject to this rule: All areas of the State are subject to this rule.

Additional Premium:

(NH Base X Amt. of Ins. Factor X Territory Surcharge in chart below

X Sinkhole Deductible Factor from table above)

Territory Surcharge Territory Surcharge Territory Surcharge Territory Surcharge Territory Surcharge

126F01 1.60% 146F02 3.00% 459F05 66.00% 480F05 32.10% 520F04 7.50%

127F01 10.00% 146F03 3.00% 459F06 66.00% 480F06 32.10% 520F05 7.50%

127F02 10.00% 146F05 3.00% 470F04 35.00% 480F07 32.10% 521F02 25.00%

127F04 10.00% 146F06 3.00% 470F05 35.00% 480F08 32.10% 521F03 25.00%

127F05 10.00% 147F01 1.60% 470F06 35.00% 480F09 32.10% 521F04 25.00%

128F03 90.00% 147F02 1.60% 470F07 35.00% 480F10 32.10% 521F05 25.00%

128F04 90.00% 390F01 1.50% 470F08 35.00% 480F11 32.10% 522F01 22.00%

128F05 90.00% 390F02 1.50% 471F04 30.50% 481F05 28.00% 522F02 22.00%

128F06 90.00% 391F01 1.40% 471F05 30.50% 481F06 28.00% 522F03 22.00%

129F06 100.00% 410F03 1.90% 471F06 30.50% 481F08 28.00% 523F01 1.40%

129F07 100.00% 456F01 4.00% 472F07 35.00% 490F04 7.50% 523F02 1.40%

129F08 100.00% 457F01 4.00% 472F08 35.00% 500F04 12.00% 524F01 15.90%

129F09 100.00% 457F02 4.00% 472F09 35.00% 500F05 12.00% 525F01 3.00%

145F05 4.00% 458F02 80.00% 472F10 35.00% 500F06 12.00% 528F01 3.00%

145F07 4.00% 458F03 80.00% 472F11 35.00% 511F03 7.50% 529F01 1.60%

145F09 4.00% 458F04 80.00% 473F04 28.90% 511F04 7.50% Other 2.00%

146F01 3.00% 459F04 66.00% 473F05 28.90% 520F03 7.50%

Use Endorsement HPCHO 09 SLC – Optional Sinkhole Loss – Section I Property Coverage.

T. GOLFCART PHYSICAL DAMAGE AND LIABILITY COVERAGE / HPCHO 09 CG1 and HPCHO 09 CG2

1. Extends Section I and II coverages to losses arising from the ownership and operation of a golf cart.

Coverage does not apply when golf cart is:

a. Used to carry persons for a charge;

b. Used for business purposes;

c. Rented to others; or

d. Being used outside the boundaries of a retirement community or limited access community

unless being used for golfing purposes or traveling to or from a golf course.

2. Option 1: For an additional premium of $75, Endorsement HPCHO 09 CG1 includes special limits of

liability as follows:

a. Coverage C - Personal Property: $ 5,000

b. Coverage E - Personal Liability: $ 50,000*

c. Coverage F - Medical Payment to Others: $ 5,000

* Option 1 limits are available for risks with a $100,000 Coverage E limit.



3. Option 2: For an additional premium of $100, Endorsement HPCHO 09 CG2 includes special limits

of liability as follows:

a. Coverage C - Personal Property: $ 5,000

b. Coverage E - Personal Liability: $ 100,000/300,000/100,000*

c. Coverage F - Medical Payment to Others: $ 5,000

* Option 2 limits are available only for risks which carry increased Coverage E limits.

4. The limits of liability shown above replace the limits of liability shown on the declarations page for

any and all covered losses resulting from the operation of your golf cart.

U. DOG LIABILITY COVERAGE / HPCHO 09 DL

1. Extends Section II coverage to losses arising from dogs you own or keep subject to the limits,

exclusions and conditions listed in your policy.

2. The following breeds are not eligible for dog liability coverage and this endorsement does not cover

losses caused by the following breeds: Akita, American Bulldog, Beauceron, Caucasian Mountain

Dog, Chow, Doberman-Pincher, German Shepherd, Great Dane, Keeshond, Pit Bull, Presa Canario,

Rottweiler, Staffordshire Terrier or any mix of these breeds.

3. Dogs weighing more than 20 pounds must be individually listed including age county rabies tag

number and a photo taken within the past 3 months.

4. Dogs with a bite history are not eligible for coverage.

5. For an additional premium of $25, Endorsement HPCHO 09 DL – Dog Liability includes special limits

of liability as follows:

a. Coverage E – Personal Liability: $50,000

b. The limits of liability shown above replace the limits of liability shown on the declaration page

for any and all covered losses resulting from dogs.

V. WATER BACK UP AND SUMP OVERFLOW / HPCHO 09 WBU

1. The policy may be endorsed to provide coverage for loss resulting from water which backs up

through sewers or drains or which overflows from the sump. The limit of liability under this option

is $5,000. The policy deductible or $1,000, whichever is greater, applies. This endorsement is only

available at inception or upon renewal.

2. Additional premium: $25

3. Note: This endorsement is not available on risks where the Water Damage Exclusion applies.

4. Use Endorsement HPCHO 09 WBU – Water Back Up and Sump Overflow.

W. ADDITIONAL INSURED RESIDENCE PREMISES / HO 04 41

1. This endorsement extends the definition of “insured” to include those named with respect to

Coverages A – Dwelling, B – Other Structures, E – Personal Liability (premises only) and F – Medical

Payments to Others (premises only). Additional Insureds will be notified of any policy cancellations

or non-renewals.

2. Trusts may be added as additional insured when either the trust grantor or beneficiary is the

named insured and resides in the home.

3. Use Endorsement HO 04 41 – Additional Insured – Residence Premises.



X. ADDITIONAL INTERESTS RESIDENCE PREMISES / HO 04 10

1. Additional interests are added for informational purposes only and will be notified of any policy

cancellations or non-renewals, but do not have any coverage under the policy.

2. Use Endorsement HO 04 10 – Additional Interests – Residence Premises.

Y. IDENTITY THEFT EXPENSE AND RESOLUTION SERVICES COVERAGE / HPCHO 09 IDT

1. The policy may be endorsed, for an additional premium, to provide coverage for loss that results

from the act of Identity Theft or Identity Fraud. The endorsement provides coverage for:

a. Identity Theft Expenses: Pays up to $25,000 for expenses incurred by an insured as the direct

result of identity theft.

b. Resolution: Access to resolution services from a consumer fraud specialist to assist in the

process to restore identity.

2. By endorsement, coverage is extended to the policyholder, spouse, domestic partner, children

living at home (up to age 21 or full time student up to age 26), and grandparents living at the

insured premises.

3. Additional Premium: $25

4. Use Endorsement HPCHO 09 IDT – Identity Theft Expense and Resolution Services Coverage.

Z. PLATINUM PREFERRED (REPAIR PROGRAM – COMPANY OPTION) / HPCHO PPS

1. The policy may be endorsed at the option of the policyholder. If selected, the endorsement will

allow the Company the option to select an appropriately licensed or qualified contractor to repair

damaged property as provided by the policy, if the Company so elects.

2. If the endorsement is added, the policyholder’s deductible obligation at loss settlement in the

event of a covered property loss other than a hurricane loss or sinkhole loss will be reduced by ten

percent (10%) of the All Other Perils deductible. The credit does not reduce the applicable

deductible under the policy. The credit will apply only when the amount of a covered loss exceeds

the applicable deductible.

3. The Company may pay the amount of the deductible credit directly to the selected contractor on

behalf of the policyholder. The policyholder remains responsible for the balance of the deductible.

If the Company does not select the contractor for a covered loss to which the credit applies, the

Company will pay the amount of the credit (i) to the contractor if the covered property is repaired

under the terms of the policy, or otherwise (ii) to the insured (and mortgage company, if

applicable).

4. Upon prior written notice to the Company, the endorsement maybe removed from the policy as of

the next succeeding policy renewal date.

AA. EQUIPMENT BREAKDOWN COVERAGE

1. HPCHO EB (HPCIC Preferred HO3)

The Equipment Breakdown Enhancement Endorsement provides the inclusion of equipment

breakdown as a covered peril under Form HPCHO EB. The limit of coverage is $100,000 per occurrence.

This limit is separate from and does not reduce any other coverage contained within the Section I –

Property Coverages. This endorsement has a separate deductible of $500. The premium for this

endorsement is $50 annually. This is optional coverage at the applicant / insureds request.

2. HPCHO 80 (Sunshine State Assumption Only)

The Equipment Breakdown Enhancement Endorsement provides the inclusion of equipment

breakdown as a covered peril under Form HPCHO 80. The limit of coverage is $50,000 per occurrence.



This limit is separate from and does not reduce any other coverage contained within the Section I –

Property Coverages. This endorsement has a separate deductible of $500. The premium for this

endorsement is $50 annually.

BB. SERVICE LINE ENHANCEMENT ENDORSEMENT / HPCHO SLE

The Service Line Enhancement Endorsement provides coverage for piping or wiring that provides

services to the residence premises for wear and tear, rust, corrosion, decay, deterioration, collapse,

electrical and mechanical pressure systems breakdown, or freeze. The Service Line Coverage per

occurrence limit is $10,000 with a per occurrence deductible of $500. The premium for this

endorsement is $22 annually. This is optional coverage at the applicant / insureds request.

CC. PILLAR ENHANCED COVERAGE ENDORSEMENTS

For an additional charge the Preferred Homeowners Pillar or Pillar Plus Endorsement may be added to

an HO3 policy at the request of the applicant/insured.

1. Preferred Homeowners Pillar Endorsement - HPCHO PE1

a. Coverages included in this endorsement are:

(1) Personal Property (Coverage C) Replacement Cost Coverage;

(2) Refrigerated Products – loss due to power failure – $500 per occurrence;

(3) Lock Replacement when keys are lost or stolen – $500 per occurrence;

(4) Water Backup and Sump Overflow – $5,000 per occurrence ($1,000 deductible);

(5) Coverage D Loss of Use extended;

(6) Property Damage to Property of Others increased from $500 to $1,000;

(7) Identity Theft Expense and Resolution Services Coverage;

(8) Service Line Coverage;

(9) Additional coverage amounts:

Money increased from $ 200 to $ 300

Securities increased from $ 1,000 to $ 1,500

Jewelry, Watches & Furs increased from $ 1,000 to $ 2,500

Silverware, Goldware & Pewterware increased from $ 2,500 to $ 3,500

Business Property On Premises increased from $ 2,500 to $ 3,500

Business Property Off Premises increased from $ 250 to $ 500

Electronic Apparatus in a Motor Vehicle increased from $ 1,000 to $ 2,500

Personal Computers and Peripherals increased from $ 2,500 to $ 5,000

Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 2,500

Loss Assessment increased from $ 1,000 to $ 5,000

b. To develop the premium for this option, multiply the Base Premium by a factor of 0.15.

c. Use Endorsement HPCHO PE1 – Preferred Homeowners Pillar Endorsement.

2. Preferred Homeowners Pillar Plus Endorsement - HPCHO PE2

a. Coverages included in this endorsement are:

(1) Personal Property (Coverage C) Replacement Cost Coverage;

(2) Increased Coverage C to 75% of Coverage A;

(3) Refrigerated Products – loss due to power failure – $500 per occurrence;



(4) Lock Replacement when keys are lost or stolen – $500 per occurrence;

(5) Water Backup and Sump Overflow – $5,000 per occurrence ($1,000 deductible);

(6) Coverage D Loss of Use extended;

(7) Personal Injury Liability – coverage limit equal to Coverage E;

(8) Property Damage to Property of Others increased from $500 to $1,000;

(9) Identity Theft Expense and Resolution Services Coverage;

(10) Service Line Coverage;

(11) Additional coverage amounts:

Money increased from $ 200 to $ 500

Securities increased from $ 1,000 to $ 2,000

Jewelry, Watches & Furs increased from $ 1,000 to $ 5,000

Silverware, Goldware & Pewterware increased from $ 2,500 to $ 5,000

Business Property On Premises increased from $ 2,500 to $ 10,000

Business Property Off Premises increased from $ 250 to $ 1,000

Electronic Apparatus in a Motor Vehicle increased from $ 1,000 to $ 5,000

Personal Computers and Peripherals increased from $ 2,500 to $ 10,000

Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000

Loss Assessment increased from $ 1,000 to $ 10,000

b. To develop the premium for this option, multiply the Base Premium by a factor of 0.20.

c. Use Endorsement HPCHO PE2 – Preferred Homeowners Pillar Plus Endorsement.

DD. MINI-FARM ENDORSEMENT

1. For an additional charge the Preferred Homeowners Mini-Farm Endorsement may be added to an

HO3 policy when incidental farming operations are conducted on the residence premises. Any

prohibitions against “working farm” and “livestock and saddle animal” exposures referenced

elsewhere in this manual are suspended when this coverage is added to the policy.

2. Eligible Exposures:

a. 20 acres or less;

b. No more than a total of six head of cattle, horses, hogs, pigs, sheep, or other livestock;

c. No more than a total of fifteen chickens, roosters, or other poultry animals;

d. Annual gross receipts from incidental farming operations not exceeding $5,000;

e. No additional premises farmed by the insured.

3. Ineligible Exposures:

a. Any farm with either full or part-time farm employees;

b. Aquaculture farms;

c. Exotic animals;

d. Boarding of horses;

e. Dude ranches, resorts, and camps;

f. Horse training;

g. Horseback riding for a fee;



h. Hunting for a fee, fishing for a fee, hunting clubs, fishing clubs, hunting or fishing guide services,

or outfitting services;

i. Nursery operations;

j. Commercial feed lots, stockyards, or sale barns;

k. Commercial grain elevators or storage facilities;

l. Poultry farms (including egg production, hatcheries, and fryer production);

m. Tobacco production;

n. “U pick” or “pick your own” operations;

o. Farms located in a Protection Class 10 community;

p. Farms owned by the insured and rented to others.

4. Underwriting Requirements:

a. Pictures of all buildings being insured must be included with the application.

b. Replacement cost estimators must be completed for all buildings of $50,000 value or more.

c. The Company’s Preferred Homeowners Mini-Farm Endorsement Application (HPCHO MFA 01 14)

must be completed.

d. All dwellings must have smoke detectors in good working order located close to the kitchen and

all sleeping areas.

e. No three wheel All-Terrain Vehicles (ATVs) are allowed.

f. Four wheel off-road ATVs used only for servicing and maintenance of the residence premises are

allowed, for an additional premium, when the Preferred Homeowners Mini-Farm Endorsement

is added to the policy. All other usage is prohibited. Up to two four wheel off-road ATVs are

allowed per policy.

g. No dwelling units or tenants allowed in barns or outbuildings not specifically designed as living

quarters.

h. A contract for regularly scheduled garbage pickup must exist – on site trash disposal and trash

burning are not allowed.

i. Adequate clear space for firebreaks must be maintained around the property perimeter.

j. All fencing must be properly maintained; wire fencing must have a minimum of four strands.

k. Other Farm Buildings and Structures – see Section V. – COVERAGE OPTIONS – Rule E – Coverage

B – Other Structures – and rate accordingly. Use form HO 04 48 – Other Structures.

5. Coverages contained in this endorsement are:

a. Livestock:

(1) $500 per head – mules, donkeys, swine, sheep, and goats.

(2) $1,000 per head – horses and cattle under one year of age.

(3) $2,000 per head – all other cattle.

(4) $50 per bird – all poultry (exotic birds such as ostriches and emus are not allowed).

b. Farm Property Coverages (automatically included):

(1) Unscheduled Farm Personal Property – $5,000.

(2) Miscellaneous Unscheduled Agricultural Machinery - $10,000 per article/$20,000 aggregate.

(3) Grain – $1,000.

(4) Hay in Barns – $1,000.



(5) Hay in Stacks – $1,000.

(6) Farm Operations Records – $2,500.

(7) Glass in Mobile Farm Equipment.

(8) Borrowed Farm Machinery – up to $5,000 per loss.

(9) Outdoor Radio/TV Antennas & Satellite Dishes - attached to covered dwelling - $500 per loss.

(10) Improvements and Betterments.

(11) Fences – $2,000 (field or pasture fences not covered).

(12) Private Power & Light Poles – $500.

c. Four wheel off-road All-Terrain Vehicles (up to two per residence premises) used for servicing

and maintenance of the residence premises - physical damage and liability - must be scheduled

on the policy. Coverage only applies at the insured location listed on the policy declarations

page. Other restrictions apply - see the Preferred Homeowners Mini-Farm Endorsement for

details.

d. Newly Acquired Farm Equipment, Machinery & Vehicles – $5,000 for 30 days.

e. Incidental Farming Personal Liability and Medical Payments to Others (must equal limits on

policy).

f. $25,000 Farm Animal Liability Coverage.

g. Livestock Collision – $400 per animal (included in Liability section).

h. Chemical Drift Liability – $1,000 aggregate per year (included in Liability section).

6. Premium:

Section I – Farm Property:

Livestock $1.50 per $100

Four Wheel Off-Road ATVs $2.75 per $100

Farm Property Coverages:

(automatically included) $295.00 per policy

Section II – Personal Liability & Medical Payments to Others:

Coverage E $100,000

Coverage F $1,000 $2,500 $5,000

Premium $45 $50 $57

Coverage E $200,000

Coverage F $1,000 $2,500 $5,000

Premium $53 $57 $65

Coverage E $300,000

Coverage F $1,000 $2,500 $5,000

Premium $60 $65 $72.00

Coverage E $500,000

Coverage F $1,000 $2,500 $5,000

Premium $75 $80 $87

Four Wheel Off-Road All-Terrain Vehicles

(premium per ATV – up to two allowed per policy)

$100,000 -

$150

$200,000 -

$200

$300,000 -

$250

$500,000 -

$350

7. Use Endorsement HPCHO MFE – Preferred Homeowners Mini-Farm Endorsement.


4/1/2014 Voluntary HO3 Program PO-1

VI. PAYMENT OPTIONS

A. FULL PAY: 100% of the total policy premium is due by the effective date or the issue date of the policy,

whichever is earlier. (Mortgage companies are eligible for full pay only.)

B. SEMI-ANNUAL PAYMENT PLAN: 60% down plus $3 installment fee and a $10 one time service fee due

by the effective date of the policy or the date of issuance, whichever is earlier. 40% plus $3 installment

fee due on the 180th day.

C. QUARTERLY PAYMENT PLAN: 40% down plus $3 installment fee and a $10 one time service fee due by

the effective date of the policy or the date of issuance, whichever is earlier. 20% plus $3 installment

fee due on the 90th, 180th and the 270th day.

D. 11 PAYMENT PLAN: 11 equal monthly installments automatically deducted from insured’s bank

account. A $10 one time service fee is due by the effective date of the policy or the date of issuance,

whichever is earlier. A $2 service charge is applicable to all installments including the downpayment.

E. CREDIT CARDS

Credit card payments are accepted for insured full pay or payment plan options.

F. ADDITIONAL FEES

1. Emergency Management Preparedness and Assistance Trust Fund Surcharge

A fully earned annual surcharge of $2.00 will be imposed on every homeowners policy.

2. MGA Fee

A fully earned MGA fee of $25.00 is to be charged on each policy subject to section 626.7451(11),

Florida Statutes.

3. State Mandated Fees and Surcharges

Upon approval by the Florida Office of Insurance Regulation, various fees may be charged in

accordance with Florida State mandated requirements.

G. NSF CHECKS

There is a $15 service charge in NSF checks.

H. All fees and assessments are non-commissionable.

I. The MGA fee and EMPATF fee are collected at down payment on all installment payment plans.


4/1/2015 Voluntary HO3 Program BR-1

VII. TERRITORY BASE RATES

County Description

Territory

Code

Base Rate HO-3

NHR HURR

Alachua 524F01 556 380

Baker 525F01 1,002 380

Bay Coastal 124F03 735 1,352

Bay Coastal 124F04 735 1,562

Bay Coastal 124F05 735 1,761

Bay Coastal 124F06 735 1,951

Bay Coastal 124F09 735 2,969

Bay Inland 454F01 739 795

Bay Inland 454F02 739 1,082

Bay Inland 454F03 739 1,306

Bradford 525F01 1,002 380

Brevard Coastal – South 143F08 735 2,729







Brevard Coastal – North 144F06 692 1,858

Brevard Coastal – North 144F07 692 2,203

Brevard Inland – South 440F06 611 1,854

Brevard Inland – South 440F07 611 2,203

Brevard Inland – North 441F05 913 1,525

Brevard Inland – North 441F06 913 1,854

Broward Remainder of County 350F11 1,018 4,043



Broward Coastal 360F13 1,095 4,805








Broward Inland – West Broward 370F11 1,028 3,833



Calhoun 527F01 1,091 508

Calhoun 527F02 1,091 655

Calhoun 527F06 1,091 725

Charlotte Coastal 132F07 613 2,220







County Description

Territory

Code

Base Rate HO-3

NHR HURR

Charlotte Inland 462F06 706 1,880

Charlotte Inland 462F07 706 2,203

Citrus Coastal 128F03 945 1,090




Citrus Inland 458F02 764 736

Citrus Inland 458F03 764 926

Citrus Inland 458F04 764 1,216

Clay 523F01 558 380

Clay 523F02 558 622

Collier Coastal 134F10 642 3,388






Collier Inland 464F08 697 2,575

Collier Inland 464F12 697 3,979

Columbia 525F01 1,002 380

Dade Coastal 310F13 1,402 6,083

Dade Coastal 310F14 1,402 6,420

Dade Coastal 310F15 1,402 6,760

Dade Coastal 310F16 1,402 7,104

Dade Coastal 310F17 1,402 7,453

Dade Coastal 310F18 1,402 7,822

Dade Coastal 310F19 1,402 8,547

Dade Coastal 310F20 1,402 9,321

Dade Coastal 310F21 1,402 10,146

Dade Coastal 310F22 1,402 11,029

Dade Coastal 310F23 1,402 11,972

Dade Coastal 310F24 1,402 12,982

Dade Coastal 310F25 1,402 14,064

Dade Remainder of County 320F12 1,413 5,180




Dade Inland – West Dade 340F11 1,541 5,176




DeSoto 465F05 678 1,525

DeSoto 465F06 678 1,854

Dixie Coastal 127F01 886 1,317






County Description

Territory

Code

Base Rate HO-3

NHR HURR

Dixie Inland 457F01 603 644

Dixie Inland 457F02 603 655

Duval Remainder 390F01 658 454

Duval Remainder 390F02 658 655

Duval Inland – West Duval 391F01 628 380

Duval Coastal 410F03 603 937

Escambia Coastal 120F05 1,186 2,333






Escambia Inland 430F01 868 981

Escambia Inland 430F02 868 1,336



Flagler Coastal 146F01 492 911

Flagler Coastal 146F02 492 1,129




Flagler Inland 450F01 501 408



Franklin 125F03 786 2,435

Franklin 125F05 786 2,435

Franklin 125F06 786 2,435

Gadsden 526F01 787 380

Gilchrist 527F01 1,091 508

Gilchrist 527F02 1,091 655

Gilchrist 527F06 1,091 725

Glades 150F07 782 2,203

Glades 150F08 782 2,575

Gulf Coastal 125F03 786 2,435



Gulf Inland 455F01 744 1,036

Hamilton 525F01 1,002 380

Hardee 465F05 678 1,525

Hardee 465F06 678 1,854

Hendry 150F07 782 2,203

Hendry 150F08 782 2,575

Hernando Coastal 128F03 945 1,090




Hernando Inland 458F02 764 736



County Description

Territory

Code

Base Rate HO-3

NHR NHR

Hernando Inland 458F03 764 926

Hernando Inland 458F04 764 1,216

Highlands 466F05 700 1,525

Highlands 466F06 700 1,753

Highlands 466F07 700 1,919

Hillsborough Tampa/Hillsborough Metro 470F04 995 1,216





Hillsborough Tampa Suburban 471F04 950 1,216



Hillsborough Southwest Hillsborough 472F07 985 2,203





Hillsborough East 473F04 717 1,216

Hillsborough East 473F05 717 1,525

Holmes 526F01 787 380

Indian River Inland 142F08 714 2,701



Indian River Coastal 182F11 705 3,833





Jackson 526F01 787 380

Jefferson Coastal 126F01 710 675

Jefferson Inland 525F01 1,002 380

Lafayette 527F01 1,091 508

Lafayette 527F02 1,091 655

Lafayette 527F06 1,091 725

Lake 521F02 403 655

Lake 521F03 403 926

Lake 521F04 403 1,136

Lake 521F05 403 1,280

Lee Coastal 133F08 700 2,575

Lee Coastal 133F09 700 2,905

Lee Coastal 133F10 700 3,110

Lee Coastal 133F12 700 3,518

Lee Coastal 133F13 700 3,723

Lee Coastal 133F14 700 3,929

Lee Coastal 133F15 700 4,137

Lee Coastal 133F16 700 4,347



County Description

Territory

Code

Base Rate HO-3

NHR NHR

Lee Inland 463F07 774 2,203

Lee Inland 463F08 774 2,575

Leon 528F01 794 380

Levy Coastal 127F01 886 1,317




Levy Inland 457F01 603 644

Levy Inland 457F02 603 655

Liberty 527F01 1,091 508

Liberty 527F02 1,091 655

Liberty 527F06 1,091 725

Madison 525F01 1,002 380

Manatee Coastal 130F07 640 2,203







Manatee Inland 460F06 617 1,854

Manatee Inland 460F07 617 2,203

Marion 522F01 621 440

Marion 522F02 621 655

Marion 522F03 621 926

Martin Inland 100F10 694 3,388

Martin Inland 100F11 694 3,833

Martin Coastal 180F13 787 4,993





Monroe Remainder of County 50F19 618 8,547




Monroe Key West 70F19 689 8,547

Nassau Coastal 147F01 571 641

Nassau Coastal 147F02 571 874

Nassau Inland 529F01 585 380

Okaloosa Coastal 122F05 796 2,156





Okaloosa Inland 452F01 1,218 795

Okaloosa Inland 452F02 1,218 1,084



County Description

Territory

Code

Base Rate HO-3

NHR HURR

Okeechobee 150F07 782 2,203

Okeechobee 150F08 782 2,575

Orange Orlando 490F04 613 938

Orange Remainder of County 520F03 615 926

Orange Remainder of County 520F04 615 1,136

Orange Remainder of County 520F05 615 1,280

Osceola 510F04 737 1,212

Osceola 510F05 737 1,366

Osceola 510F06 737 1,514

Palm Beach Coastal 361F13 855 4,981









Palm Beach Remainder 380F11 802 4,295



Palm Beach Inland – W. Palm Beach City 381F09 902 3,620



Pasco Coastal 129F06 864 1,854




Pasco Inland 459F04 918 1,216



Pinellas Coastal 420F12 826 4,304




Pinellas Exterior zip codes 480F05 847 1,777







Pinellas Inland 481F05 855 1,778



Polk 500F04 1,152 1,128

Polk 500F05 1,152 1,271



County Description

Territory

Code

Base Rate HO-3

NHR HURR

Polk 500F06 1,152 1,408

Putnam 523F01 558 380

Putnam 523F02 558 622

Santa Rosa Coastal 121F03 831 1,502




Santa Rosa Inland 451F02 1,104 1,118

Santa Rosa Inland 451F03 1,104 1,350

Sarasota Coastal 131F06 639 2,155








Sarasota Inland 461F06 639 1,854

Sarasota Inland 461F07 639 2,173

Seminole 511F03 725 926

Seminole 511F04 725 1,116

St. Johns Coastal 146F01 492 911

St. Johns Coastal 146F02 492 1,129




St. Johns Inland 450F01 501 408



St. Lucie Inland 141F10 757 3,388

St. Lucie Coastal 181F10 754 3,388







Sumter 521F02 403 655

Sumter 521F03 403 926

Sumter 521F04 403 1,136

Sumter 521F05 403 1,280

Suwannee 525F01 1,002 380

Taylor Coastal 126F01 710 675

Taylor Inland 456F01 590 662

Union 525F01 1,002 380

Volusia Coastal 145F05 799 2,265




County Description

Territory

Code

Base Rate HO-3

NHR HURR


Volusia Inland 442F02 650 890

Volusia Inland 442F03 650 1,075



Wakulla Coastal 125F03 786 2,435



Wakulla Inland 456F01 590 662

Walton Coastal 123F01 740 884

Walton Coastal 123F03 740 1,453



Walton Inland 453F02 613 839

Washington 527F01 1,091 508




4/1/2014 Voluntary HO3 Program TDZ-1

VIII. TERRITORY DEFINITIONS BY ZIP CODE

Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr #

32003 523F01 32118 145F09 32222 391F01 32356 456F01 32507 120F09

32008 525F01 32119 442F05 32223 390F01 32358 456F01 32508 120F10

32009 529F01 32124 442F02 32224 390F01 32359 127F01

32011 529F01 32127 442F05 32225 390F01

32024 525F01 32128 442F03 32226 390F02 32401 124F05

32025 525F01 32129 442F04 32227 410F03 32403 124F04 32514 120F05

32033 450F01 32130 442F02 32233 410F03 32404 454F03 32526 430F04

32034 147F02 32131 523F02 32234 391F01 32405 124F04 32531 452F02

32038 525F01 32132 442F05 32244 391F01 32407 124F06 32533 430F03

32040 525F01 32134 522F01 32246 390F01 32408 124F09 32534 430F04

32043 523F01 32136 146F06 32250 410F03 32409 454F02 32535 430F01

32044 525F01 32137 146F03 32254 391F01 32413 124F06 32536 452F02

32046 529F01 32139 523F02 32256 390F01 32420 526F01 32539 452F02

32052 525F01 32140 523F01 32257 390F01 32421 527F01 32541 122F10

32053 525F01 32141 442F05 32258 390F01 32423 526F01 32542 122F05

32054 525F01 32145 450F01 32259 450F01 32424 527F01 32544 122F09

32055 525F01 32148 523F01 32266 410F03 32425 526F01 32547 122F06

32058 525F01 32159 521F03 32277 390F01 32426 526F01 32548 122F09

32059 525F01 32162 521F03 32301 528F01 32427 526F01 32550 123F10

32060 525F01 32163 521F03 32303 528F01 32428 527F01 32561 121F12

32061 525F01 32164 146F02 32304 528F01 32430 527F01 32563 121F10

32062 525F01 32168 442F04 32305 528F01 32431 526F01 32564 452F02

32063 525F01 32169 145F09 32433 453F02 32565 451F02

32064 525F01 32174 442F03 32308 528F01 32435 123F01 32566 121F07

32065 523F01 32176 145F07 32309 528F01 32437 527F06 32567 452F01

32066 527F01 32177 523F01 32310 528F01 32438 454F01 32568 430F01

32068 523F01 32179 522F02 32311 528F01 32439 123F03 32569 122F09

32071 525F01 32180 442F02 32312 528F01 32440 526F01 32570 451F02

32073 523F01 32181 523F02 32317 528F01 32442 526F01 32571 451F03

32080 146F05 32187 523F01 32320 125F06 32443 526F01 32577 430F02

32081 146F01 32189 523F01 32321 527F01 32444 124F03 32578 122F05

32082 146F03 32190 442F02 32322 125F03 32445 526F01 32579 122F08

32193 523F01 32324 526F01

32083 525F01 32195 522F03 32327 456F01 32446 526F01 32580 122F05

32084 146F03 32202 390F01 32328 125F05 32448 526F01 32583 121F03

32086 146F03 32204 390F02 32331 525F01 32449 527F01 32601 524F01

32087 525F01 32205 391F01 32332 526F01 32455 526F01 32603 524F01

32091 525F01 32206 390F01 32333 526F01 32456 125F06 32605 524F01

32092 450F01 32207 390F01 32334 527F01 32459 123F06 32606 524F01

32094 525F01 32208 390F01 32336 525F01 32460 526F01 32607 524F01

32095 146F02 32209 390F01 32337 525F01 32462 527F02 32608 524F01

32096 525F01 32210 391F01 32340 525F01 32464 526F01 32609 524F01

32097 147F01 32211 390F01 32343 526F01 32465 455F01

32099 391F01 32212 390F01 32344 525F01 32466 527F02 32615 524F01

32102 521F02 32216 390F01 32346 125F03 32501 120F08 32617 522F02

32110 450F02 32217 390F01 32347 456F01 32502 120F10 32618 524F01

32112 523F02 32218 390F01 32348 126F01 32503 120F07 32619 527F01

32113 522F01 32219 391F01 32350 525F01 32504 120F07 32621 457F02

32114 442F05 32220 391F01 32351 526F01 32505 120F06 32622 525F01

32117 442F05 32221 391F01 32352 526F01 32506 120F06 32625 127F05



TERRITORY DEFINITIONS BY ZIP CODE - continued


32626 457F02 32773 511F04 32920 143F12 33035 310F15 33150 310F18

32628 457F01 32776 521F03 32922 144F07 33036 50F23 33154 310F23

32631 524F01 32778 521F05 32925 143F10 33037 50F21 33155 310F14

32640 524F01 32779 511F03 32926 440F06 33040 70F19 33156 310F18

32641 524F01 32780 441F06 32927 441F05 33042 50F19 33157 310F17

32643 524F01 32784 521F03 32931 143F14 33043 50F19 33158 310F20

32648 127F02 32789 490F04 32934 144F07 33050 50F21 33160 310F23

32653 524F01 32792 511F03 32935 143F10 33054 320F13 33161 310F18

32656 523F01 32796 441F05 32937 143F12 33055 340F12 33162 310F17

32666 524F01 32798 520F04 32940 143F08 33056 320F13 33165 320F13

32667 524F01 32801 490F04 32948 142F08 33060 360F18 33166 320F13

32668 457F02 32803 490F04 32949 143F12 33062 360F21 33167 310F14

32669 524F01 32804 490F04 32950 143F11 33063 350F11 33168 310F15

32680 457F01 32805 490F04 32951 143F16 33064 360F17 33169 320F14

32686 522F02 32806 490F04 32952 143F10 33065 370F12 33170 310F15

32693 527F01 32807 520F04 32953 144F07 33066 350F11 33172 320F13

32694 524F01 32808 490F04 32955 144F07 33067 350F11 33173 310F13

32696 457F02 32809 520F04 32958 182F12 33068 350F11 33174 320F13

32701 511F03 32810 520F04 32960 182F14 33069 360F13 33175 320F12

32702 521F03 32811 490F04 32962 182F13 33070 50F24 33176 310F14

32703 520F04 32812 490F04 32963 182F17 33071 370F11 33177 310F14

32707 511F03 32814 490F04 32966 142F09 33073 350F11 33178 320F13

32708 511F03 32817 520F03 32967 182F11 33076 350F12 33179 310F16

32709 520F03 32818 520F04 32968 142F10 33109 310F24 33180 310F22

32712 520F03 32819 520F04 32976 143F12 33122 320F14 33181 310F21

32713 442F03 32820 520F04 33004 360F20 33125 310F17 33182 320F13

32714 511F03 32821 520F04 33009 360F20 33126 310F14 33183 320F13

32720 442F03 32822 520F04 33010 320F13 33127 310F19 33184 340F12

32724 442F03 32824 520F04 33012 340F12 33128 310F20 33185 320F13

32725 442F03 32825 520F03 33013 320F12 33129 310F22 33186 320F13

32726 521F04 32826 520F03 33014 320F13 33130 310F22 33187 320F14

32730 511F03 32827 520F05 33015 340F12 33131 310F21 33189 310F18

32732 511F04 32828 520F04 33016 340F11 33132 310F19 33190 310F18

32735 521F04 32829 520F04 33018 340F14 33133 310F21 33193 320F13

32736 521F03 32831 520F04 33019 360F23 33134 310F16 33194 340F13

32738 442F03 32832 520F05 33020 360F19 33135 310F19 33196 320F13

32744 442F02 32833 520F04 33021 360F13 33136 310F19 33301 360F19

32746 511F03 32834 520F04 33023 360F13 33137 310F22 33304 360F20

32750 511F03 32835 520F04 33024 350F13 33138 310F21 33305 360F19

32751 511F04 32836 520F04 33025 350F12 33139 310F24 33306 360F21

32754 441F05 32837 520F04 33026 350F12 33140 310F24 33308 360F21

32757 521F04 32839 490F04 33027 370F12 33141 310F23 33309 360F13

32759 145F05 32901 143F10 33028 350F13 33142 310F16 33311 360F14

32763 442F03 32903 143F13 33029 370F13 33143 310F17 33312 360F14

32764 442F03 32904 144F07 33030 310F14 33144 310F14 33313 350F12

32765 511F03 32905 143F10 33031 320F15 33145 310F19 33314 350F13

32766 511F03 32907 144F06 33032 310F16 33146 310F17 33315 360F17

32767 521F02 32908 440F07 33033 310F15 33147 310F15 33316 360F21

32771 511F04 32909 440F07 33034 310F14 33149 310F25 33317 350F12





33319 350F11 33446 380F12 33567 473F04 33709 480F08 33843 500F05

33321 370F12 33449 380F11 33569 471F05 33710 480F09 33844 500F05

33322 370F11 33455 180F15 33570 472F08 33711 420F12 33849 500F04

33323 370F12 33458 380F13 33572 472F08 33712 420F12 33850 500F05

33324 350F12 33460 361F22 33573 471F06 33713 481F08 33852 466F06

33325 370F13 33461 361F16 33576 459F05 33714 481F08 33853 500F05

33326 370F13 33462 361F18 33578 471F06 33715 420F15 33857 466F07

33327 370F13 33463 380F12 33579 471F06 33716 480F08 33859 500F05

33328 350F12 33467 380F11 33584 473F05 33730 480F08 33860 500F05

33330 370F13 33469 180F19 33585 521F03 33755 480F10 33865 465F05

33331 370F12 33470 381F11 33592 473F04 33756 480F09 33867 500F05

33332 370F13 33471 150F08 33594 473F04 33759 480F07 33868 500F04

33334 360F17 33472 380F11 33596 473F04 33760 480F08 33870 466F06

33351 370F11 33473 380F12 33597 521F03 33761 480F06 33872 466F05

33388 370F12 33476 381F11 33598 471F06 33762 480F09 33873 465F05

33394 360F19 33477 361F19 33602 470F07 33763 480F07 33875 466F05

33401 361F19 33478 381F09 33603 470F06 33764 480F07 33876 466F06

33403 361F18 33480 361F21 33604 470F06 33765 480F08 33880 500F05

33404 361F18 33483 361F21 33605 470F08 33767 420F13 33881 500F05

33405 361F21 33484 361F13 33606 472F09 33770 480F10 33884 500F05

33406 361F15 33486 361F16 33607 470F08 33771 480F07 33890 465F05

33407 361F17 33487 361F19 33609 472F09 33772 480F11 33896 500F04

33408 361F19 33493 381F11 33610 470F06 33773 480F07 33897 500F04

33409 361F15 33496 380F12 33611 472F10 33774 480F11 33898 500F05

33410 361F16 33498 380F12 33612 470F05 33776 480F11 33901 463F08

33411 380F11 33510 473F05 33613 470F04 33777 480F08 33903 463F07

33412 381F11 33511 473F05 33614 470F06 33778 480F09 33904 133F09

33413 380F11 33513 521F03 33615 470F08 33781 480F07 33905 463F08

33414 381F10 33514 521F04 33616 472F11 33782 480F06 33907 463F08

33415 380F12 33523 459F04 33617 470F04 33785 420F14 33908 133F10

33417 380F12 33525 459F05 33618 470F05 33786 420F13 33909 463F08

33418 380F11 33527 473F05 33619 472F07 33801 500F05 33912 463F07

33426 361F17 33534 472F07 33621 472F11 33803 500F05 33913 463F08

33428 380F12 33538 521F03 33624 470F05 33805 500F05 33914 133F09

33430 381F11 33540 459F05 33625 471F05 33809 500F05 33916 463F08

33431 361F18 33541 459F05 33626 471F05 33810 500F05 33917 463F07

33432 361F22 33542 459F05 33629 472F09 33811 500F05 33919 133F08

33433 380F12 33543 459F05 33634 470F07 33812 500F05 33920 463F07

33434 380F12 33544 459F05 33635 470F06 33813 500F05 33922 133F13

33435 361F21 33545 459F06 33637 471F05 33815 500F05 33928 133F09

33436 361F13 33547 473F05 33647 473F04 33823 500F05 33931 133F15

33437 380F11 33548 471F05 33701 420F12 33825 466F05 33935 150F07

33438 381F11 33549 471F04 33702 480F08 33827 500F05 33936 463F08

33556 471F05 33703 480F10 33830 500F05 33946 132F13

33440 150F08 33558 471F05 33704 480F11 33834 500F06 33947 132F10

33441 360F18 33559 471F04 33705 420F13 33837 500F05 33948 132F07

33442 360F13 33563 473F05 33706 420F15 33838 500F05 33950 132F08

33444 361F20 33565 473F04 33707 420F12 33839 500F05 33952 132F07

33445 361F15 33566 473F05 33708 420F13 33841 500F05 33953 132F07




Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr #

33954 462F06 34217 130F15 34465 458F03 34715 521F05

33955 132F08 34219 460F06 34470 522F02 34731 521F04

33956 133F14 34221 130F08 34471 522F02 34734 520F04

33957 133F16 34222 460F07 34472 522F02 34736 521F04

33960 466F06 34223 131F12 34473 522F03 34737 521F05

33966 463F07 34224 131F09 34474 522F02 34739 510F06

33967 463F08 34228 130F15 34475 522F02 34741 510F05

33971 463F08 34229 131F12 34476 522F02 34743 510F05

33972 463F08 34231 131F11 34479 522F02 34744 510F05

33973 463F08 34232 131F06 34480 522F03 34746 510F05

33974 463F08 34233 131F07 34481 522F03 34747 510F04

33976 463F08 34234 131F09 34482 522F02 34748 521F04

33980 132F08 34235 131F06 34484 521F03 34753 521F05

33981 132F08 34236 131F12 34488 522F01 34756 521F05

33982 462F07 34237 131F09 34491 522F03 34758 510F04

33983 462F07 34238 131F08 34498 127F04 34759 500F04

33990 463F08 34239 131F10 34601 458F03 34761 520F04

33991 133F08 34240 461F07 34602 458F04 34762 521F04

33993 133F09 34241 461F07 34604 458F04 34769 510F05

34102 134F16 34242 131F14 34606 128F05 34771 510F05

34103 134F15 34243 130F07 34607 128F06 34772 510F05

34104 134F10 34251 460F06 34608 128F04 34773 510F05

34105 134F11 34266 465F06 34609 458F04 34785 521F03

34108 134F14 34269 465F06 34610 459F05 34786 520F04

34109 134F10 34275 131F09 34613 458F04 34787 520F05

34110 134F11 34285 131F11 34614 128F04 34788 521F04

34112 134F11 34286 461F06 34637 459F05 34797 521F04

34113 134F11 34287 461F06 34638 459F05 34945 141F10

34114 134F10 34288 461F06 34639 459F04 34946 181F14

34116 464F08 34289 461F06 34652 129F08 34947 181F12

34117 464F08 34291 461F06 34653 129F06 34949 181F18

34119 464F08 34292 131F07 34654 459F04 34950 181F16

34120 464F08 34293 131F09 34655 459F05 34951 181F11

34134 133F12 34420 522F03 34667 129F07 34952 181F13

34135 133F09 34428 458F03 34668 129F07 34953 181F10

34141 464F12 34429 128F03 34669 459F05 34956 100F10

34142 464F08 34431 522F02 34677 481F06 34957 180F18

34145 134F17 34432 522F02 34683 480F08 34972 150F07

34201 460F06 34433 458F02 34684 481F06 34974 150F08

34202 460F06 34434 458F02 34685 481F05 34981 181F11

34203 130F07 34436 458F03 34688 480F05 34982 181F14

34205 130F09 34442 458F03 34689 480F09 34983 181F10

34207 130F09 34446 458F03 34690 129F07 34984 181F10

34208 460F07 34448 128F03 34691 129F09 34986 181F10

34209 130F10 34449 127F02 34695 480F07 34987 141F10

34210 130F11 34450 458F03 34698 480F08 34990 100F11

34211 460F06 34452 458F03 34705 521F04 34994 180F14

34212 460F06 34453 458F03 34711 521F05 34996 180F19

34215 130F14 34461 458F03 34714 521F04 34997 180F13


5/15/2015 Voluntary HO3 Program PCW-1

IX. RATE CALCULATION WORKSHEET – HO-3

______ Non-Hurricane Base Rate (NHR)

X______ Amount of Insurance Factor

X______ Protection Class Factor

X______ Age of Dwelling Factor

X______ Building Code Effectiveness Grade Factor

X______ Product of applicable NHR Premium Factors

X______ Wind Premium Credits applies to 5% of non-hurricane premium

X_____ Deductible Factor

X______ Coverage B limit Factor

X______ Coverage C limit Factor

X______ Windstorm and Hail Exclusion Factor

X______ Water Damage Exclusion Factor

=______ Adjusted Non-Hurricane Base Premium

Additional Coverages

+______ Sinkhole Coverage (NHR X Amt of Ins Factor X Sinkhole Coverage Factor X Sinkhole Ded Factor)

+______ Ordinance or Law Coverage ___% (factor ___ X NHR X Amt of Ins Factor X PC Factor X Age Factor)

+______ Increased Replacement Cost on Dwelling (.05 X NHR X Amt of Ins Factor X PC Factor X Age Factor)

+______ Replacement Cost on Contents (.15 X NHR X Amt of Ins Factor X PC Factor X Age Factor)

+______ Special Personal Property Coverage (.10 X NHR X Amt of Ins Factor X PC Factor X Age Factor)

+______ Coverage C Increased Special Limits of Liability

+______ Personal Property-Scheduled

+______ Increased Loss Assessment Coverage ($5,000 = $15; $10,000 = $25)

+______ Fungi (Mold) Coverage

+______ Home Computer Coverage ($6 per $1,000 coverage)

+______ Specific Other Structures Coverage ($1.33/$1,000)

+______ Increased Section II Limits

+______ Personal Injury Coverage ($15)

+______ Golf Cart Physical Damage and Liability (Option 1=$75, Option 2=$100)

+______ Water Back Up and Sump Overflow ($25)

+______ Dog Liability ($25)

+______ Limited Water Damage Endorsement

+______ Identity Theft

+______ Equipment Breakdown Coverage ($50)

+______ Service Line Enhancement Coverage ($22)

+______ Preferred Homeowners Pillar Endorsement (.15 X Base Premium)

+______ Preferred Homeowners Pillar Plus Endorsement (.20 X Base Premium)

+______ Mini-Farm Endorsement

=______ Non- Hurricane Premium


5/15/2015 Voluntary HO3 Program PCW-2

RATE CALCULATION WORKSHEET - HO-3 (cont.)

______ Hurricane Base Rate (HUR)

X______ Amount of Insurance Factor

X______ Construction Factor (Masonry = 0.80, Superior = 0.75)

X______ Age of Dwelling Factor

X______ Building Code Effectiveness Grade Factor

X______ Product of Applicable HUR Premium Factors

X______ Deductible Factor

X______ Coverage B Limit Factor

X______ Coverage C Limit Factor

=______ Adjusted Hurricane Base Premium

Additional Coverages

+______ Ordinance or Law Coverage ___% (____X HUR X Amt of Ins Factor X Constr Factor X YB Factor)

+______ Increased Replacement Cost on Dwelling (.05 X HUR X AOI Factor X Constr Factor X YB Factor)

+______ Replacement Cost on Contents (.15 X HUR X AOI Factor X Construction Factor X YB Factor)

+______ Screened Enclosures & Carports Coverage (___ X 0.32 X HUR X Min of 4.0 and Amt of Ins Fac)

+______ Special Personal Property Coverage (.10 X HUR X AOI Factor X Construction Factor X YB Factor)

+______ Coverage B – Other Structures ($2.67/$1,000)

+______ Preferred Homeowners Pillar Endorsement (.15 X Base Premium)

+______ Preferred Homeowners Pillar Plus Endorsement (.20 X Base Premium)

+______ Mini-Farm Endorsement

=______ Hurricane Premium

+______ FIGA Assessment ((Non-Hur Premium + Hur Premium + MGA Fee) x FIGA Assessment Surcharge)

+ $ 2 Emergency Management Preparedness and Assistance Trust Fund

+ $ 25 Managing General Agent Fee

=______ TOTAL PREMIUM


4/1/2014 Voluntary HO3 Program APX A

X. APPENDIX A – Windstorm Loss Mitigation Credits For Existing Construction

TERRAIN B – 2% DEDUCTIBLE TERRAIN C – 2% DEDUCTIBLE

FRAME, MASONRY, OR REINFORCED MASONRY

ROOF SHAPE ROOF SHAPE

OTHER HIP OTHER HIP

ROOF COVER

ROOF DECK ATTACHMENT

ROOF-WALL CONNECTION

OPENING PROTECTION

NO SWR SWR

NO SWR SWR

NO SWR SWR

NO SWR SWR

None 0.00 0.06 0.47 0.50 0.00 0.07 0.28 0.32

TOE NAILS Basic – Windows or All 0.35 0.42 0.62 0.65 0.29 0.38 0.56 0.62

Hurricane – Windows or All 0.44 0.51 0.66 0.70 0.39 0.48 0.64 0.72

None 0.35 0.42 0.62 0.66 0.18 0.26 0.44 0.51

CLIPS Basic – Windows or All 0.47 0.54 0.68 0.73 0.38 0.48 0.64 0.72

A Hurricane – Windows or All 0.50 0.57 0.70 0.74 0.44 0.54 0.68 0.76

(6d@ 6” / 12”) None 0.35 0.43 0.62 0.67 0.20 0.28 0.45 0.51

SINGLE WRAPS Basic – Windows or All 0.47 0.56 0.68 0.73 0.39 0.49 0.64 0.72


None 0.35 0.43 0.62 0.66 0.21 0.28 0.45 0.51

DOUBLE WRAPS Basic – Windows or All 0.47 0.55 0.68 0.73 0.39 0.49 0.64 0.72


None 0.09 0.14 0.49 0.52 0.09 0.14 0.29 0.33



None 0.58 0.65 0.68 0.73 0.38 0.44 0.57 0.65

NON – FBC B CLIPS Basic – Windows or All 0.65 0.70 0.73 0.76 0.63 0.71 0.73 0.79

EQUIVALENT (8d@ 6” / 12”) Hurricane – Windows or All 0.66 0.72 0.73 0.77 0.69 0.78 0.76 0.83

None 0.60 0.68 0.68 0.73 0.48 0.58 0.60 0.71



None 0.60 0.68 0.68 0.73 0.51 0.63 0.61 0.72



None 0.09 0.14 0.49 0.51 0.09 0.14 0.29 0.33

C TOE NAILS Basic – Windows or All 0.46 0.51 0.63 0.66 0.45 0.51 0.59 0.64

(8d@ 6” / 6”) Hurricane – Windows or All 0.57 0.61 0.68 0.71 0.56 0.61 0.69 0.74

None 0.59 0.65 0.68 0.73 0.39 0.45 0.57 0.65

AND CLIPS Basic – Windows or All 0.65 0.70 0.73 0.76 0.64 0.71 0.73 0.79


D None 0.62 0.69 0.68 0.73 0.49 0.60 0.61 0.73

(8d@ 6” / 6”) SINGLE WRAPS Basic – Windows or All 0.68 0.73 0.73 0.77 0.69 0.78 0.75 0.82

DIMENSIONAL Hurricane – Windows or All 0.68 0.74 0.73 0.77 0.73 0.81 0.76 0.83

LUMBER None 0.62 0.70 0.68 0.73 0.55 0.71 0.61 0.74

DECK DOUBLE WRAPS Basic – Windows or All 0.68 0.74 0.73 0.77 0.72 0.81 0.76 0.83


None 0.11 0.14 0.55 0.56 0.07 0.10 0.33 0.36



None 0.49 0.50 0.72 0.73 0.28 0.30 0.53 0.54

CLIPS Basic – Windows or All 0.60 0.62 0.78 0.78 0.50 0.53 0.73 0.76

A Hurricane – Windows or All 0.63 0.65 0.79 0.80 0.56 0.58 0.78 0.80

(6d@ 6” / 12”) None 0.49 0.50 0.72 0.73 0.30 0.32 0.53 0.55



None 0.49 0.51 0.72 0.73 0.30 0.33 0.53 0.55



None 0.18 0.20 0.57 0.57 0.15 0.18 0.35 0.37



None 0.70 0.71 0.78 0.79 0.46 0.48 0.66 0.68

FBC B CLIPS Basic – Windows or All 0.75 0.76 0.81 0.82 0.71 0.74 0.81 0.83

EQUIVALENT (8d@ 6” / 12”) Hurricane – Windows or All 0.77 0.78 0.82 0.83 0.78 0.81 0.84 0.86

None 0.73 0.74 0.78 0.79 0.58 0.61 0.71 0.74



None 0.73 0.75 0.78 0.79 0.63 0.67 0.72 0.76



None 0.18 0.20 0.57 0.57 0.15 0.18 0.35 0.37

C TOE NAILS Basic – Windows or All 0.56 0.57 0.71 0.72 0.51 0.54 0.66 0.67

(8d@ 6” / 6”) Hurricane – Windows or All 0.66 0.68 0.76 0.77 0.63 0.65 0.76 0.78

None 0.70 0.72 0.78 0.79 0.46 0.48 0.66 0.69

AND CLIPS Basic – Windows or All 0.76 0.77 0.81 0.82 0.73 0.74 0.81 0.83


D None 0.74 0.76 0.78 0.79 0.60 0.63 0.72 0.76

(8d@ 6” / 6”) SINGLE WRAPS Basic – Windows or All 0.78 0.80 0.82 0.83 0.78 0.81 0.83 0.86

DIMENSIONAL Hurricane – Windows or All 0.79 0.80 0.82 0.83 0.82 0.84 0.84 0.86

LUMBER None 0.74 0.76 0.78 0.79 0.68 0.74 0.73 0.78

DECK DOUBLE WRAPS Basic – Windows or All 0.79 0.81 0.82 0.83. 0.81 0.84 0.84 0.86


None 0.82 0.80

REINFORCED CONCRETE ROOF DECK Basic – Windows or All 0.84 0.88

Hurricane – Windows or All 0.84 0.88


4/1/2014 Voluntary HO3 Program APX B

APPENDIX B – Windstorm Loss Mitigation Credits For Existing Construction

B. 1. Single Family Homes

FBC = FLORIDA BUILDING CODE HVHZ = HIGH VELOCITY HURRICANE ZONE (Miami-Dade and Broward counties, FBC sections 202 AND 1611ff) WBDR = WIND BORNE DEBRIS REGION SWR = SECONDARY WATER RESISTANCE REINFORCED CONCRETE ROOF DECK includes SWR; Integral with Reinforced Masonry Walls PART. ENCL = PARTIALLY ENCLOSED

FRAME, MASONRY, OR REINFORCED MASONRY

FBC 2001 CONSTRUCTION OTHER ROOF SHAPE HIP ROOF SHAPE

FBC WIND

OPENING OPENING

NO OPENING PROTECTION NO OPENING PROTECTION

ROOF TERRAIN WIND

SPEED SPEED OF

DESIGN

INTERNAL

PRESSURE PROTECTION

WINDOWS

OR ALL PROTECTION

WINDOWS

OR ALL

DECK EXPOSURE (MPH) (MPH) DESIGN WBDR NO SWR SWR NO SWR SWR NO SWR SWR NO SWR SWR

OTHER B 100 >100 ENCLOSED NO 0.68 0.69 0.74 0.74 0.78 0.79 0.81 0.81

ROOF DECK B 110 >110 ENCLOSED NO 0.72 0.73 0.78 0.78 0.79 0.79 0.82 0.83

OR B >120 >120 ENCLOSED NO 0.74 0.75 0.79 0.79 0.78 0.78 0.82 0.82

DIMENSIONAL B OR C >120 >120 ENCLOSED /

PART. ENCL YES 0.77 0.80 0.82 0.84 0.81 0.83 0.85 0.86

LUMBER DECK HVHZ ENCLOSED YES 0.82 0.84 0.85 0.86

REINFORCED B ANY ENCLOSED NO 0.81 0.85

CONCRETE B ANY ENCLOSED /

PART. ENCL YES 0.82 0.85

ROOF C ANY ENCLOSED /

PART. ENCL YES 0.81 0.89

DECK HVHZ ENCLOSED YES 0.89


6/27/2014 Voluntary HO3 Program APX C

APPENDIX C – Sunshine State Transition Rule

Premium Determination

All policies renewed from the Sunshine State Insurance Company program will receive the lesser of the

premium calculation of the filed and approved Sunshine State Insurance Company and the Heritage

Property and Casualty Insurance Company for a period of one policy term.

heritage property & casualty insurance company...heritage property & casualty insurance...

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