Amended Date of New & Revised Material Updates. How To Reach Us

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1 Oregon Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Home Office Agency Services Claims Customer Service (Billing) Marketing Materials Underwriting Policy Services Supplies Web Site Dwelling Fire Product Descriptions DP Basic Form DP Broad Form DP Special Form Liability and Medical Payments Coverages Dwelling Fire Eligibility Target Market Ineligible Risks General Rules Policy Rating Coverage Options Forms and Endorsements Enumclaw Property and Casualty Insurance Company 0513

2 What s New What s New Effective Date May 1, 2013 for New and Renewal Business. Updates Editorial change to remove reference to withdrawn form DP M0094 Enumclaw Property and Casualty Insurance Company 2

3 How to Reach Us How to Reach Us General Contacts Home Office... (800) Agency Services (Help Desk)... Ext Claims... Ext To file a Claim --- Claim Response Center Or online at MutualofEnumclaw.com Customer Service... Ext Billing Questions... Ext or direct (800) To make Payments....Ext or direct (888) Payment Address... P.O. Box 34983, Seattle, WA ECRME@MutualofEnumclaw.com Marketing Materials... Ext TZehnder@MutualofEnumclaw.com Supplies... Ext SupplyRequest@MutualofEnumclaw.com Website MutualofEnumclaw.com Enumclaw Property and Casualty Insurance Company 3

4 Product Descriptions Product Descriptions Covered Perils Comparison Enumclaw Property and Casualty offers affordable coverage for your insureds that own or hold for rent one, two, three or four family dwellings, not exceeding a total of 15 units. Policy Features 1. Basic Form (DP 00 01) a. Coverage A Dwelling The Dwelling is covered on an Actual Cash Value basis for Fire and Extended Coverage perils. The dwelling must be insured for 100% of its Actual Cash Value. For an additional premium, Vandalism and Malicious Mischief may be included with Extended Coverage. b. Coverage B Other Structures Other Structures are covered on the same basis as the dwelling for 10% of the Coverage A amount at no additional charge. This extension is not an additional amount of insurance. Increased limits may be purchased. c. Coverage C Personal Property Personal Property shall be covered on the same basis as the dwelling. d. Coverage D Rental Value Rental Value is covered on the same basis as the dwelling for 20% of the Coverage A amount at no additional charge. This extension is not an additional amount of insurance. Increased limits may be purchased. 2. Broad Form (DP 00 02) a. Coverage A Dwelling The Dwelling is covered on a Replacement Cost basis for Fire, Extended Coverage and other named perils. It must be insured for 100% of its Replacement Cost. Building Ordinance or Law Coverage is mandatory. b. Coverage B Other Structures Other Structures are covered on the same basis as the dwelling up to 10% of the Coverage A amount at no additional charge. This extension is an additional amount of insurance. Increased limits may be purchased. Building Ordinance or Law Coverage is mandatory. c. Coverage C Personal Property Personal Property may be covered for Fire, Extended Coverage and other named perils on an Actual Cash Value basis. d. Coverage D Rental Value/Coverage E Additional Living Expense Rental Value and/or Additional Living Expense is covered on the same basis as the dwelling up to 20% of the Coverage A amount at no additional charge. Occupancy determines the applicable coverage. This extension is an additional amount of insurance. Increased limits of Rental Value or Additional Living Expense may be purchased. 3. Special Form (DP 00 03) a. Coverage A Dwelling The Dwelling is covered on a Replacement Cost basis against most risks of physical loss subject to certain exclusions. It must be insured to 100% of its Replacement Cost. Building Ordinance or Law Coverage is mandatory. b. Coverage B Other Structures Other Structures are automatically covered on the same basis as the dwelling up to 10% of the Coverage A amount at no additional charge. This extension is an additional amount of insurance. Increased limits may be purchased. Building Ordinance or Law Coverage is mandatory. Enumclaw Property and Casualty Insurance Company 4

5 Product Descriptions Product Descriptions c. Coverage C Personal Property Personal Property may be covered for Fire, Extended Coverage and other named perils on an Actual Cash Value basis. d. Coverage D Rental Value/Coverage E Additional Living Expense Rental Value and/or Additional Living Expense is covered on the same basis as the dwelling up to 20% of the Coverage A amount at no additional charge. Occupancy determines the applicable coverage. This extension is an additional amount of insurance. Increased limits of Rental Value or Additional Living Expense may be purchased. 4. Liability and Medical Payment Coverages a. Landlord s Liability The Landlord s Liability policy provides Premises Liability and Premises Medical Payments to Others arising out of the ownership, maintenance or use of a described premises. Defined Personal Injury coverage for described offenses is included. b. Medical Payments Provides coverage for reasonable and necessary medical expenses, for other than an insured, as a result of a covered loss. Enumclaw Property and Casualty Insurance Company 5

6 Eligibility Dwelling Fire Eligibility Target Market The Dwelling Fire product is designed to provide a market for the amateur property owner. The insured will have placed their Homeowner, Mobilehomeowner or Farmowner coverage with Enumclaw Property and Casualty or Enumclaw Property and Casualty and may not own more than 15 total units, with a single location containing not more than 4 units. Accounts eligible to be bound include the following: 1. Risks with no prior losses. 2. Risks with a preferred prior carrier. 3. Risks where the insured resides in the same city or town. 4. Risks built after Risks with Coverage A values between $60,000 and $500, Risks used exclusively for private residential purposes. If farming is being done on the premises, the activity must be incidental to the occupancy of the dwelling. 7. Risks that are not vacant, unoccupied or undergoing renovation. 8. Risks without EIFS siding. Ineligible Risks 1. Mobilehomes written on a DP or DP contract. 2. Dwellings that do not have thermostatically controlled heating systems. 3. Risks with aluminum wiring. 4. Risks with rolled roofing. 5. Tenant occupied dwellings with a woodstove, unless the Coverage A value is a minimum of $75,000. The appliance must be UL or ICBO certified and a completed Woodstove Questionnaire is required. 6. Risks without a continuous concrete foundation. 7. Dwellings built prior to 1950 without a completed PL53 (Electrical System Questionnaire) verifying the wiring has been completely updated. Agents may not bind ineligible risks. Exceptional cases may be referred to your underwriter with an explanation and request for approval. Please note: Photos of both the front and back of the structure are required. Enumclaw Property and Casualty Insurance Company 6

7 General Rules General Rules Application: A fully completed application is required for each new policy. Cancellation of Insurance: If the policy is canceled at the request of the company or the insured, the return premium will be 100 percent of the pro rata unearned premium. Changes: A completed change request is required to amend the policy. Condominium Coverage: A minimum of $1,000 Coverage C is required for the issuance of a policy insuring a condominium. Course of Construction: Buildings may be written at the rate and under the form applicable to the building as if it were completed and occupied. Risks in the course of reconstruction, alteration, repair or improvement shall not be considered in course of construction. DP M1143 applies. Coverage: Property coverage may be written alone, or with Liability and Medical Payments. Liability and Medical Payments may not be written without Property coverage. Coverage Limits: All coverage limits will be rounded to the next highest $1,000. Amounts of insurance indicated on the application or change request for Additional Living Expense or Rental Value will be in addition to any limit included in the contract. Minimum Premiums: A minimum policy premium of $ applies. Policy Period: The Dwelling Fire policy is written for a one year term. Premium Adjustments: Any additional or return premiums of $5 or less will be waived. Premium Rounding: Each rating calculation will be rounded to the nearest whole $1. Pro Rata Rating: All mid-term changes and cancellations will be computed on a pro rata basis. Minimum premiums for coverages being added are not subject to pro rate. Vacant Dwellings: If underwriter approval is given for a vacant dwelling, the applicable coverage form is the Basic Form. Enumclaw Property and Casualty Insurance Company 7

8 Policy Rating Policy Rating Deductible $500 deductible is the base deductible. Protection Class Definition: The Protection Class assigned will be that developed by the Insurance Services Office. Enumclaw Property and Casualty Insurance Company 8

9 Coverage Options Coverage Options Additional Living Expense DP applies if coverage applicable to DP 00 01) Applicable for insured occupied risks. Broad Theft Coverage DP Applicable to owner occupied dwellings and provides on and off-premises coverage for the perils of Theft and Vandalism and Malicious Mischief resulting from theft. Building Items Condo Unit-Owners Coverage DP Provides coverage for alterations and items of real property which pertain exclusively to the insureds unit. Deductible Options Options: $100*, $250* $500, $1000, $2500, $5000 and $ *The $100 and $250 options are not available for new business. Dwelling Coverage - Contingent Limit DP M0047 When attached to a specific dwelling that is insured on a DP or DP contract, to 100% of Replacement Cost and not more than 30 years old, this endorsement will provide the smallest of: % of the limit applicable to the damaged or destroyed building. 2. The amount actually and necessarily spent in repairing or replacing the dwelling or any part thereof. Improvements, Alterations and Additions DP Applicable to DP or DP Named perils coverage is automatically provided in the forms for up to 10% of the Coverage C limit. Landlord s Liability & Premises Medical Payments To Others Landlord s Liability and Premises Medical Payments to Others coverage may be added as a supplemental to Dwelling Fire coverage. Premises Medical Payments to Others coverage is required. Options of $300,000; $500,000 and $1,000,000 are available for Landlord s Liability. Options of $1,000; $2,000 and $5,000 are available for Premises Medical Payments to Others coverage. Limited Coverage Other Structure DP M0007 Qualified buildings may be insured for named perils under this endorsement. Limited Fungi, Wet or Dry Rot, or Bacteria Coverage DP M0422 Applies a limit of coverage for losses caused by fungi. Limited Theft Coverage DP Applicable to owner or tenant occupied dwellings and provides on-premises coverage for the perils of Theft and Vandalism and Malicious Mischief resulting from theft. Loss Assessment Property Coverage DP When a Dwelling Fire policy is extended to cover a condominium unit, Loss Assessment coverage is available. Ordinance or Law Coverage Increased Amount of Coverage DP Coverage forms DP and DP provide 10% of Coverage A or Coverage B. This is a mandatory endorsement for Broad Form and Special Form Dwelling Fire policies to insure the Dwelling and Other Structures against loss resulting from ordinances or laws that regulate construction, repair or demolition of the building. The total coverage limit will be 100%. Rental Value Insurance Applicable for tenant occupied risks. Special Coverage - DP Coverage on an All Risk Special Form basis is available for Unit-Owners. Enumclaw Property and Casualty Insurance Company 9

10 Forms and Endorsements DESCRIPTION Form # Dwelling Property 1 - Basic Form DP Dwelling Property 2 - Broad Form DP Dwelling Property 3 - Special Form DP Additional Insured DP M0002 Additional Living Expense Insurance Form DP Broad Theft Coverage DP Change Endorsement DP M0199 Contract of Sale Clause 137 Dwelling Under Construction Dwelling Coverage - Contingent Limit DP M1143 DP M0047 Dwelling Fire Application ACORD 84 Improvements, Alterations and Additions DP Landlord's Liability Limited Coverage Other Structures Limited Fungi, Wet or Dry Rot, or Bacteria Coverage LL002 DP M0007 DP M0422 Limited Theft Coverage DP Loss Assessment Property Coverage DP Ordinance or Law Coverage Increased Amount of Coverage DP Special Coverage DP Special Provisions - Oregon Provides state specific provisions. DP Unit-Owners Coverage DP Water Exclusion Broad Form DP Water Exclusion Basic and Special Form DP Enumclaw Property and Casualty Insurance Company 10