HERITAGE PROPERTY & CASUALTY INSURANCE COMPANY

Transcription

1 HERITAGE PROPERTY & CASUALTY INSURANCE COMPANY Underwriting Guidelines and Rating Manual 12/1/2012 Voluntary HO3 Program

2 I. ELIGIBILITY/UNDERWRITING TABLE OF CONTENTS A. Ineligible Risks...UW-1 B. Occupancy/Use...UW-1 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-1 D. Total Renovations...PC-2 E. Protection Class/Construction...PC-2 F. Building Code Effectiveness Grading...PC-2 G. Premium Factors / Non-Hurricane Base Rate...PC-3 H. Premium Factors / Hurricane Base Rate...PC-4 9/1/2012 Voluntary HO3 Program TOC-1

3 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-3 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-5 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-7 V. Water Back Up and Sump Overflow...CO-8 W. Additional Insured...CO-8 X. Additional Interest...CO-8 Y. Identity Theft or Identity Fraud Expense and Monitoring...CO-8 VI. PAYMENT OPTIONS A. Full Pay...PO-1 B. Semi-Annual Payment Plan...PO-1 C. Quarterly Payment Plan...PO-1 D. Credit Cards...PO-1 E. Additional Fees...PO-1 F. NSF Checks...PO-1 VII. TERRITORY BASE RATES...BR-1 to 3 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 9/1/2012 Voluntary HO3 Program TOC-2

4 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 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. 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, 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. B. OCCUPANCY/USE 1. The residence must be occupied by the owner or by owner s immediate family only (no roomers or boarders). Immediate family is defined as named insured s parents or children. a. Primary occupied on a primary basis. b. Secondary/Seasonal occupied on an intermittent basis. 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. 9/1/2012 Voluntary HO3 Program UW-1

5 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 or excluding water damage coverage. 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 acceptable for coverage, however, bodily injury and property damage liability will be excluded for injuries or damage resulting from their use: 1. Trampolines; 2. Skateboard Ramps; 3. Bicycle Ramps; 4. Swimming pool slides; and 5. Swimming pool diving boards. 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. 9/1/2012 Voluntary HO3 Program UW-2

6 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. B. PRIOR INSURANCE Risks with a lapse in coverage of more than 30 days require Underwriting approval prior to binding. 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 C - Contents D - Loss of Use 2% to 70% of Coverage A Up to 75% of Coverage A 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. 9/1/2012 Voluntary HO3 Program BA-1

7 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 prorata 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 /1/2012 Voluntary HO3 Program GR-1

8 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 noncombustible 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 25% of total exterior wall area; otherwise classify as Masonry. 5. Hardiplank Siding Frame homes with Hardiplank Siding shall be classified as Frame but will be given a 5% discount. I. MANDATORY ENDORSEMENTS 1. HO Homeowners 3 Special Form. 2. HPCHO3 09 SP Special Provisions for Florida / HO HPCHO 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, HO 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. 12/1/2012 Voluntary HO3 Program GR-2

9 10. HO Calendar Year Hurricane Deductible (%) with Supplemental Reporting Requirement-FL or HO 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 B Notice of Premium Discounts for Hurricane Loss Mitigation. 14. OIR B 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. 12/1/2012 Voluntary HO3 Program GR-3

10 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 $75, The factor for Coverage amounts greater than $75,000 for HO-3 is determined by dividing the desired coverage amount by $75,000. For example: The factor for $125,000 (HO-3) equals 125/75 or C. AGE OF DWELLING Non-Hurricane Hurricane Age Factor Age Factor Year Built Factor Newer* * * * & & /1/2013 Voluntary HO3 Program PC-1

11 Age is determined by subtracting the year in which construction of the residence was completed from the year in which the policy is effective. *All condominiums built in 2002 or later receive the minimum 68% Windstorm Loss Mitigation Credit on the hurricane premium. New homes built to wind speed designs of 110 mph plus receive a higher discounts. 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): Apply to Hurricane Base Rate (HUR): Frame Masonry Superior Construction Frame Masonry Superior F. BUILDING CODE EFFECTIVENESS GRADING Factor 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. 1/1/2013 Voluntary HO3 Program PC-2

12 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 or Ungraded Non-Participating G. PREMIUM FACTORS - NON HURRICANE BASE RATE Factor HUR NHR Product of applicable premium factors in this section is applied to the Non Hurricane Base Rate (NHR). 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 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 Factor Note: Burglar alarm credits are not available when coverage C limit is less than 40% of Coverage A. Use Endorsement HO Premise Alarm or Fire Protection System. 3. Miscellaneous Credit/Debits Senior/retiree discount..90 Any named insured has reached the age of 55. 1/1/2013 Voluntary HO3 Program PC-3

13 Hardiplank Siding discount..95 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 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 nonhurricane 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: * (1-Wind Premium Credit) Example: If the WPC in the table is.60, the factor is *(1-.60) = 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 Design Credit is not applicable when the roof has a gable end that exceeds 50% of a major wall length. Hip Roof must be verified by photographic documentation. 1/1/2013 Voluntary HO3 Program PC-4

14 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 Calendar Year Hurricane Deductible (%) with Supplemental Reporting Requirement-FL or HO 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) Amount $500 1,000 2,500 5,000 Factor For losses due to Hurricane (apply to HUR) Deductible $500 2% Cov. A 5% Cov. A 10% Cov. A $75, , $100, , >$200, 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 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: Use Endorsement HO 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 1/1/2013 Voluntary HO3 Program CO-1

15 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: 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, 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 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% % % % 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 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 HUR Factor NHR 0% % % % Factors for amounts between 50% and 25% or 75% are proportional. 1/1/2013 Voluntary HO3 Program CO-2

16 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: Coverage E - Liability Coverage F - Medical Payments Limit Additional Premium Limit Additional Premium $200,000 $20 $2,500 $6 $300,000 $30 $5,000 $10 $500,000 $50 3. Additional premium for increased limits in all other counties not listed above: Coverage E - Liability Coverage F - Medical Payments Limit Additional Premium Limit Additional Premium $200,000 $10 $2,500 $6 $300,000 $15 $5,000 $10 $500,000 $30 H. PERSONAL INJURY COVERAGE / HO 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 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 (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) 3. Additional premium: 25% Limit: (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 Year Built (YB*) factor) 4. Additional premium: 50% Limit: (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) 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. 1/1/2013 Voluntary HO3 Program CO-3

17 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. 2. Additional premium: (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 Provides for settlement of losses for contents coverage {Coverage C) on a replacement cost Basis. 2. Additional premium: (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 Personal Property Replacement Cost Coverage. L. SPECIAL PERSONAL PROPERTY COVERAGE / HO Modifies loss settlement from named to open perils for contents. 2. Additional premium: (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 Special Personal Property Coverage. M. COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY / HO 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 Coverage C Increased Special Limits of Liability. 4. Endorsement HO Coverage C Increased Special Limits of Liability will be attached if policy included Endorsement HO Special Personal Property Coverage. 1/1/2013 Voluntary HO3 Program CO-4

18 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 $ 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 Provides increased coverage for assessments relating to the residence premises. The basic policy includes $1,000 coverage. 2. Additional premium: Limit Premium $ 5,000 $15 10, Use Endorsement HO Loss Assessment Coverage. 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. 2. Additional premium: Optional Increased Limit $25,000 Each covered loss/ $50,000 Policy Aggregate $50,000 Each covered loss/ $50,000 Policy Aggregate Premium $60 $90 12/1/2012 Voluntary HO3 Program CO-5

19 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, 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, Additional premium: $6 for each $1, 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 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. 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. 12/1/2012 Voluntary HO3 Program CO-6

20 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 % % % % % % % % % % % % % % % % % % % Other 2.00% % % % % % % % % % % % % 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. 9/1/2012 Voluntary HO3 Program CO-7

21 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 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 Additional Insured Residence Premises. X. ADDITIONAL INTERESTS RESIDENCE PREMISES / HO 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 Additional Interests Residence Premises. Y. IDENTITY THEFT OR IDENTITY FRAUD EXPENSE AND MONITORING / 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. Monitoring and Support: Identity monitoring services such as internet scanning, public and private record monitoring, postal junk mail reduction service, security freeze assistance, and fraud alert. c. Restoration: Includes an assigned restoration specialist to provide research and assistance, in the event of an identity theft, to review credit reports, notify reporting agencies, and prepare and manage disputed fraudulent items. 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. 9/1/2012 Voluntary HO3 Program CO-8

22 3. Additional Premium: $25 4. Use Endorsement HPCHO 09 IDT Identity Theft or Identity Fraud Expense and Monitoring. 9/1/2012 Voluntary HO3 Program CO-9

23 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 180 th 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 90 th, 180 th and the 270 th day. D. CREDIT CARDS Credit card payments are accepted for insured full pay or payment plan options. E. 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 (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. F. NSF CHECKS There is a $15 service charge in NSF checks. 9/2012 Voluntary HO3 Program PO-1

24 VII. TERRITORY BASE RATES Territory Base Rate HO-3 County Description Code NHR HURR Alachua Baker Bay Coastal Bay Inland Bradford Brevard Coastal South ,818 Brevard Coastal North ,070 Brevard Inland South Brevard Inland North Broward Remainder of County ,071 Broward Coastal ,663 Broward Inland West Broward ,619 Calhoun Charlotte Coastal ,112 Charlotte Inland Citrus Coastal Citrus Inland Clay Collier Coastal ,884 Collier Inland Columbia Dade Coastal ,362 Dade Remainder of County ,539 Dade Inland West Dade ,591 DeSoto Dixie Coastal Dixie Inland Duval Remainder Duval Inland West Duval Duval Coastal Escambia Coastal ,515 Escambia Inland Flagler Coastal Flagler Inland Franklin ,126 Gadsden Gilchrist Glades ,154 Gulf Coastal ,126 Gulf Inland Hamilton Hardee Hendry ,154 Hernando Coastal Hernando Inland /1/2012 Voluntary HO3 Program BR-1

25 Territory Base Rate HO-3 County Description Code NHR HURR Highlands Hillsborough Tampa/Hillsborough Metro Hillsborough Tampa Suburban Hillsborough Southwest Hillsborough ,162 Hillsborough East Holmes Indian River Inland ,440 Indian River Coastal ,699 Jackson Jefferson Coastal Jefferson Inland Lafayette Lake Lee Coastal ,251 Lee Inland Leon Levy Coastal Levy Inland Liberty Madison Manatee Coastal ,205 Manatee Inland Marion Martin Inland ,534 Martin Coastal ,154 Monroe Remainder of County ,502 Monroe Key West ,497 Nassau Coastal Nassau Inland Okaloosa Coastal ,543 Okaloosa Inland Okeechobee ,154 Orange Orlando Orange Remainder of County Osceola Palm Beach Coastal ,262 Palm Beach Remainder ,084 Palm Beach Inland W. Palm Beach City ,811 Pasco Coastal Pasco Inland Pinellas Coastal ,931 Pinellas Exterior zip codes ,240 Pinellas Inland ,110 Polk Putnam /1/2012 Voluntary HO3 Program BR-2

26 Territory Base Rate HO-3 County Description Code NHR HURR Santa Rosa Coastal ,222 Santa Rosa Inland Sarasota Coastal ,578 Sarasota Inland Seminole St. Johns Coastal St. Johns Inland St. Lucie Inland ,454 St. Lucie Coastal ,606 Sumter Suwannee Taylor Coastal Taylor Inland Union Volusia Coastal ,280 Volusia Inland Wakulla Coastal ,126 Wakulla Inland Walton Coastal ,105 Walton Inland Washington /1/2012 Voluntary HO3 Program BR-3

27 VIII. TERRITORY DEFINITIONS BY ZIP CODE Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # /1/2012 Voluntary HO3 Program TDZ-1

28 TERRITORY DEFINITIONS BY ZIP CODE - continued Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # /1/2012 Voluntary HO3 Program TDZ-2

29 TERRITORY DEFINITIONS BY ZIP CODE - continued Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # /1/2012 Voluntary HO3 Program TDZ-3

30 TERRITORY DEFINITIONS BY ZIP CODE - continued Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # /1/2012 Voluntary HO3 Program TDZ-4

31 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 Produce 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 = Non- Hurricane Premium 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 9/1/2012 Voluntary HO3 Program PCW-1

32 RATE CALCULATION WORKSHEET - HO-3 (cont.) 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) = Hurricane Premium + FIGA Assessment ((Non-Hur Premium + Hur Premium) x FIGA Assessment Surcharge) + $ 2 Emergency Management Preparedness and Assistance Trust Fund + $ 25 Managing General Agent Fee = TOTAL PREMIUM 9/1/2012 Voluntary HO3 Program PCW-2

33 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 TOE NAILS Basic Windows or All Hurricane Windows or All None CLIPS Basic Windows or All A Hurricane Windows or All (6d@ 6 / 12 ) None SINGLE WRAPS Basic Windows or All Hurricane Windows or All None DOUBLE WRAPS Basic Windows or All Hurricane Windows or All None TOE NAILS Basic Windows or All Hurricane Windows or All None NON FBC B CLIPS Basic Windows or All EQUIVALENT (8d@ 6 / 12 ) Hurricane Windows or All None SINGLE WRAPS Basic Windows or All Hurricane Windows or All None DOUBLE WRAPS Basic Windows or All Hurricane Windows or All None C TOE NAILS Basic Windows or All (8d@ 6 / 6 ) Hurricane Windows or All None AND CLIPS Basic Windows or All Hurricane Windows or All D None (8d@ 6 / 6 ) SINGLE WRAPS Basic Windows or All DIMENSIONAL Hurricane Windows or All LUMBER None DECK DOUBLE WRAPS Basic Windows or All Hurricane Windows or All None TOE NAILS Basic Windows or All Hurricane Windows or All None CLIPS Basic Windows or All A Hurricane Windows or All (6d@ 6 / 12 ) None SINGLE WRAPS Basic Windows or All Hurricane Windows or All None DOUBLE WRAPS Basic Windows or All Hurricane Windows or All None TOE NAILS Basic Windows or All Hurricane Windows or All None FBC B CLIPS Basic Windows or All EQUIVALENT (8d@ 6 / 12 ) Hurricane Windows or All None SINGLE WRAPS Basic Windows or All Hurricane Windows or All None DOUBLE WRAPS Basic Windows or All Hurricane Windows or All None C TOE NAILS Basic Windows or All (8d@ 6 / 6 ) Hurricane Windows or All None AND CLIPS Basic Windows or All Hurricane Windows or All D None (8d@ 6 / 6 ) SINGLE WRAPS Basic Windows or All DIMENSIONAL Hurricane Windows or All LUMBER None DECK DOUBLE WRAPS Basic Windows or All Hurricane Windows or All None REINFORCED CONCRETE ROOF DECK Basic Windows or All Hurricane Windows or All /1/2012 Voluntary HO3 Program APX A

34 APPENDIX B Windstorm Loss Mitigation Credits For Existing Construction B. 1. Single Family Homes ROOF TERRAIN FRAME, MASONRY, OR REINFORCED MASONRY FBC 2001 CONSTRUCTION OTHER ROOF SHAPE HIP ROOF SHAPE FBC WIND SPEED WIND SPEED OF DESIGN INTERNAL PRESSURE OPENING OPENING NO OPENING PROTECTION NO OPENING PROTECTION 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 ROOF DECK B 110 >110 ENCLOSED NO OR B >120 >120 ENCLOSED NO ENCLOSED / DIMENSIONAL B OR C >120 >120 YES PART. ENCL LUMBER DECK HVHZ ENCLOSED YES REINFORCED B ANY ENCLOSED NO CONCRETE B ANY ENCLOSED / YES PART. ENCL ROOF C ANY ENCLOSED / YES PART. ENCL DECK HVHZ ENCLOSED YES 0.89 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 9/1/2012 Voluntary HO3 Program APX B