heritage property & casualty insurance company select homeowners … · 2014-05-21 · heritage...

Heritage Property &Casualty Insurance

CompanySelect Homeowners

Policy Program Manual

Heritage Property & Casualty Insurance CompanySelect Homeowners HO-RM-i

10/2013

RULES AND RATES

TABLE OF CONTENTS

RATING & DEFINITIONS ................................................................................................. 1

101. LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS ........................................................................1

102. DESCRIPTION OF COVERAGES ...............................................................................................................1

104. ELIGIBILITY .............................................................................................................................................2

107. CONSTRUCTION DEFINITIONS...............................................................................................................2

109. SINGLE BUILDING DEFINITION ..............................................................................................................3

301. TOTAL POLICY PREMIUM CALCULATION ..............................................................................................3

303. BASE RATES............................................................................................................................................5

304. WINDSTORM OR HAIL EXCLUSION .......................................................................................................5

305. TERRITORY RELATIVITIES.......................................................................................................................5

306. COVERAGE A LIMIT OF LIABILITY - FORM HPC HO-3............................................................................5

309. OTHER STRUCTURES (COVERAGE B) COVERAGE OPTIONS - FORM HPC HO-3 ...................................5

401. PERSONAL PROPERTY (COVERAGE C) COVERAGE OPTIONS................................................................6

402. PERSONAL PROPERTY (COVERAGE C) REPLACEMENT COST COVERAGE.............................................7

403. PERSONAL LIABILITY (COVERAGE E) COVERAGE OPTIONS ..................................................................7

407. ORDINANCE OR LAW COVERAGE OPTIONS - FORM HPC HO-3 ...........................................................7

409. INDIVIDUAL RISK CHARACTERISTICS, DISCOUNTS AND SURCHARGES ...............................................8

501. DEDUCTIBLES .......................................................................................................................................10

601. WINDSTORM MITIGATION FEATURES ................................................................................................12

602. BUILDING CODE COMPLIANCE (BCEGS)..............................................................................................24

BUILDING CODE COMPLIANCE FACTORS – HPC HO-3 ................................................................................26

BUILDING CODE COMPLIANCE FACTORS – HPC HO-6 ................................................................................26

701. SINKHOLE LOSS COVERAGE - FORM HPC HO-3 ..................................................................................27

801. LIMITED FUNGI, WET OR DRY ROT, YEAST OR BACTERIA COVERAGE OPTIONS...............................28

802. PERMITTED INCIDENTAL OCCUPANCIES - RESIDENCE PREMISES ......................................................29

810. LOSS ASSESSMENT COVERAGE - RESIDENCE PREMISES ....................................................................30

820. COVERAGE A DWELLING - SPECIAL COVERAGE - FORM HPC HO-6 ...................................................30

830. COVERAGE A LIMIT OF LIABILITY (ADDITIONS & ALTERATIONS) ......................................................31

840. UNITS REGULARLY RENTED TO OTHERS - FORM HPC HO-6...............................................................31

850. IDENTITY THEFT EXPENSE AND RESOLUTION SERVICES COVERAGE .................................................32

860. PLATINUM PREFERRED (REPAIR PROGRAM - COMPANY OPTION)...................................................32

Heritage Property & Casualty Insurance CompanySelect Homeowners HO-RM-ii

10/2013

870. SCREEN ENCLOSURE ............................................................................................................................32

900. CAPPING RULE .....................................................................................................................................33

901. MANDATORY ADDITIONAL CHARGES.................................................................................................33

905. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / TERRITORY RELATIVITIES.................................34

TERRITORY RELATIVITIES.............................................................................................................................35

COVERAGE A RATE FACTORS ......................................................................................................................36

915. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / COVERAGE B & C RATE FACTORS ....................38

920. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / PROTECTION CLASS & CONSTRUCTION TYPERATE FACTORS .............................................................................................................................................38

925. HPC HO-3 HOMEOWNERS RATES / TOWNHOUSE OR ROW-HOUSE FACTORS .................................40

930. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / AGE OF HOME – YEAR BUILT RATE FACTORS .41

935. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / SEASONAL PROPERTY RATE FACTORS ............42

940. HPC HO-6 HOMEOWNERS RATES & RELATIVITIES / TERRITORY RELATIVITIES.................................43

TERRITORY RELATIVITY ...............................................................................................................................43

COVERAGE C LIMITS RATE FACTORS...........................................................................................................45

950. HPC HO-6 HOMEOWNERS RATES & RELATIVITIES / PROTECTION CLASS & CONSTRUCTION TYPERATE FACTORS .............................................................................................................................................46

955. HPC HO-6 HOMEOWNERS RATES & RELATIVITIES / SEASONAL PROPERTY RATE FACTORS ............46

960. MULTI PERIL RESIDENTIAL RATING TERRITORIES AND DEFINITIONS................................................47

UNDERWRITING GUIDELINES & GENERAL RULES ..........................................................50

Rule 201. GENERAL INFORMATION ............................................................................................................50

Rule 202. ELIGIBILITY ...................................................................................................................................50

Rule 203. EXTENT OF COVERAGE AND AUTOMATIC INCREASE IN LIMITS ................................................50

Rule 204. APPLICATIONS .............................................................................................................................50

Rule 205. ENDORSEMENT AND REINSTATEMENT SUBMISSION PROCEDURES ........................................51

Rule 206. ADDITIONAL UNDERWRITING REQUIREMENTS.........................................................................51

Rule 207. UNINSURABLE PROPERTIES ........................................................................................................52

Rule 208. INSPECTIONS ...............................................................................................................................56

Rule 209. STANDARD POLICY COVERAGE...................................................................................................56

Rule 210. CANCELLATIONS AND NONRENEWALS ......................................................................................57

Rule 211. COMMISSIONS ............................................................................................................................57

Rule 212. POLICY PERIOD, MINIMUM PREMIUM AND WAIVER OF PREMIUM ........................................57

Rule 213. SECONDARY RESIDENCE PREMISES ............................................................................................57

Rule 214. METHOD OF PAYMENT ...............................................................................................................57

Rule 215. ROUNDING OF PREMIUM ...........................................................................................................58

Heritage Property & Casualty Insurance CompanySelect Homeowners HO-RM-iii

10/2013

Rule 216. POLICY CHANGES.........................................................................................................................58

Rule 217. TRANSFER OR ASSIGNMENT .......................................................................................................58

Rule 218. RESTRICTION OF INDIVIDUAL POLICIES......................................................................................58

Rule 219. MANUAL PREMIUM REVISION .....................................................................................................58

Rule 220. MANDATORY ENDORSEMENTS ..................................................................................................58

HPC HO-3 – HOMEOWNERS PREMIUM CALCULATION WORKSHEET........................................................60

HPC HO-6 – HOMEOWNERS PREMIUM CALCULATION WORKSHEET........................................................61

Heritage Property & Casualty Insurance CompanySelect Homeowners HO-RM-1

09/2012

RATING & DEFINITIONS

The Homeowners Policy Program provides property and liability coverages using the forms andendorsements referred to in this manual.

The rates, rules, forms and endorsements of Heritage Property & Casualty Insurance Company (Heritageor the Company) shall apply to all cases provided for in this Manual. This Manual contains the rules andclassifications governing the writing of the Homeowners Policy.

101. LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS

The limits of liability provided under the Homeowners policy are as follows:

A. Coverage Limits

Coverages HPC HO-3 HPC HO-6

A - Dwelling Refer to tables below Refer to tables below

B - Other Structures 10% of A N/A

C - Personal Property 50% of A Refer to tables below

D - Loss of Use 10% of A 20% of C

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

F- Medical Payments To Others $2,000 $2,000

B. Minimum Coverage A and C Limits

Coverage A Coverage C

Form Type Minimum Limit Minimum Limit

HPC HO-3 $25,000 25% of Coverage A **

HPC HO-6 $1,000 (included in base rates) $6,000

** Minimum limit not applicable if Coverage C is excluded.

C. Maximum Coverage LimitsCoverage A Coverage C

Form Type Maximum Limit Maximum Limit

HPC HO-3 $1,000,000 50% of Coverage A

HPC HO-6 $200,000 $200,000

D. Form HPC HO-3 – Under Coverage B, coverage may be reduced to 5%, 2%, or 0% of Coverage A. Anadditional amount of insurance may be written on specific structures in an amount not to exceed70% of Coverage A.

102. DESCRIPTION OF COVERAGES

A. Section I Coverages - Property Damage

The following is a general description of the coverages provided by the individual HomeownersPolicy forms. The policy shall be consulted for exact contract conditions.

HPC HO-3 HPC HO-6

Fire or Lightning Yes Yes

Windstorm or hail, explosion, riot or civil commotion, aircraft, vehiclesor smoke

Yes - Cov. C Yes

Vandalism or malicious mischief Yes - Cov. C Yes

Theft Yes - Cov. C Yes

Volcanic eruption Yes - Cov. C Yes

Falling objects, weight of ice, snow or sleet accidental discharge of wateror steam, sudden and accidental tearing apart of heating system orappliance, freezing, sudden accidental damage from electrical current

Yes - Cov. C Yes

Additional risks with certain exceptions (Special Coverage)Yes

Cov. A, B & DOptional for

Cov. A

Catastrophic Ground Cover Collapse Yes Yes

Sinkhole Optional Yes


09/2012

B. Section II Coverage - Liability - All Forms

Coverage E - Personal LiabilityCoverage F - Medical Payments to Others

1. Personal Liability - Covers payment on behalf of any insured for all sums which the insured willbecome legally obligated to pay as damages because of bodily injury or property damage arisingout of an insured’s premises or personal activities.

2. Medical Payments to Others - Covers medical expenses incurred by persons, other than theinsured, who sustain bodily injury caused by an accident arising out of an insured’s premises orpersonal activities.

104. ELIGIBILITY

Note: No Homeowners policy form may be issued in the name of a corporation, partnership orassociation. Limited coverage may be provided under the Dwelling Program.

A. FORM HPC HO-3 – A Homeowners Policy may be issued:

1. To the owner-occupant of a dwelling which is used exclusively for private residential purposesand contains not more than 2 families and with not more than 2 boarders or roomers per family;or

2. To the purchaser-occupant who has entered into a long term installment contract for thepurchase of the dwelling and who occupies the dwelling but to whom title does not pass fromthe seller until all the terms of the installment contract have been satisfied. The seller retainstitle until completion of the payments and in no way acts as a mortgagee. The seller’s interest inthe building and premises liability may be covered using Endorsement HPC 04 41 - AdditionalInsured; or

3. To the occupant of a dwelling under a life estate arrangement when the Coverage A amount is atleast 100% of the dwelling’s replacement cost. The owner’s interest in the building and premisesliability may be covered using Endorsement HPC 04 41 - Additional Insured; or

4. When a 2-family dwelling (duplex) is occupied by co-owners, each occupying distinct livingquarters with separate entrances. Given these circumstances, a Homeowners Policy providingbuilding coverage may be issued to only one of the co-owner occupants of the dwelling. Thepolicy may be endorsed to cover the interest of the other co-owner in the building and forpremises liability.

The Homeowners Policy may be extended, without additional premium charge, to cover theinterest of a non-occupant joint owner in the building and for premises liability. UseEndorsement HPC 04 41 - Additional Insured.

B. FORM HPC HO-6 - A Unit Owners Homeowners Policy may be issued to the owner(s) of acondominium or cooperative unit which is used exclusively for residential purposes, and is notoccupied by more than one additional family or more than two boarders or roomers.

C. Subject to all other sections of this rule, a Homeowners Policy may be issued to cover a seasonaldwelling.

D. A Homeowners Policy shall not be issued to cover any property located on a farm, ranch, orchard orgrove.

107. CONSTRUCTION DEFINITIONS

A. Frame — exterior wall of wood or other combustible construction, including wood ironclad, stuccoon wood, fiber cement siding or plaster on combustible supports.


09/2012

Note: Includes aluminum or plaster / vinyl siding over frame.

B. Masonry Veneer — exterior walls of combustible construction veneered with brick or stone.

C. Masonry — exterior walls constructed of masonry materials such as adobe, brick, concrete gypsumblock, hollow concrete block, stone, tile or similar materials and floors and roof of combustibleconstruction (disregarding floors resting directly on the ground.)

D. Superior Construction

1. Non-Combustible — exterior walls, floors and roof constructed of, and supported by metal,asbestos, gypsum, or other non-combustible materials.

2. Masonry Non-Combustible — exterior walls constructed of masonry materials (as described in C.above) and floors and roof of metal or other noncombustible materials.

3. Fire Resistive — exterior walls, floors and roof constructed of masonry or other fire resistivematerials.

Note: Mixed (Masonry/Frame) — a combination of both frame and masonry construction shall beclassed and coded as frame when the exterior walls of frame construction (including gables) exceed33 1/3 % of the total exterior wall area; otherwise class and code as masonry.

109. SINGLE BUILDING DEFINITION

A. All buildings or sections of buildings which are accessible through unprotected openings shall beconsidered as a single building.

B. Buildings which are separated by space shall be considered separate buildings.

C. Buildings or sections of buildings which are separated by:

1. A six (6)-inch reinforced concrete or an eight (8)-inch masonry party wall; or

2. A documented minimum two (2) hour noncombustible wall that has been laboratory tested forindependent structural integrity under fire conditions; which pierces or rises to the underside ofthe roof and which pierces or extends to the inner side of the exterior wall shall be consideredseparate buildings. Accessibility between buildings with independent walls or through masonryparty walls described above shall be protected by at least a Class A Fire Door installed in amasonry wall section.

301. TOTAL POLICY PREMIUM CALCULATION

The rating order in this manual generally follows the order of the PREMIUM CALCULATIONWORKSHEETS. For further assistance refer to the HPC HO-3 and HPC HO-6 Premium CalculationWorksheets at the end of this manual.

A. To determine the TOTAL POLICY PREMIUM follow the steps below.

1. Calculate the INDIVIDUAL PERIL PREMIUM for each individual peril by multiplying the BASERATE for each individual peril by a series of rate factors, then round the product to the nearestwhole dollar. The rate factors used to modify the BASE RATE are applied based on coverageoptions selected and certain individual risk characteristics. When a coverage option or riskcharacteristic does not apply to an individual peril, use a factor of 1.000.

The number of INDIVIDUAL PERIL PREMIUMS varies by policy type. There are 7 INDIVIDUALPERIL PREMIUMS for the HPC HO-3 policy (Fire, Water, Liability/Medical, All Other Perils,Sinkhole, Hurricane, and Other Wind) and 4 INDIVIDUAL PERIL PREMIUMS for the HPC HO-6policy (Theft, All Other Perils, Hurricane and Other Wind).

Note: Calculation of the Hurricane and Other Wind peril premiums is not applicable when theoptional coverage for Windstorm or Hail is excluded from the policy. This applies to all Heritage


09/2012

HO policy types. Calculation of the Sinkhole peril premium is not required when the optionalcoverage for Sinkhole Loss is not selected. Optional Sinkhole coverage ONLY applies to HPC HO-3 policy type. The remaining individual perils on all policy forms are not optional and cannot beexcluded from the policy.

2. Calculate the BASE PREMIUM by determining the sum of the INDIVIDUAL PERIL PREMIUMSdeveloped in the previous step.

3. Calculate the sum of any ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS premium.

4. Calculate the TOTAL MANDATORY ADDITIONAL CHARGES. First, determine each individualmandatory surcharge. This is done by multiplying the GRAND SUBTOTAL by each mandatorysurcharge factor separately and rounding the resulting product to the nearest whole dollar. Thenadd the individual surcharges together to produce the TOTAL MANDATORY ADDITIONALCHARGES.

The mandatory surcharge factors are provided on the HPC HO-3 and HPC HO-6 PremiumCalculation Worksheets.

Exception: The Emergency Management Preparedness & Assistance Trust Fund surcharge is awhole dollar amount and does not require a multiplication step. Refer to the PremiumCalculation Worksheet.

5. Finally, calculate the TOTAL POLICY PREMIUM. Add the GRAND SUBTOTAL to the TOTALMANDATORY ADDITIONAL CHARGES developed in the previous step.

B. Rate Factor Determination (Interpolation)

When the desired limit of liability or coverage percentage chosen is between the limits shown on anyrate table, determine the rate factors using the following procedure.

1. Procedure (For each peril)

a. From the applicable rate factor table, determine the next lower limit and the next higher limitthan the desired limit.

b. Subtract the lower limit from the desired limit and divide this result by the differencebetween the higher limit and the lower limit.

c. Determine the rate factors for each of the higher and lower limits.

d. Subtract the lower limit’s rate factor from the higher limit’s rate factor and multiply by theresult from b.

e. Add the result from d. to the lower limit’s rate factor. Round to the third decimal. The resultis the rate factor for each peril for the desired limit.

2. Example

The factors in the following example are for illustration only and are not necessarily factorsshown in the Coverage A Rate Factor Table of this manual.

Assume the desired Coverage A limit is $215,000, and that this limit is not in the Coverage A RateFactor Table. Also, assume that the next lower limit in the table is $200,000 and the next higherlimit is $225,000. The Factors for these limits for a particular peril are 1.820 and 2.022,respectively.

Following the steps above:

a. The next lower and next higher limits are $200,000 and $225,000

b. ($215,000 - $200,000) / ($225,000 - $200,000) = $15,000 / $25,000 = 0.60

c. The rate factors are 1.820 for $200,000 and 2.022 for $225,000

d. (2.022 – 1.820) x 0.60 = 0.1212

e. 0.1212 + 1.820 = 1.941 = Rage Factor for $215,000


06/2014

303. BASE RATES

The first step in calculating the INDIVIDUAL PERIL PREMIUMS is to determine the BASE RATES. TheBASE RATES are as follows:

A. HPC HO-3

Peril Insured Against Base Rate

Fire 340.31

Water 569.05

Liability / Medical 62.27

All Other Perils 168.73

Sinkhole 9.71

Hurricane 1,339.05

Other Wind 48.19

B. HPC HO-6

Peril Insured Against Base Rate

Theft 34.42


Hurricane 576.85

Other Wind 152.21

Note: When an individual peril insured against does not apply (e.g., Optional Sinkhole coverage is notselected or Windstorm or Hail is excluded) the base rates for that peril are not applicable. The individualperil base rate will default to zero (0) and individual peril rating factors will default to 1.000.

304. WINDSTORM OR HAIL EXCLUSION

A. The peril of Windstorm or Hail may be excluded at renewal for existing policies. No mid-termendorsement requests to add, change or remove this coverage will be accepted. Requests to excludeWindstorm or Hail for a property must be submitted with Form HPC WE. Use Endorsement HO 04 94- Windstorm or Hail Exclusion.

B. When Windstorm or Hail coverage is excluded, the Hurricane and Other Wind individual peril baserates and individual peril rating factors are not applicable.

305. TERRITORY RELATIVITIES

From the Territory Relativities Table, select the factors for the territory that apply. Apply the factors tothe INDIVIDUAL PERIL PREMIUM calculation described in the Total Policy Premium Calculation rule.

306. COVERAGE A LIMIT OF LIABILITY – FORM HPC HO-3

A. From the Coverage A Rate Factor Table select the rate factors for the Coverage A limit of liability thatapplies. If the desired limit of liability for Coverage A is not provided in the table, see theInterpolation example on developing the appropriate rate factor for the desired limit of liability.

B. Upon determining the Coverage A rate factor for each peril, apply the rate factors to theINDIVIDUAL PERIL PREMIUM calculation described in the Total Policy Premium Calculation rule.

309. OTHER STRUCTURES (COVERAGE B) COVERAGE OPTIONS – FORM HPC HO-3

The base rates include a Coverage B - Other Structures blanket limit of 10% of the Coverage A limit ofliability.

A. Optional Reduction Limit

1. The Coverage B blanket limit may be reduced to 5%, 2% or 0% of Coverage A for a premiumcredit at renewal.

2. Select the appropriate factor from the Coverage B Rate Factor Table and apply it to theINDIVIDUAL PERIL PREMIUM calculation described in the Total Policy Premium Calculation rule.


09/2012

3. When Coverage B is excluded (0%) use Endorsement HPC 04 12 – Exclusion of Section I -Coverage B Other Structures Coverage.

B. Specific Structure Increased Limits

Increased limits on specific structures may be purchased up to 70% of Coverage A when theCoverage B blanket limit has not been reduced or excluded.

Note: For rating Permitted Incidental Occupancies in Other Structures see Permitted IncidentalOccupancies Residence Premises rule.

1. For structures not rented to others the following additional premium applies:

$4 per $1,000 of insurance

Use Endorsement HO 04 48 - Other Structures Increased Limits

2. For “Structures Rented to Others - Residence Premises” the following additional premiumapplies:

a. $6 per $1,000 of insurance, andb. A premium of $38 for the increased Coverage E and Coverage F exposure.

Use Endorsement HO 04 40 - Structures Rented to Others - Residence Premises.

3. Apply these premiums to the ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS premiumcalculation described in the Total Policy Premium Calculation rule.

Mid-term Coverage B changes will be considered. Endorsement requests must be submitted toUnderwriting for approval and must include documentation that supports a mid-term change todecrease (or increase) the coverage limit (e.g. remodeling, loss, additions, etc.).

401. PERSONAL PROPERTY (COVERAGE C) COVERAGE OPTIONS

A. HPC HO-3 provides Coverage C in the amount of 50% of Coverage A.

1. Reduction in Limit

The limit of liability for Coverage C may be reduced to an amount of not less than 25% of thelimit for Coverage A for a premium credit.

2. Exclusion of Personal Property

Coverage C may be excluded on new policies or at renewal for existing policies for a premiumcredit. No mid-term endorsement requests to add or exclude contents coverage will be accepted.Any request to exclude contents coverage must be submitted with form HPC CE for the insuredsstatement.

Use Endorsement HPC 06 08 - Personal Property Exclusion - Florida.

B. Premium Determination

1. HPC HO-3

a. Select the desired Coverage C dollar limit of liability. To determine the percentage, divide thisamount by the total Coverage A dollar limit. Round the result to the third decimal place.

b. From the appropriate Coverage C Rate Factor Table select the rate factors for the Coverage Cpercentage that applies. If the desired percentage for Coverage C is not provided on thetable, see the Interpolation example on developing the appropriate rate factor for thedesired limit of liability.

c. Upon determining the Coverage C rate factor for each peril, apply the rate factors to theINDIVIDUAL PERIL PREMIUM calculation described in the Total Policy Premium Calculationrule.


09/2012

2. HPC HO-6

a. Select the desired Coverage C dollar limit of liability.b. From the Coverage C Rate Factor Table select the rate factors for the limit that applies. If the

desired limit is not provided on the table, see the Interpolation example on developing theappropriate rate factor for the desired limit of liability.

c. Upon determining the Coverage C rate factor for each peril, apply the rate factors to theINDIVIDUAL PERIL PREMIUM calculation described in the Total Policy Premium Calculationrule.

402. PERSONAL PROPERTY (COVERAGE C) REPLACEMENT COST COVERAGE

Replacement Cost coverage is available on all Heritage Homeowner policy types.

When Replacement Cost coverage is selected the following rate factors are applied to the INDIVIDUALPERIL PREMIUM calculation described in the Total Policy Premium Calculation rule.

HPC HO-3 Personal Property Replacement Cost RateFactors

Peril Insured Against Factor

Fire 1.150

Water 1.150

Liability / Medical 1.000


Sinkhole 1.150

Hurricane 1.150

Other Wind 1.150

HPC HO-6 Personal Property Replacement Cost RateFactors


Theft 1.350


Hurricane 1.350

Other Wind 1.350

Use Endorsement HPC 04 90 - Personal Property Replacement Cost.

403. PERSONAL LIABILITY (COVERAGE E) COVERAGE OPTIONS

A. The minimum limit of liability for Coverage E (Personal Liability) is $100,000.

B. An increased limit liability of $300,000 is available for Coverage E.

C. Based on the limit selected, the following rate factor is applied to the Liability/Medical INDIVIDUALPERIL PREMIUM calculation described in the Total Policy Premium Calculation rule.

HPC HO-3 Coverage E Rate Factor


Liability/Medical -- $100,000 Limit 1.000


HPC HO-6 Coverage E Rate Factor




407. ORDINANCE OR LAW COVERAGE OPTIONS – FORM HPC HO-3

A. Basic Limits

The policy automatically provides a basic limit up to 25% of the Coverage A limit of liability to paycosts necessary to comply with the enforcement of an ordinance or law.

B. Increased Limit

The basic limit may be increased to provide up to 50% of the Coverage A limit of liability.


09/2012

C. Endorsement

For increased limits, use Endorsement HPC 04 77 – Ordinance or Law – Increased Amount ofCoverage. This endorsement is offered for all new policies and at renewal for existing policies. Nomid-term endorsements will be accepted.

D. Premium Computation

Based on the Ordinance or Law coverage limit selected, apply the following rate factors to theINDIVIDUAL PERIL PREMIUM described in the Total Policy Premium Calculation rule.

HPC HO-3 – Ordinance or Law Increased Coverage

Peril Insured Against 25% of A Limit Factor 50% of A Limit Factor

Fire 1.000 1.050

Water 1.000 1.050

Liability/Medical 1.000 1.000

All Other Perils 1.000 1.050

Sinkhole 1.000 1.000

Hurricane 1.000 1.050

Other Wind 1.000 1.050

409. INDIVIDUAL RISK CHARACTERISTICS, DISCOUNTS AND SURCHARGES

A. Protection Class & Construction Type

1. Determine the Protection Class and Construction Type applicable to the risk being insured.

2. From the Protection Class and Construction Type Rate Factor Tables determine the applicablerate factor for each individual peril. Then apply the rate factors to the INDIVIDUAL PERILPREMIUM calculation described in the Total Policy Premium Calculation rule.

Note: Protection Class and Construction Type rates do not apply to the Liability/Medical INDIVIDUALPERIL PREMIUM.

B. Townhouse or Row-house (Form HPC HO-3 Only)

1. Determine the Townhouse or Row-house rating factor applicable to the risk being insured. Thefactor is dependent on the protection class and the number of individual family units within thefire division.

Note: A Fire Division is a dwelling separated by an 8” masonry or 6” reinforced concrete wallwithout openings. If the roof is combustible or metal, the common walls between the units mustcontain a parapet wall extending at least thirty (30) inches above the roof. Additionally, if theexterior walls are not masonry, the parapet wall must pierce the exterior side walls. The 30”requirement is not applicable to exterior walls.

2. From the Townhouse or Row-house Rate Factor Tables determine the applicable rate factor foreach individual peril. Then apply the rate factors to the INDIVIDUAL PERIL PREMIUM calculationdescribed in the Total Policy Premium Calculation rule.

C. Protective Device Discounts

Certain burglar alarms, fire alarms and sprinkler systems in a dwelling will be recognized for areduced premium.

1. Burglar Alarm – Central Station Reporting

a. A credit factor applies to all professionally installed, functioning central station systems.b. To apply credit for a qualified burglar alarm, the following rate factors are applied to the

INDIVIDUAL PERIL PREMIUM calculation described in the Total Policy Premium Calculationrule.


09/2012

HPC HO-3 Burglar Alarm Rate Factor


All Other Perils – with Alarm 0.592

All Other Perils – without Alarm 1.000

HPC HO-6 Burglar Alarm Rate Factor


Theft – with Alarm 0.456

Theft – without Alarm 1.000

2. Fire Alarm – Central Station Reporting

a. A credit factor applies to all professionally installed functioning central station reporting firealarm systems.

b. To apply credit for a qualified fire alarm the following rate factors are applied theINDIVIDUAL PERIL PREMIUM calculation described in the Total Policy Premium Calculationrule.

HPC HO-3 Fire Alarm Rate Factor(without sprinkler system)


Fire – with Alarm 0.746

Fire – without Alarm 1.000

HPC HO-6 Fire Alarm Rate Factor(without sprinkler system)


All Other Perils – with Alarm 0.942

All Other Perils – without Alarm 1.000

3. Automatic Sprinkler System

a. Class A: A credit factor applies to all functioning automatic sprinkler systems professionallyinstalled in accordance with nationally accepted fire sprinkler design standards. Theautomatic sprinklers must be in all areas except that attics, bathrooms, closets and attachedstructure areas may be protected by fire detectors in lieu of sprinklers.

b. Class B: A credit factor applies to all functioning automatic sprinkler systems professionallyinstalled in accordance with nationally accepted fire sprinkler design standards. Theautomatic sprinklers must be in all areas including attics, bathrooms, closets and attachedstructure areas.

c. To apply credit for a qualified automatic sprinkler system, determine if the system qualifies asa Class A or B. Select the applicable rate factor from the tables below. Then apply the ratefactors to the INDIVIDUAL PERIL PREMIUM calculation described in the Total Policy PremiumCalculation rule.

HPC HO-3 Automated Sprinkler System and Fire Alarm Combined Rate Factors

Peril Insured Against Protective Device Factor

Fire

Class A without Fire Alarm 0.746

Class A with Fire Alarm 0.557

Class B without Fire Alarm 0.556

Class B with Fire Alarm 0.414

HPC HO-6 Automated Sprinkler System and Fire Alarm Combined Rate Factors

Peril Insured Against Protective Device Factor

All Other Perils

Class A without Fire Alarm 0.942

Class A with Fire Alarm 0.888

Class B without Fire Alarm 0.899

Class B with Fire Alarm 0.847

Note: When both a qualified fire alarm and qualified sprinkler system are present, ONLY thecombined fire alarm and automated sprinkler system rate factors should be applied to theINDIVIDUAL PERIL PREMIUM.


09/2012

4. Required Documentation

For burglar and fire alarms, a legible copy of the certificate of installation that includes amonitoring agreement or a current legible copy (not more than one {1} year old) of themonitoring subscription agreement is required.

For fire sprinkler systems, a copy of the certificate of installation from a sprinkler contractorlicensed per Section 633.021, Florida Statute is required. The sprinkler contractor must holdeither a Class I, II or IV license and must certify that the installation substantially complies withNational Fire Protection Association (NFPA) sprinkler standard 13, 13D or 13R. Alternatively,documentation that the building has been specifically rated by the I.S.O. will suffice.

5. Endorsements

Use Endorsement HPC 04 16 – Premises Alarm or Fire Protection System.

D. Age of Home / Year Built Premium Adjustment – Form HPC HO-3 Only

All risks insured on a Homeowners Form are subject to an Age of Home / Year Built premiumadjustment.

1. For the Hurricane and Other Wind INDIVIDUAL PERIL PREMIUMS the age of home rate factor isapplied based on the year built as provided in the Age of Home Rate Table.

2. For all of the other INDIVIDUAL PERIL PREMIUMS, the age of home rate factor is determined bysubtracting the year built from the policy effective year. The rate factor applies to the year duringwhich the construction of the house was completed, regardless of the date of first occupancy.

3. Premium Determination

To apply the Age of Home / Year Built factor, determine the appropriate rate factor on the Age ofHome / Year Built Rate Table. Then apply the rate factors to the INDIVIDUAL PERIL PREMIUMcalculation described in the Total Policy Premium Calculation rule.

E. Seasonal Property

1. Definition

A seasonal property is a dwelling that has continuous unoccupancy of three (3) or moreconsecutive months during any one (1) year period. A dwelling that has continuous unoccupancyof six (6) consecutive months during any one (1) year period is subject to a surcharge.

2. Premium Determination

From the Seasonal Property Factor Table determine the applicable rate factor. Then apply therate factors to the INDIVIDUAL PERIL PREMIUM calculation described in the Total PolicyPremium Calculation rule.

501. DEDUCTIBLES

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

Note 1: Deductible factors do not apply to the peril of Liability / Medical.

Note 2: For form HPC HO-3, deductible factors do not apply to the peril of Sinkhole when optionalsinkhole coverage is not selected.

A. Wind Coverage Included

1. Base Deductible

$1,000 All Other Perils Deductible2% Hurricane Deductible (Minimum $500)

2. Endorsement

Endorsement HPC 24 - Calendar Year Hurricane Deductible – Florida is mandatory when Windcoverage is provided.


09/2012

3. Hurricane Deductible Changes

Hurricane deductible options may only be amended effective at the normal policy renewal date.

Exception: If a lower hurricane deductible is requested and the policy has sustained a hurricaneloss in the current calendar year, the lower deductible will not become effective until January 1of the following calendar year. A policy may not be rewritten to circumvent these restrictions.

4. Optional Deductibles

There is only one factor which is applied to all individual peril premium calculations.

HPC HO-3

Select the appropriate factor from the following table and apply the factor to the HO-3INDIVIDUAL PERIL PREMIUM calculations as described in the Total Policy Premium Calculationrule.

COVERAGE A HPC HO-3 DEDUCTIBLE FACTOR TABLE

Hurricane: $500 2% 2% 2% 5% 5% 5% 10% 10% 10%

All Other Perils: $500 $500 $1,000 $2,500 $500 $1,000 $2,500 $500 $1,000 $2,500

25,000 to 49,999 1.160 1.110 --- --- 0.990 0.910 --- 0.870 0.820 0.700

50,000 to 59,999 1.160 1.110 1.000 --- 0.990 0.910 0.750 0.870 0.820 0.700

60,000 to 99,999 1.250 1.110 1.000 --- 0.990 0.910 0.750 0.870 0.820 0.700

100,000 to 124,999 --- 1.110 1.000 --- 0.990 0.910 0.750 0.870 0.820 0.700

125,000 to 200,000 --- 1.110 1.000 0.840 0.990 0.910 0.750 0.870 0.820 0.700

200,001 to 1,000,000 --- 1.110 1.000 0.840 0.990 0.910 0.750 0.870 0.820 0.700

Over 1,000,000 --- 1.110 1.000 0.970 0.990 0.910 0.880 0.870 0.820 0.790

HPC HO-6

Select the appropriate factor from the following table and apply to each HO-6 INDIVIDUAL PERILPREMIUM (all 4 perils) and calculate as described in the Total Policy Premium Calculation rule.

COVERAGE C HPC HO-6 DEDUCTIBLE FACTOR TABLE

Hurricane: $500 2% 2% 2% 5% 5% 5% 10% 10% 10%

All Other Perils: $500 $500 $1,000 $2,500 $500 $1,000 $2,500 $500 $1,000 $2,500

6,000 to 9,999 1.150 --- --- --- --- --- --- 1.100 --- ---

10,000 to 14,999 1.150 --- --- --- 1.100 --- --- 1.060 0.960 ---

15,000 to 19,999 1.150 --- --- --- 1.050 --- --- 0.950 0.900 ---

20,000 to 24,999 1.150 --- --- --- 1.050 0.900 --- 0.950 0.820 ---

25,000 to 29,999 1.150 1.140 --- --- 1.050 0.900 --- 0.880 0.820 0.720

30,000 to 49,999 1.200 1.140 --- --- 1.050 0.900 --- 0.880 0.800 0.720

50,000 to 99,999 1.250 1.140 1.000 --- 1.050 0.900 0.800 0.880 0.770 0.700

100,000 to 124,999 --- 1.140 1.000 --- 1.050 0.900 0.800 0.880 0.770 0.700

Over 124,999 --- 1.140 1.000 0.850 1.050 0.900 0.750 0.880 0.770 0.620

B. Wind Coverage Excluded (X-Wind)

1. Base Deductible

$1,000 All Other Perils DeductibleHurricane Deductible: No Coverage

2. Optional Deductibles

For policies that exclude wind coverage, there is one rating factor to be applies to all INDIVIDUALPERIL PREMIUM calculations except Liability / Medical. Select the appropriate factor from thetable below.

HPC HO-3 ALL PERILS DEDUCTIBLE FACTORS TABLE - Wind Coverage Excluded (X-Wind)

Coverage A $500 $1,000 $2,500

Up to 59,999 1.16 1.000 ---

60,000 to 99,999 1.15 1.000 ---

100,000 to 125,000 1.15 1.000 0.78

125,001 to 200,000 1.15 1.000 0.78

Over 200,000 1.06 1.000 0.87


09/2012

601. WINDSTORM MITIGATION FEATURES

A. For policies that cover the peril of Windstorm or Hail, a premium credit may be available if one ormore of the following loss mitigation features or construction techniques exists:

1. Roof Covering;2. Roof Deck Attachment;3. Roof Wall Connection;4. Opening Protection;5. Roof Shape;6. Secondary Water Resistance;

The credit recognition and description of the loss mitigation features listed above are described inthe Loss Mitigation Credits Table contained in Paragraph F. below.

Note: For townhouse or row-house, use 1 to 4 unit tables regardless of number of units in thebuilding.

B. Proof of Compliance

The company requires proof to substantiate the existence of loss mitigation features displayed in theLoss Mitigation Credit tables, except roof shape that is verifiable via a photograph. Use Form OIR-B1-1802, Uniform Mitigation Verification Inspection Form (“UMVIF”). The applicant/insured isresponsible for the expense associated with the use of this form or any other costs for substantiatingthe existence of the mitigation features.

Heritage will return the least amount of premium credit based on the applicable mitigation featuresdisplayed in the Loss Mitigation Credit Table if the loss mitigation feature(s):

1. Is unknown; or2. Cannot be verified; or3. Is not substantiated by a mitigation affidavit/form.Exceptions to use of forms listed above:1. Year built on or after January 1, 2002: Structures built on or after January 1, 2002, are eligible

for the minimum FBC 2001 credit by providing documentation that validates the year ofconstruction. Acceptable documents include: certification of occupancy, copy of propertyappraisal or any other document the Company deems acceptable. Completion of the UMVIF isnot required to receive the minimum FBC 2001 credit. Additional credits may be obtained bycompleting the UMVIF.

2. Year built 2002 or later (Dade and Broward County ONLY): Type II and Type III structures builton or after January 1, 2002 in Dade or Broward County are eligible for Opening Protection ClassA credit by providing documentation that validates the year of construction. Acceptabledocuments include certification of occupancy, copy of property appraisal or any other documentthe Company deems acceptable. Completion of the UMVIF is not required to receive this Class Acredit.

C. Wind Design – 1 to 4 Units built on or after January 1, 2002.

FBC 2001 establishes base (e.g. minimum) Wind Design Speeds (WDS) for each FBC Wind Speedzone. When WDS of the structure (e.g. 1-4 unit buildings built on or after January 1, 2002) exceedsthe basic speed design of the wind speed zone, certification is required for premium credit.

HPC HO-6 ALL PERILS DEDUCTIBLE FACTORS TABLE - Wind Coverage Excluded (X-Wind)

Coverage C $500 $1,000 $2,500

Up to 99,999 1.330 1.000 ---

100,000 to 200,000 0.180 1.000 0.710


09/2012

Note: For year built on or after January 1, 2002, Dade and Broward counties do not require WDScertification as county WDS develops maximum WDS premium credit. (SWR and openingprotection still requires the UMVIF).

D. Residential Classification Definitions:

1. Terrain Exposure Category DefinitionsApply Exposure Category (terrain) definitions from the Florida Building Code as follows:a. Exposure C (open terrain with scattered obstructions) applies to:

All locations in HVHZ (Miami-Dade and Broward Counties); including. Barrier islands as defined per s. 161.55(5), Florida Statutes, as the land area from the

seasonal high water line to a line 5,000 feet landward from the Coastal ConstructionControl line.

All other areas with 1,500 feet of the coastal construction control line, or within 1,500feet of the mean high tide line, whichever is less.

b. Exposure B (urban, suburban, and wooded areas) practically applies to all other locations inFlorida by virtue of the exposure definitions for other exposures.

2. Building Types (applies to 5+ units only)a. Type I – Buildings that are 3 stories or less.b. Type II – Buildings that are 4 to 6 stories.c. Type III – Buildings that are 7 stories or more.

3. Roof Coveringsa. For 1 to 4 unit buildings and 5+ unit – Type I buildings:

FBC Equivalent – Roof coverings that meet the minimum requirements of the 2001Florida Building Code or the 1994 South Florida Building Code.

Non-FBC Equivalent – Roof coverings that do not meet the FBC Equivalent definitionrequirements previously noted.

Reinforced Concrete Roof Deck - A roof structure composed of cast-in-place or precaststructural concrete designed to be self-supporting and integrally attached to wall/supportsystem.

b. For 5+ unit – Type II and Type III buildings:

Level B (FBC Equivalent): To qualify as a Level B roof cover, the roof cover must be one ofthe following accepted roof cover types:o Built-Up;o Modified Bitumen;o Sprayed Polyurethane foam;o Liquid membrane applied over concrete;o Asphalt roll roofing;o Wood shakes in good condition, attached with at least two mechanical fasteners;o Ballasted roof designed to meet the local wind speed requirements; oro Asphalt roof coverings installed in accordance ASTM D 3161 (modified for 110 mph)

or Miami Dade County PA 107-95.and meet the following conditions:o Any flat roof covering with flashing or coping must be mechanically attached to the

structure with face fasteners (no clip/cleat systems)o Roof coverings on flat roofs must be 10 years old or less.o All mechanical equipment must be adequately tied to the roof deck to resist

overturning and sliding during high winds. Level A (Non FBC Equivalent): All roof cover types and configurations that do not meet

level B.


09/2012

Predominant Roof Covering Rule

Roof covering should be determined by using the roof covering that comprises greater than50% of the roof surface of the dwelling, excluding entrance ways, porches, and decorativenonstructural gables.

4. Roof Shape

Hip - roof having sloping ends and sloping sides down to the eaves line. Gable – The portion of the roof above the eaves line of a double-sloped roof; the end section

appears as an inverted V. Flat – A horizontal roof with a pitch less than 10 degrees.

Predominant Roof Shape Rule

The predominant roof shape should be determined based upon the type of roof structure thatexceeds 50% of the roof surfaces subject to the following:

A Hip roof must be comprised of no other roof shapes greater than 50% of the exterior walllength.

Any exterior wall with a Gable end exceeding 50% of the exterior wall length shall beclassified as Gable.

5. Roof Deck Attachmentsb. For 1 to 4 unit buildings and 5+ unit – Type I buildings:

Attachment A – Plywood/OSB roof sheathing attached to roof trusses/rafters by 6 pennynails (2” x 0.131” diameter) or greater which are properly spaced at a maximum of 6”along the edge and 12” in the field on 24” truss/rafter spacing.ORBatten decking or Skipped decking (typically used on roof decks supporting wood shakesor wood shingles).ORAny system of screws, nails, adhesives, other roof deck fastening systems or truss/rafterspacing that has an equivalent mean uplift resistance of 55 pounds per square foot ormore as evidenced by laboratory uplift tests on full size sheets of plywood/OSB.

Attachment B – Plywood/OSB roof sheathing with a minimum thickness of 1/2" attachedto roof trusses/rafters by 8 penny (2.5” x 0.131” diameter) nails or greater which areproperly spaced at a maximum of 6” along the edge and 12” in the field on 24”truss/rafter spacingORAny system of screws, nails, adhesives, other roof deck fastening systems, or truss/rafterspacing that has an equivalent mean uplift resistance of 103 pounds per square foot ormore as evidenced by laboratory uplift tests on full size sheets of plywood/OSB.

Attachment C – Plywood/OSB roof sheathing with a minimum thickness of 1/2" attachedto roof trusses/rafters by 8d nails (2.5” x 0.131” diameter) which are properly spaced at amaximum of 6” along the edge and 6” in the field on 24” truss/rafter spacingOR


09/2012

Dimensional Lumber or Tongue & Groove deck roof composed of ¾” thick boards withnominal widths of 4” or more.ORAny system of screws, nails, adhesives, other roof deck fastening systems, or truss/rafterspacing that has an equivalent mean uplift resistance of 182 pounds per square foot ormore as evidenced by laboratory uplift tests on full size sheets of plywood/OSB.

c. For 5+ unit – Type II and Type III buildings: Attachment A (Wood or Other)

o Roof deck composed of sheets of structural panels (plywood or OSB).o Architectural (non-structural) metal panels that require a solid decking to support

weight and loads.o Other roof decks that do not meet Attachment levels B or C.

Attachment B (Metal Deck)Metal roof deck made of structural panels that span from joist to joist.

Attachment C (Reinforced Concrete Roof Deck)A roof structure composed of cast-in-place or pre-cast structural concrete designed to beself-supporting and integrally attached to wall/support system.

Note: If roof deck type is unknown, deck should be classified as Attachment A.6. Secondary Water Resistance

a. For 1 to 4 unit buildings and 5+ unit – Type I buildings:A self-adhering polymer modified bitumen roofing underlayment (thin rubber sheets withpeel and stick underside located beneath the roof covering and normal felt underlayment)with a minimum width of 6” meeting the requirements of ASTM D 1970 installed over allplywood/OSB joints to protect from water intrusion. All secondary water resistance productsmust be installed per the manufacturer's recommendations. Roofing felt or similar paperbased products are not acceptable for secondary water resistance.ORA foamed polyurethane sheathing adhesive applied over all joints in the roof sheathing toprotect interior from water intrusion.

b. For 5+ unit – Type II and Type III buildings: For Wood Decks:

A self-adhering polymer modified bitumen roofing underlayment (thin rubber sheets withpeel and stick underside located beneath the roof covering and normal feltunderlayment) with a minimum width of 6” meeting the requirements of ASTM D 1970installed over all plywood/OSB joints to protect from water intrusion. All secondary waterresistance products must be installed per the manufacturer's recommendations. Roofingfelt or similar paper based products are not acceptable for secondary water resistance.ORA foamed polyurethane sheathing adhesive applied over all joints in the roof sheathing toprotect interior from water intrusion.

For Metal Decks:Roofing tar is applied to all connections where mechanical fasteners penetrate the metaldeck.

For Reinforced Concrete Roof DeckNot applicable.

7. Roof-Wall Connectiona. Toe-Nail – Rafter/truss anchored to top plate of wall using nails driven at an angle through

the rafter/truss and attached to the top plate of the wall.


09/2012

b. Clips – Metal clips installed on each truss/rafter that attach to the side only of thetruss/rafter member and to the wall frame. Metal clip should be free of severe corrosion,have a minimum of 3 nails into the truss/rafter and 3 nails into the wall.

c. Single Wraps – Metal straps installed on each truss/rafter that wrap over the top of thetruss/rafter and attach to the wall frame in one location. Metal strap should be free of severecorrosion, have a minimum of 3 nails into the truss/rafter and 3 nails into the wall.

d. Double Wraps – Metal straps installed on each truss/rafter that wrap over the top of thetruss/rafter and attach to the wall frame in two locations. Metal strap should be free ofsevere corrosion, have a minimum of 3 nails into the truss/rafter and 3 nails into the wall ateach location.

8. Opening Protectiona. Class A (Hurricane Impact) – All exterior openings or all glazed exterior openings in buildings

(doors, windows, skylights and vents, other than roof ridge, gable, soffit and plumbing vents)must be fully protected with impact resistant coverings (e.g. shutters), impact resistantdoors, and/or impact resistant window units that are listed as wind borne debris protectiondevices in the product approval system of the State of Florida or Miami-Dade County. Forbuildings located in the HVHZ (High Velocity Hurricane Zone) all openings must be protected.Wind borne debris protection systems must have either a Miami-Dade NOA or FBC productapproval denoting “For Use in the HVHZ”. All opening protection devices must meet thefollowing “Cyclic Pressure and Large Missile Impact” standards as appropriate:

Miami-Dade County Notice of Acceptance (NOA) 201, 202 and 203. (Large Missile – 9 lb.)

Florida Building Code Testing Application Standard (TAS) 201, 202 and 203. (Large Missile– 9 lb.)

American Society for Testing and Materials (ASTM) E 1886 and ASTM E 1996. (LargeMissile – 9 lb.)

Southern Standards Technical Document (SSTD) 12. (Large Missile – 9 lb.)

For Skylights Only: ASTM E 1886/E 1996. (Large Missile – 4.5 lb.)

For Garage Doors Only: ANSI/DASMA 115. (Large Missile – 9 lb.)b. Class B (Basic Impact) – All exterior openings or All glazed exterior openings in buildings

(doors, windows, skylights and vents, other than roof ridge, gable, soffit and plumbing vents)must be fully protected with impact resistant coverings (e.g. shutters), impact resistantdoors, and/or impact resistant window units that are listed as wind borne debris protectiondevices in the product approval system of the State of Florida or Miami-Dade County. Allopening protection devices must meet the following “Cyclic Pressure and Large MissileImpact” standards as appropriate: ASTM E 1886 and ASTM E 1996. (Large Missile – 4.5 lb.) SSTD 12. (Large Missile – 4 lb. to 8 lb.) For Skylights Only: ASTM E 1886/E 1996 (Large Missile – 2 to 4.5 lb.)

c. None – All other cases, including unprotected glazed openings.9. FBC Wind Speed

Design wind speed (3 second gust) for site location as determined by the wind speed map inFigure 1606 of the Florida Building Code.

10. FBC Wind DesignWind speed (3 sec gust) for which the structure is designed to withstand according to the FBC2001.FBC 2001 establishes basic (e.g. minimum) Wind Design Speeds (WDS) for each FBC Wind Speedzone. When WDS of the structure (e.g. 1-4 unit buildings built on or after January 1, 2002)exceeds the basic speed design, certification is required for premium credit.


09/2012

Note: Dade and Broward counties do not require certification as county WDS develops maximumWDS premium credit.

E. WMC Premium Credit Computation1. Select the applicable Windstorm Loss Mitigation credit factor from the table.2. Apply the credit factors to the INDIVIDUAL PERIL PREMIUM calculation described in the Total

Policy Premium Calculation rule.Note: The Windstorm Loss Mitigation credit factor is only applicable to the Hurricane and OtherWind INDIVIDUAL PERIL PREMIUMS.

F. Loss Mitigation Credits Table for Multi-PerilSelect the appropriate loss mitigation factor from the following tables:


09/2012

Loss Mitigation Credits for 1 to 4 units – Multi-Peril - Terrain B(This chart is not applicable to renter contents and condominium unit owner in a building with 5 or more units.)

YEAR BUILT BEFORE JANUARY 1, 2002Roof Shape and Opening Protection

Other Roof Shape Hip Roof Shape

Roof CoverRoof Deck

Attachment Roof-Wall ConnectionSec. WaterResistance None Class B Class A None Class B Class A

Non-FBCEquivalent

A.(6d @ 6”/12”)

Toe NailsNo SWR 1.00 0.65 0.56 0.53 0.38 0.34

SWR 0.94 0.58 0.49 0.50 0.35 0.30

ClipsNo SWR 0.65 0.53 0.50 0.38 0.32 0.30

SWR 0.58 0.46 0.43 0.34 0.27 0.26

Single WrapsNo SWR 0.65 0.53 0.50 0.38 0.32 0.30

SWR 0.57 0.45 0.42 0.33 0.27 0.26

Double WrapsNo SWR 0.65 0.53 0.50 0.38 0.32 0.30

SWR 0.57 0.45 0.42 0.34 0.27 0.26

B.(8d @ 6”/12”)

Toe NailsNo SWR 0.91 0.54 0.44 0.51 0.37 0.32

SWR 0.86 0.49 0.39 0.48 0.34 0.29

ClipsNo SWR 0.42 0.35 0.34 0.32 0.27 0.27

SWR 0.35 0.30 0.28 0.27 0.24 0.23


SWR 0.32 0.27 0.27 0.27 0.23 0.23


SWR 0.32 0.27 0.26 0.27 0.23 0.23

C.(8d @ 6”/6”)

Toe NailsNo SWR 0.91 0.54 0.43 0.51 0.37 0.32

SWR 0.86 0.49 0.39 0.49 0.34 0.29

ClipsNo SWR 0.41 0.35 0.33 0.32 0.27 0.27

SWR 0.35 0.30 0.28 0.27 0.24 0.23


SWR 0.31 0.27 0.26 0.27 0.23 0.23


SWR 0.30 0.26 0.26 0.27 0.23 0.23

FBCEquivalent

A.(6d @ 6”/12”)

Toe NailsNo SWR 0.89 0.53 0.43 0.45 0.30 0.25

SWR 0.86 0.51 0.42 0.44 0.29 0.24

ClipsNo SWR 0.51 0.40 0.37 0.28 0.22 0.21

SWR 0.50 0.38 0.35 0.27 0.22 0.20


SWR 0.50 0.38 0.35 0.27 0.22 0.20


SWR 0.49 0.38 0.35 0.27 0.22 0.20

B.(8d @ 6”/12”)

Toe NailsNo SWR 0.82 0.45 0.34 0.43 0.29 0.24

SWR 0.80 0.43 0.33 0.43 0.28 0.23

ClipsNo SWR 0.30 0.25 0.23 0.22 0.19 0.18

SWR 0.29 0.24 0.22 0.21 0.18 0.17


SWR 0.26 0.21 0.20 0.21 0.17 0.17


SWR 0.25 0.20 0.20 0.21 0.17 0.17

C.(8d @ 6”/6”)

Toe NailsNo SWR 0.82 0.44 0.34 0.43 0.29 0.24

SWR 0.80 0.43 0.32 0.43 0.28 0.23

ClipsNo SWR 0.30 0.24 0.22 0.22 0.19 0.18

SWR 0.28 0.23 0.22 0.21 0.18 0.17


SWR 0.24 0.20 0.20 0.21 0.17 0.17


SWR 0.24 0.19 0.19 0.21 0.17 0.17

Reinforced Concrete Roof Deck 0.18 0.16 0.16 0.18 0.16 0.16

YEAR BUILT ON OR AFTER JANUARY 1, 2002


FBC WINDSPEED

FBC WINDDESIGN

Sec. WaterResistance

None Class B Class A None Class B Class A

Other Roof Deck orDimensional Lumber Deck

100 ≥100 No SWR 0.32 0.26 0.26 0.22 0.18 0.18

SWR 0.31 0.26 0.26 0.21 0.18 0.18

110 ≥110 No SWR 0.28 0.22 0.22 0.22 0.18 0.18

SWR 0.27 0.22 0.22 0.21 0.18 0.17

≥120 ≥120 No SWR 0.26 0.22 0.21 0.22 0.18 0.18

SWR 0.25 0.20 0.20 0.22 0.18 0.18

≥120 and WBDR

≥120 No SWR 0.23 0.18 0.18 0.19 0.14 0.14

SWR 0.20 0.16 0.16 0.17 0.14 0.14

Reinforced Concrete Roof Deck 0.18 0 .16 0 .15 0 .18 0 .15 0.15


09/2012

Loss Mitigation Credits for 5+ units – Multi-Peril – Terrain B(This chart is not applicable for risks located in a building that has 1 to 4 units.)

BUILDING TYPE I / 3 stories or lessYEAR BUILT BEFORE JAN. 1, 2002

Roof Shape and Opening Protection

Flat Gable Hip

Roof CoverRoof Deck

AttachmentRoof-Wall

ConnectionSec. WaterResistance

None Class B Class A None Class B Class A None Class B Class A

Non-FBCEquivalent

Level A

Toe NailsNo SWR 1.00 0.88 0.78 0.63 0.42 0.36 0.55 0.34 0.30

SWR 0.78 0.60 0.54 0.59 0.38 0.31 0.51 0.28 0.25

ClipsNo SWR 0.91 0.80 0.76 0.49 0.32 0.30 0.40 0.24 0.24

SWR 0.68 0.52 0.52 0.45 0.26 0.25 0.36 0.18 0.18

Single WrapsNo SWR 0.89 0.80 0.76 0.45 0.32 0.30 0.36 0.24 0.24

SWR 0.66 0.50 0.50 0.41 0.26 0.25 0.33 0.18 0.18

Double WrapsNo SWR 0.89 0.80 0.76 0.43 0.30 0.29 0.36 0.24 0.24

SWR 0.65 0.50 0.50 0.39 0.26 0.24 0.32 0.18 0.18

Level B

Toe NailsNo SWR 0.78 0.66 0.51 0.56 0.36 0.28 0.53 0.32 0.27

SWR 0.52 0.30 0.23 0.52 0.32 0.24 0.49 0.26 0.22

ClipsNo SWR 0.63 0.50 0.45 0.39 0.20 0.19 0.34 0.18 0.18

SWR 0.36 0.16 0.15 0.35 0.14 0.14 0.30 0.12 0.12


SWR 0.29 0.14 0.14 0.28 0.12 0.12 0.23 0.12 0.12


SWR 0.23 0.12 0.12 0.21 0.12 0.12 0.19 0.10 0.10

Level C

Toe NailsNo SWR 0.78 0.66 0.51 0.56 0.36 0.28 0.53 0.32 0.27

SWR 0.52 0.30 0.22 0.52 0.32 0.24 0.49 0.26 0.22

ClipsNo SWR 0.63 0.50 0.44 0.39 0.20 0.19 0.35 0.18 0.18

SWR 0.35 0.14 0.14 0.35 0.14 0.13 0.30 0.12 0.12


SWR 0.28 0.12 0.12 0.28 0.12 0.12 0.23 0.12 0.12


SWR 0.21 0.10 0.10 0.20 0.10 0.10 0.19 0.10 0.10

FBCEquivalent

Level A

Toe NailsNo SWR 0.67 0.54 0.44 0.58 0.40 0.31 0.51 0.30 0.25

SWR 0.66 0.52 0.43 0.58 0.38 0.30 0.50 0.28 0.25

ClipsNo SWR 0.57 0.44 0.41 0.44 0.26 0.25 0.36 0.20 0.19

SWR 0.56 0.44 0.40 0.44 0.26 0.24 0.35 0.18 0.18


SWR 0.53 0.42 0.40 0.39 0.24 0.23 0.31 0.18 0.18


SWR 0.52 0.42 0.40 0.37 0.26 0.23 0.31 0.18 0.17

Level B

Toe NailsNo SWR 0.49 0.32 0.22 0.51 0.34 0.24 0.48 0.28 0.23

SWR 0.49 0.30 0.21 0.51 0.32 0.23 0.47 0.26 0.22

ClipsNo SWR 0.34 0.16 0.15 0.35 0.16 0.15 0.30 0.14 0.14

SWR 0.33 0.16 0.14 0.34 0.14 0.13 0.29 0.12 0.12


SWR 0.27 0.14 0.13 0.27 0.12 0.12 0.23 0.12 0.12


SWR 0.21 0.12 0.12 0.20 0.12 0.12 0.18 0.10 0.10

Level C

Toe NailsNo SWR 0.49 0.32 0.22 0.51 0.34 0.24 0.48 0.28 0.23

SWR 0.48 0.30 0.21 0.51 0.32 0.23 0.47 0.26 0.22

ClipsNo SWR 0.33 0.16 0.14 0.35 0.16 0.15 0.30 0.14 0.14

SWR 0.32 0.14 0.13 0.33 0.14 0.13 0.29 0.12 0.12


SWR 0.26 0.12 0.12 0.27 0.12 0.12 0.23 0.12 0.12


SWR 0.19 0.10 0.10 0.20 0.10 0.10 0.18 0.10 0.10

Reinforced Concrete Roof Deck 0.18 0.12 0.12 0.18 0.12 0.12 0.18 0.12 0.12

YEAR BUILT ON OR AFTER JAN. 1, 2002

Roof DeckFBC

WINDFBC WIND

DESIGNSec. WaterResistance

Flat Gable Hip


Other

100

≥100 None 0.24 0.16 0.13 0.21 0.16 0.11 0.17 0.12 0.09

SWR 0.22 0.16 0.11 0.19 0.14 0.10 0.16 0.10 0.08

≥110 None 0.19 0.14 0.12 0.17 0.14 0.11 0.14 0.10 0.09

SWR 0.18 0.14 0.11 0.16 0.12 0.10 0.13 0.10 0.08

≥120 None 0.15 0.14 0.12 0.13 0.12 0.11 0.11 0.10 0.09

SWR 0.13 0.13 0.11 0.12 0.12 0.10 0.09 0.09 0.08

110

≥110 None 0.24 0.16 0.14 0.20 0.14 0.12 0.17 0.12 0.10

SWR 0.22 0.16 0.13 0.19 0.14 0.11 0.16 0.12 0.09

≥120 None 0.17 0.16 0.14 0.15 0.14 0.12 0.12 0.12 0.10

SWR 0.16 0.14 0.13 0.14 0.14 0.11 0.11 0.11 0.09

≥120 ≥120 None 0.20 0.18 0.15 0.16 0.14 0.13 0.15 0.14 0.12

SWR 0.18 0.16 0.14 0.15 0.14 0.11 0.14 0.12 0.10

≥120 and WBDR ≥120 None 0.17 0.16 0.13 0.15 0.12 0.11 0.14 0.12 0.11

SWR 0.16 0.14 0.12 0.13 0.12 0.10 0.13 0.10 0.10



09/2012

Loss Mitigation Credits for 5+ units – Multi-Peril – Terrain B(This chart is not applicable for risks located in a building that has 1 to 4 units.)BUILDING TYPE II4 to 6 storiesYEAR BUILT BEFORE JAN. 1, 2002

Wood Deck Metal Deck Reinforced Concrete Deck

Year Built Roof CoverSecondary

WaterResistance


1982 orearlier

Level ANo SWR 1.00 0.94 0.90 0.62 0.46 0.44

SWR 0.82 0.76 0.72 0.36 0.20 0.18 0.32 0.12 0.12

Level BNo SWR 0.74 0.68 0.66 0.40 0.22 0.20

SWR 0.74 0.66 0.64 0.36 0.18 0.18 0.32 0.12 0.12

1983 – 2001

Level ANo SWR 0.86 0.78 0.76 0.64 0.44 0.42

SWR 0.48 0.40 0.38 0.28 0.18 0.16 0.20 0.12 0.10

Level BNo SWR 0.50 0.42 0.40 0.32 0.20 0.20

SWR 0.46 0.36 0.36 0.28 0.18 0.16 0.20 0.12 0.10

Loss Mitigation Credits for 5+ units – Multi-Peril – Terrain B(This chart is not applicable for risks located in a building that has 1 to 4 units.)

BUILDING TYPE III / 7 stories or moreYEAR BUILT BEFORE JAN. 1, 2002

Metal Deck Reinforced Concrete Deck

Year Built Roof CoverSec. WaterResistance


1982 or earlier

Level ANo SWR 1.00 0.66 0.64

SWR 0.66 0.32 0.30 0.54 0.14 0.12

Level BNo SWR 0.72 0.38 0.36

SWR 0.66 0.32 0.30 0.54 0.14 0.12

1983 – 2001

Level ANo SWR 0.90 0.52 0.50

SWR 0.38 0.18 0.16 0.32 0.12 0.10

Level BNo SWR 0.48 0.24 0.24

SWR 0.38 0.18 0.16 0.32 0.12 0.10

YEAR BUILT ON OR AFTER JAN. 1, 2002 Other Roof Deck Reinforced Concrete Deck

FBC WINDSPEED

FBC WINDDESIGN



100

≥100

No SWR 0.78 0.18 0.18

SWR 0.75 0.14 0.14 0.46 0.20 0.20

≥110 No SWR 0.51 0.16 0.16

SWR 0.45 0.12 0.12 0.46 0.20 0.20

≥120 No SWR 0.28 0.16 0.16

SWR 0.22 0.12 0.12 0.46 0.20 0.20

110≥110

No SWR 0.74 0.22 0.22

SWR 0.61 0.16 0.16 0.46 0.20 0.20

≥120 No SWR 0.37 0.22 0.22

SWR 0.30 0.16 0.16 0.46 0.20 0.20

≥120 ≥120 No SWR 0.48 0.32 0.32

SWR 0.38 0.24 0.24 0.46 0.20 0.20

≥120 and WBDR ≥120 No SWR 0.30 0.26 0.26

SWR 0.24 0.18 0.18 0.46 0.12 0.12

YEAR BUILT:ON OR AFTER JAN. 1, 2002

Other Roof Deck Reinforced Concrete Deck

FBC WINDSPEED

FBC WINDDESIGN



100

≥100 No SWR 0.32 0.12 0.12

SWR 0.30 0.10 0.10 0.25 0.12 0.12

≥110

No SWR 0.25 0.12 0.12

SWR 0.23 0.10 0.10 0.25 0.12 0.12

≥120

No SWR 0.16 0.12 0.12

SWR 0.13 0.10 0.10 0.25 0.12 0.12

110≥110

No SWR 0.38 0.16 0.16

SWR 0.34 0.14 0.14 0.25 0.12 0.12

≥120 No SWR 0.22 0.16 0.16

SWR 0.18 0.12 0.12 0.25 0.12 0.12

≥120 ≥120 No SWR 0.30 0.22 0.21

SWR 0.23 0.16 0.15 0.25 0.12 0.12

≥120 and WBDR

≥120 No SWR 0.22 0.20 0.20

SWR 0.16 0.12 0.12 0.25 0.12 0.12


09/2012

Loss Mitigation Credits for 1 to 4 units – Terrain C(This chart is not applicable to renter contents and condominium unit owner in a building with 5 or more units.)

YEAR BUILT BEFORE JANUARY 1, 2002Roof Shape and Opening Protection


Roof CoverRoof Deck

Attachment Roof-Wall ConnectionSec. WaterResistance None Class B Class A None Class B Class A

Non-FBCEquivalent

A.(6d @ 6”/12”)

Toe NailsNo SWR 1.00 0.71 0.61 0.72 0.44 0.36

SWR 0.93 0.62 0.52 0.68 0.38 0.28

ClipsNo SWR 0.82 0.62 0.56 0.56 0.36 0.32

SWR 0.74 0.52 0.46 0.49 0.28 0.24


SWR 0.72 0.51 0.46 0.49 0.28 0.24


SWR 0.72 0.51 0.46 0.49 0.28 0.24

B.(8d @ 6”/12”)

Toe NailsNo SWR 0.91 0.56 0.45 0.71 0.41 0.31

SWR 0.86 0.50 0.39 0.67 0.36 0.26

ClipsNo SWR 0.62 0.37 0.31 0.43 0.27 0.24

SWR 0.56 0.29 0.22 0.35 0.21 0.17


SWR 0.42 0.24 0.20 0.29 0.19 0.17


SWR 0.37 0.21 0.19 0.28 0.18 0.17

C.(8d @ 6”/6”)

Toe NailsNo SWR 0.91 0.55 0.44 0.71 0.41 0.31

SWR 0.86 0.49 0.39 0.67 0.36 0.26

ClipsNo SWR 0.61 0.36 0.29 0.43 0.27 0.24

SWR 0.55 0.29 0.21 0.35 0.21 0.17


SWR 0.40 0.22 0.19 0.27 0.18 0.17


SWR 0.29 0.19 0.17 0.26 0.17 0.16

FBCEquivalent

A.(6d @ 6”/12”)

Toe NailsNo SWR 0.93 0.61 0.51 0.67 0.37 0.27

SWR 0.90 0.58 0.48 0.64 0.35 0.25

ClipsNo SWR 0.72 0.50 0.44 0.47 0.27 0.22

SWR 0.70 0.47 0.42 0.46 0.24 0.20


SWR 0.68 0.46 0.41 0.45 0.24 0.20


SWR 0.67 0.46 0.41 0.45 0.24 0.20

B.(8d @ 6”/12”)

Toe NailsNo SWR 0.85 0.49 0.37 0.65 0.34 0.24

SWR 0.82 0.47 0.36 0.63 0.33 0.22

ClipsNo SWR 0.54 0.29 0.22 0.34 0.19 0.16

SWR 0.52 0.26 0.19 0.32 0.17 0.14


SWR 0.39 0.21 0.17 0.26 0.15 0.14


SWR 0.33 0.18 0.16 0.24 0.14 0.14

C.(8d @ 6”/6”)

Toe NailsNo SWR 0.85 0.49 0.37 0.65 0.34 0.24

SWR 0.82 0.46 0.35 0.63 0.33 0.22

ClipsNo SWR 0.54 0.27 0.20 0.34 0.19 0.16

SWR 0.52 0.26 0.18 0.31 0.17 0.14


SWR 0.37 0.19 0.16 0.24 0.14 0.14


SWR 0.26 0.16 0.14 0.22 0.14 0.13


YEAR BUILT ON OR AFTER JANUARY 1, 2002

Other Roof DeckNo SWR 0.23 0.18 0.18 0.19 0.14 0.14

SWR 0.20 0.16 0.16 0.17 0.14 0.14



09/2012

Loss Mitigation Credits for 5+ units – Terrain C(This chart is not applicable for risks located in a building that has 1 to 4 units.)

BUILDING TYPE I / 3 stories or lessYEAR BUILT BEFORE JAN. 1, 2002

Roof Shape and Opening Protection

Flat Gable Hip

Roof CoverRoof Deck

AttachmentRoof-Wall

Connection

SecondaryWater

Resistance


Non-FBCEquivalent

A.(6d @

6”/12”)

Toe NailsNo SWR 1.00 0.82 0.71 0.81 0.52 0.43 0.76 0.48 0.39

SWR 0.88 0.66 0.56 0.79 0.48 0.39 0.73 0.44 0.34

ClipsNo SWR 0.94 0.76 0.68 0.72 0.40 0.35 0.66 0.34 0.30

SWR 0.82 0.58 0.54 0.69 0.36 0.31 0.63 0.28 0.25


SWR 0.80 0.58 0.53 0.66 0.34 0.30 0.59 0.28 0.24

DoubleWraps

No SWR 0.91 0.76 0.68 0.66 0.38 0.35 0.61 0.34 0.29

SWR 0.79 0.58 0.53 0.63 0.34 0.30 0.58 0.28 0.24

B.(8d @

6”/12”)

Toe NailsNo SWR 0.87 0.64 0.49 0.76 0.46 0.36 0.74 0.46 0.35

SWR 0.73 0.40 0.30 0.73 0.42 0.32 0.71 0.40 0.30

ClipsNo SWR 0.77 0.52 0.41 0.63 0.30 0.23 0.60 0.26 0.23

SWR 0.61 0.26 0.19 0.60 0.24 0.18 0.57 0.18 0.16


SWR 0.57 0.20 0.18 0.56 0.20 0.16 0.51 0.16 0.15

DoubleWraps

No SWR 0.63 0.46 0.39 0.49 0.24 0.22 0.46 0.24 0.21

SWR 0.47 0.18 0.18 0.46 0.16 0.15 0.42 0.16 0.14

C.(8d @ 6”/6”)

Toe NailsNo SWR 0.87 0.64 0.48 0.77 0.46 0.36 0.74 0.46 0.35

SWR 0.73 0.38 0.29 0.74 0.42 0.32 0.71 0.40 0.30

ClipsNo SWR 0.76 0.50 0.39 0.63 0.30 0.23 0.60 0.26 0.22

SWR 0.60 0.24 0.16 0.60 0.24 0.17 0.57 0.18 0.16


SWR 0.56 0.18 0.15 0.56 0.18 0.15 0.51 0.16 0.15

DoubleWraps

No SWR 0.62 0.44 0.37 0.49 0.24 0.20 0.46 0.22 0.20

SWR 0.45 0.14 0.14 0.46 0.14 0.14 0.42 0.14 0.14

FBCEquivalent

A.(6d @

6”/12”)

Toe NailsNo SWR 0.82 0.60 0.49 0.78 0.48 0.39 0.73 0.46 0.34

SWR 0.82 0.60 0.49 0.78 0.48 0.38 0.73 0.44 0.33

ClipsNo SWR 0.75 0.52 0.46 0.68 0.36 0.31 0.63 0.30 0.25

SWR 0.75 0.52 0.46 0.68 0.34 0.30 0.61 0.28 0.23


SWR 0.73 0.52 0.46 0.65 0.34 0.29 0.58 0.28 0.23

DoubleWraps

No SWR 0.72 0.52 0.46 0.63 0.34 0.30 0.57 0.30 0.25

SWR 0.71 0.52 0.46 0.62 0.34 0.29 0.56 0.28 0.23

B.(8d @

6”/12”)

Toe NailsNo SWR 0.72 0.40 0.30 0.73 0.44 0.32 0.71 0.44 0.32

SWR 0.71 0.40 0.28 0.73 0.42 0.31 0.70 0.42 0.30

ClipsNo SWR 0.59 0.26 0.20 0.60 0.26 0.19 0.57 0.22 0.18

SWR 0.58 0.26 0.18 0.59 0.24 0.17 0.56 0.18 0.16


SWR 0.54 0.20 0.17 0.55 0.20 0.16 0.50 0.16 0.15

DoubleWraps

No SWR 0.46 0.20 0.18 0.46 0.18 0.17 0.42 0.18 0.16

SWR 0.45 0.18 0.16 0.45 0.16 0.15 0.41 0.14 0.14

C.(8d @ 6”/6”)

Toe NailsNo SWR 0.71 0.40 0.28 0.73 0.44 0.32 0.71 0.42 0.31

SWR 0.71 0.38 0.27 0.73 0.42 0.31 0.70 0.42 0.30

ClipsNo SWR 0.59 0.26 0.18 0.60 0.26 0.18 0.57 0.20 0.18

SWR 0.58 0.24 0.16 0.59 0.24 0.16 0.56 0.18 0.16


SWR 0.54 0.18 0.15 0.55 0.18 0.15 0.49 0.14 0.14

DoubleWraps

No SWR 0.44 0.18 0.16 0.46 0.18 0.16 0.42 0.16 0.16

SWR 0.43 0.14 0.14 0.44 0.14 0.14 0.41 0.14 0.13


YEAR BUILT ON OR AFTER JAN. 1, 2002

Other Roof DeckNone 0.17 0.16 0.13 0.15 0.12 0.11 0.14 0.12 0.11

SWR 0.16 0.14 0.12 0.13 0.12 0.10 0.13 0.10 0.10



12/2013


BUILDING TYPE II4 to 6 storiesYEAR BUILT BEFORE JAN. 1, 2002

AWood Deck

BMetal Deck

CReinforced Concrete Deck


WaterResistance


1982 or earlier

Level ANo SWR 1.00 0.90 0.86 0.72 0.46 0.44

SWR 0.86 0.74 0.72 0.52 0.24 0.22 0.46 0.14 0.14

Level BNo SWR 0.82 0.68 0.66 0.54 0.28 0.26

SWR 0.80 0.68 0.66 0.52 0.22 0.22 0.46 0.14 0.14

1983 – 2001

Level ANo SWR 0.96 0.76 0.74 0.72 0.44 0.42

SWR 0.60 0.40 0.38 0.42 0.22 0.22 0.30 0.12 0.12

Level BNo SWR 0.66 0.46 0.44 0.46 0.26 0.26

SWR 0.60 0.40 0.38 0.42 0.22 0.22 0.30 0.12 0.12

BUILT ON OR AFTER JAN. 1, 2002 Other Roof Deck Reinforced Concrete Deck

LocationSecondary

WaterResistance


Rest of FloridaNo SWR 0.24 0.20 0.20

SWR 0.18 0.14 0.25 0.12 0.12

Broward or Dade CountyNo SWR 0.23

SWR 0.17 0.17


BUILDING TYPE III7 stories or moreYEAR BUILT BEFORE JAN. 1, 2002

BMetal Deck

CReinforced Concrete Deck


WaterResistance


1982 or earlier

Level ANo SWR 1.00 0.58 0.56

SWR 0.78 0.34 0.34 0.66 0.16 0.14

Level BNo SWR 0.82 0.40 0.38

SWR 0.78 0.34 0.32 0.66 0.16 0.14

1983 – 2001

Level ANo SWR 0.94 0.44 0.42

SWR 0.58 0.20 0.18 0.52 0.14 0.12

Level BNo SWR 0.66 0.26 0.26

SWR 0.58 0.20 0.18 0.52 0.14 0.12

BUILT ON OR AFTER JAN. 1, 2002 Other Roof Deck Reinforced Concrete Deck

LocationSecondary

WaterResistance


Rest of FloridaNo SWR 0.32 0.24 0.24

SWR 0.26 0.18 0.18 0.46 0.12 0.12

Broward or Dade CountyNo SWR 0.34

SWR 0.26 0.23


09/2012

602. BUILDING CODE COMPLIANCE (BCEGS)

Note: Not applicable when the peril of Windstorm or Hail is excluded.

A. General

1. The Building Code Effectiveness Grading Schedule (BCEGS) develops a grade of “1” to “10” for acommunity based on the adequacy of its building code and the effectiveness of its enforcementof that code. Policies which cover the perils of Windstorm or Hail may be eligible for specialrating treatment, subject to the criteria in the following paragraphs.

2. In some communities, two BCEGS grades may be assigned. One grade will apply to one and twofamily dwelling buildings and/or personal Property contained in such buildings. The other gradewill apply to all other buildings occupied for residential, commercial and/or manufacturingpurposes including personal and business property contained therein.

3. A Building Code Compliance rating factor does not apply when the peril of Windstorm of Hail isexcluded from the policy.

B. Community Grading

1. The BCEGS grade applies to any building that has an original certificate of occupancy/completiondated in the year of the effective date of the community grading, or later.

2. If a community is re-graded, the factor for the revised grade applies to buildings that have anoriginal certificate of occupancy dated the year of the revised grading, or later.

3. If, due to an addition or alteration, the original building is changed to comply with the latestbuilding code, the factor for the community grading applicable at the time the reconstruction iscompleted will apply to such building.

4. Communities that decline to participate in the BCEGS Program will be identified as notparticipating and will receive a premium surcharge, unless they qualify for Individual Grading.This surcharge will apply to any building that has an original certificate of occupancy dated in theyear of the effective date of the community evaluation that indicates the community as notparticipating.

C. Individual Grading

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

Any building may be classified as Grade one “1” for Windstorm/Hail upon certification by a Floridalicensed architect or structural engineer, based on an on-site inspection, that such building is incompliance with one of the three nationally recognized building codes with respect to mitigation ofthe Windstorm and/or Hail hazard. This classification is effective only from the date of thecertification.

Any costs associated with this provision are to be paid by the insured.

Note: Submit “Individual Property Certification” Form HPC 95.

D. Ungraded and Non-Participating Risks

Buildings which do not qualify for Community or Individual Grading are classified as ungraded ornon-participating risks. Do not classify as Grade “10”.

E. Premium Computation

Compute the premium as follows:

1. Select the Building Code Compliance rate factor from the applicable rate table below.


09/2012

2. Apply the rate factor to the INDIVIDUAL PERIL PREMIUM calculation described in the Total PolicyPremium Calculation rule.

Note: The Building Code Compliance rate factor is only applicable to the Hurricane and Other WindINDIVIDUAL PERIL PREMIUMS.

(See Building Code Compliance Rating Factors on the next page.)


09/2012

BUILDING CODE COMPLIANCE FACTORS – HPC HO-3

Territory Group 1047

Territory Group 5007, 032, 035, 040, 090, 192, 193, 292, 293, 392, 393, 492, 493,593, 692, 693, 722, 792, 793, 892, 893, 921, 922, 923, 931, 932,

933, 934, 992, 993

Territory Group 2039

Territory Group 6034, 037

Territory Group 3005, 041, 042, 046, 057, 062, 063, 064, 080, 159, 181, 182, 183,531, 532, 533, 541, 542, 551, 552, 553, 554, 555, 561, 562, 581,582, 583, 591, 592, 594, 595, 596, 601, 602, 603, 604, 605, 606,607, 608, 609, 701, 702, 711, 712, 713, 714, 715, 721, 723, 724,

725, 726, 731, 732, 733, 734, 735, 736, 737

Territory Group 7033, 049, 081

Territory Group 4010, 030, 031, 038, 043, 050, 361, 362


GRADE 1 2 3 4 5 6 7 8 9 10CommunityGrade Code

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) UngradedNon-

ParticipatingIndividual

Grade Code(11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (99) (98)

TerritoryGroup

1 0.868 0.868 0.868 0.924 0.924 0.924 0.924 0.981 0.981 1.000 1.000 1.019

2 0.873 0.873 0.873 0.924 0.924 0.924 0.924 0.974 0.974 1.000 1.000 1.019

3 0.901 0.901 0.901 0.942 0.942 0.942 0.942 0.978 0.978 1.000 1.000 1.019

4 0.914 0.914 0.914 0.950 0.950 0.950 0.950 0.980 0.980 1.000 1.000 1.019

5 0.921 0.921 0.921 0.953 0.953 0.953 0.953 0.983 0.983 1.000 1.000 1.019

6 0.931 0.931 0.931 0.962 0.962 0.962 0.962 0.987 0.987 1.000 1.000 1.019

7 0.941 0.941 0.941 0.962 0.962 0.962 0.962 0.980 0.980 1.000 1.000 1.019

8 0.949 0.949 0.949 0.965 0.965 0.965 0.965 0.983 0.983 1.000 1.000 1.019

BUILDING CODE COMPLIANCE FACTORS – HPC HO-6

Territory Group 1049, 081, 090, 192, 193, 292, 293, 392, 393, 492, 493, 593, 692, 693,722, 792, 793, 892, 893, 921, 922, 923, 931, 932, 933, 934, 992, 993

Territory Group 6032, 043, 057, 062, 063, 064, 159, 532, 533, 541, 542, 551, 552, 553,555, 561, 562, 581, 582, 583, 591, 592, 594, 595, 596, 601, 602, 603,

605, 606, 607, 608, 609, 701



Territory Group 3039, 511, 512, 531, 554, 604, 702, 711, 712, 713, 714, 715, 721, 723,

724, 725, 726, 731, 732, 733, 734, 735, 736, 737

Territory Group 8034, 035, 037, 361, 362



Territory Group 5010, 042, 080, 181, 182, 183

GRADE 1 2 3 4 5 6 7 8 9 10CommunityGrade Code

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) UngradedNon-

ParticipatingIndividual

Grade Code(11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (99) (98)

TerritoryGroup

1 0.539 0.539 0.539 0.754 0.754 0.754 0.754 0.877 0.877 1.000 1.000 1.031

2 0.675 0.675 0.675 0.819 0.819 0.819 0.819 0.919 0.919 1.000 1.000 1.031

3 0.776 0.776 0.776 0.875 0.875 0.875 0.875 0.956 0.956 1.000 1.000 1.031

4 0.818 0.818 0.818 0.900 0.900 0.900 0.900 0.961 0.961 1.000 1.000 1.031

5 0.850 0.850 0.850 0.913 0.913 0.913 0.913 0.971 0.971 1.000 1.000 1.031

6 0.863 0.863 0.863 0.918 0.918 0.918 0.918 0.973 0.973 1.000 1.000 1.031

7 0.905 0.905 0.905 0.951 0.951 0.951 0.951 0.983 0.983 1.000 1.000 1.031

8 0.923 0.923 0.923 0.959 0.959 0.959 0.959 0.983 0.983 1.000 1.000 1.031

9 0.941 0.941 0.941 0.964 0.964 0.964 0.964 0.986 0.986 1.000 1.000 1.031


09/2012

701. SINKHOLE LOSS COVERAGE - FORM HPC HO-3

A. For replacement policies issued to policyholders assumed from Citizens Property InsuranceCorporation, sinkhole coverage will be endorsed to the Company’s replacement policy and theapplicable premium will apply if the assumed Citizens policy provided sinkhole loss coverage. If theassumed Citizens policy did not provide sinkhole loss coverage, the Company’s replacement policywill provide catastrophic ground cover collapse coverage but will not provide sinkhole loss coverage.Sinkhole coverage is included in the HPC HO-6 base policy and cannot be excluded.

B. An assumed policyholder with sinkhole loss coverage from Citizens may request to exclude suchcoverage at the inception of the Company’s policy or at any subsequent renewal date. An assumedpolicyholder without sinkhole loss coverage from Citizens may request to purchase such coverage atany subsequent renewal date, subject to appropriate underwriting review and Section C. of this rule.No mid-term endorsements are acceptable. Use Endorsement HPC – 23 94 – Sinkhole Loss Coverage– Section I Property Coverage.

C. Renewal Endorsement Requirements

1. To remove sinkhole loss coverage, the Sinkhole Loss Coverage Selection / Rejection Form – HPCSLC-R must be complete and submitted to Heritage.

2. To add sinkhole loss coverage, the Sinkhole Loss Coverage Selection / Rejection Form – HPC SLC-R must be completed and submitted to Heritage at least 90 days in advance of the policy’srenewal date. An approved structural inspection must be completed no more than 45 days priorto the submission of the change request. The inspection shall document existing damage,evaluate the structural integrity of the dwelling and verify that there is no current or proximatesinkhole activity that has not been disclosed.

3. An “Approved” inspection service is one who has been designated by Heritage as competent toperform the evaluation and whose report format meets Heritage’s informational requirements.The policyholder will contract directly with the Approved inspection service and pay Heritage’spre-arranged fee. Heritage and the policyholder will receive a copy of the completed inspection.The inspection fee is not refundable whether or not the dwelling is deemed acceptable forsinkhole coverage by Heritage.

4. An inspection from an inspection service who has not been designated by Heritage as“Approved” may be submitted by the policyholder for consideration in lieu of an “Approved”inspection. This inspection must be completed by a professional engineer, a professionalgeologist, a geotechnical engineer, or other individual or entity recognized by Heritage aspossessing the necessary qualifications to properly complete the inspection. The inspection mustmeet all the requirements specified in Section C.2. The policyholder is responsible for all costsassociated with this inspection.

D. Upon receipt of the inspection, Heritage will review and either deny or approve sinkhole, losscoverage. If the inspection shows sinkhole damage, structural issues and / or prior or currentsinkhole activity, sinkhole loss coverage will be declined. In certain circumstances, our review of thesinkhole inspection may result in Heritage ordering a separate property inspection, at our expense,to determine insurability.

E. Sinkhole Loss Coverage Premium Determination

1. Coverage Premium

Determine the Sinkhole INDIVIDUAL PERIL PREMIUM by multiplying the sinkhole base rate bythe applicable rating factors. This process is described in the Total Policy Premium Calculationrule.


09/2012

When Sinkhole coverage is not selected, the Sinkhole individual peril base rate and individualperil rating factors are not applicable.

2. Deductible Premium

The 10% sinkhole deductible will apply to the Sinkhole Loss Coverage endorsement. Apply therate factor below to the Sinkhole INDIVIDUAL PERIL PREMIUM calculation.

Mandatory 10% Sinkhole Deductible

Peril Insured Against 10% Sinkhole Deductible Factor

Sinkhole 0.900

801. LIMITED FUNGI, WET OR DRY ROT, YEAST OR BACTERIA COVERAGE OPTIONS

A. Section I – Property

1. Property Coverage Description And Application Of Limits Of Liability

a. Basic LimitThe policy provides up to $10,000 of coverage to pay for loss to covered real or personalproperty, owned by an insured, that is damaged by fungi, wet or dry rot, yeast or bacteria onthe “residence premises”.$10,000 is the most coverage that will be provided for the total of all loss which occurs duringthe policy period regardless of the number of locations insured for Limited Fungi, Wet or DryRot, Yeast or Bacteria Coverage or the number of claims made.

b. Increased LimitThe basic limit may be increased, subject to appropriate underwriting and inspection, to$25,000 or $50,000 on a per loss basis. These increased limits are available, provided theCoverage A (HPC HO-3), or Coverage A and C combined (HPC HO-6) limit of liability exceedsor is equal to the increased limit requested. These limits are offered for all new policies andat renewal for existing policies. Mid-term endorsements are not accepted.With respect to either increased limit option, $50,000 is the most coverage that will beprovided for the total of all loss which occurs during the policy period regardless of thenumber of locations insured for Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage orthe number of claims made.

c. EndorsementFor increased limits, use Endorsement HPC 03 33 - Fungi, Wet or Dry Rot, Yeast or BacteriaIncreased Amount of Section I – Property Coverage. Enter the selected limit on theapplication or endorsement.

2. Premium Computation

a. Basic LimitThere is no premium adjustment.

b. Increased LimitIf increased limits of $25,000 or $50,000 are selected, apply the following correspondingpremium to the ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS premiumcalculation described in the Total Policy Premium Calculation rule.$25,000 - $45 policy charge$50,000 - $72 policy charge

B. Section II – Liability

1. Liability Coverage Description And Application Of Limits Of Liability

a. Basic LimitThe policy provides up to $50,000 of coverage to pay for damages because of bodily injury orproperty damage involving the inhalation of, ingestion of, contact with, exposure to,


09/2012

existence of, or presence of any fungi, wet or dry rot, yeast or bacteria.b. Increased Limit

The $50,000 limit may be increased to $100,000. This limit is offered for all new policies andat renewal for existing policies. Mid-term endorsements are not accepted.The aggregate limit selected is the most coverage that will be provided during the policyperiod regardless of the number of persons injured, the number of persons whose property isdamaged, the number of insureds, the number of locations insured under this policy or thenumber of bodily injury or property damage claims made. Enter the selected limit on theapplication or endorsement.

c. EndorsementUse endorsement HPC 03 34 - Fungi, Wet or Dry Rot, Yeast or Bacteria Increased Amount ofSection II - Liability Coverage. This endorsement provides complete details on coverages,limitations, definitions and additional policy conditions applicable to this coverage.

2. Premium Computation- Section II

a. Basic LimitThere is no premium adjustment.

b. Increased Limit$100,000 - $6 policy chargeApply this premium to the ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTSpremium calculation described in the Total Policy Premium Calculation rule.

802. PERMITTED INCIDENTAL OCCUPANCIES - RESIDENCE PREMISES

A. Coverage for a permitted incidental occupancy is limited under Section I and excluded under SectionII. The policy may be endorsed to provide expanded Section I coverage and Section II coverage on apermitted incidental occupancy in the dwelling or in another structure on the residence premises.

Use Endorsement HO 04 42 - Permitted Incidental Occupancies - Residential Premises, for Sections Iand II Coverage.

B. Permitted Incidental Occupancies

Examples of such occupancies are offices, schools or studios meaning offices for business orprofessional purposes, and private schools or studios for music, dance, photography and otherinstructional purposes.

C. If the permitted incidental occupancy is located in another structure, Coverage B does not apply tothat structure unless specific insurance coverage for that structure is added. See E. below for thecharge for specific insurance on the structure.

Note: Not applicable when Coverage B is excluded.

D. The permitted incidental occupancies endorsement also covers personal property pertaining to thepermitted incidental occupancy within the Coverage C limits stated in the Declarations.

E. Premium

Section I - Property

1. If the permitted incidental occupancy is located in the dwelling, no additional charge is made.

2. If the permitted incidental occupancy is in another structure, charge $6 per $1,000 of SpecificOther Structures coverage.

3. Apply this premium to the ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS premiumcalculation described in the Total Policy Premium Calculation rule.


09/2012

Section II - Liability

The policy may be endorsed to provide coverage for the increased exposure arising from a permittedincidental occupancy on the residence premises. Use Endorsement HO 04 42 - Permitted IncidentalOccupancies - Residence Premises.

1. Charge a flat $18 for the residence premises.

2. Apply this premium to the ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS premiumcalculation described in the Total Policy Premium Calculation rule.

810. LOSS ASSESSMENT COVERAGE – RESIDENCE PREMISES

Residence Premises

The policy automatically provides at no additional charge, $1,000 of loss assessment coverage, excludingearthquake, for assessments relating to the residence premises; subject to the coverage and perilsinsured against in each policy type.

The HPC HO-3 limit may be increased if no association losses have occurred to which this coverage mayapply.

The HPC HO-6 loss assessment minimum limit must be $2,000.

The second $1,000 of the $2,000 limit is provided by application of the “$2,000 Premium” chargeindicated in the table below.

An increased limit of $3,000 is available for HPC HO-3 and HPC HO-6. The limit may only be increased to$3,000 if no association losses have occurred to which this coverage may apply.

Use Endorsement HPC 16 – Increased Loss Assessment Coverage.

Refer to the Premium Table shown below for increased limits premium. Apply this premium to theADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS premium calculation described in the TotalPolicy Premium Calculation rule.

Territory$1,000 $2,000 $3,000

Premium Premium Premium

005 Included 8.00 15.00

007, 031 Included 7.00 14.00

030, 032, 033, 034 Included 7.00 13.00

035, 361, 362 Included 6.00 12.00

037 Included 6.00 11.00

038 Included 5.00 11.00

010, 181, 182, 183 Included 5.00 10.00

042, 080, 081 Included 5.00 9.00

041, 046, 047, 057, 062, 159, 531, 532, 533, 541,542, 551, 552, 553,554, 555, 561,562, 581, 582, 583, 591,592, 594, 595, 596, 601, 602, Included 4.00 9.00603-609, 701, 702, 711-715, 721-726, 731-737

039, 040, 043, 049, 050, 063, 064, 090, 192, 193, 292, 293, 392, 393,492, 493, 511, 512, 593, 692, 693, 792, 793, 892, 893, 921, 922, 923, Included 4.00 8.00931, 932, 933, 934, 992, 993

820. COVERAGE A DWELLING - SPECIAL COVERAGE - FORM HPC HO-6

The Section I Perils Insured Against may be broadened to cover additional risks of loss. The additionalpremium is developed as follows:

A. Charge per policy for $1,000 in basic form: $2

B. Rate for each additional $1,000 for Coverage A: $1

C. Apply the combined premium result from steps A and B above to the ADDITIONAL COVERAGEOPTIONS AND ENDORSEMENTS premium calculation described in the Total Policy PremiumCalculation rule.

Use Endorsement HPC 17 32 - Unit-Owners Coverage A - Special Coverage.


09/2012

830. COVERAGE A LIMIT OF LIABILITY (ADDITIONS & ALTERATIONS) BASIC AND INCREASED LIMITSAND ORDINANCE OR LAW – FORM HPC HO-6

A. Basic Limits, Coverage A

The policy automatically provides a basic Coverage A Additions & Alterations limit of $1,000 on anamed perils basis and provides up to 25% of the Coverage A limit of liability to pay costs necessaryto comply with the enforcement of an ordinance or law. The Coverage A limit may be increased.

B. Increased Limits, Coverage A

The basic Coverage A limit may be increased to provide additional limits of insurance. IncreasedCoverage A limits are available with a basic (25%) or increased (50%) ordinance or law limit ofliability.

C. Premium Determination

1. Condo Increased Coverage A (with basic ordinance or law limit of liability of 25%):

Step 1a. Multiply the “Theft” Base Rate by the territory factors, protection / construction factors, and

the wind mitigation factors used to determine the Individual Peril Premium.b. Multiply the “All Other Perils” Base Rate by the territory factors, protection / construction

factors, and the wind mitigation factors used to determine the Individual Peril Premium.c. Multiply the “Hurricane” Base Rate by the territory factors, protection / construction factors,

and the wind mitigation factors used to determine the Individual Peril Premium.d. Multiply the “Other Wind” Base Rate by the territory factors, protection / construction

factors, and the wind mitigation factors used to determine the Individual Peril Premium.e. Sum the results from a. through d. above.f. Multiply the results from step e. by 0.040.Step 2a. Subtract 1,000 from the total desired Coverage A amount.b. Divide the result by 1,000.Step 3Multiply the result of Step 1 by the result of Step 2. Apply the result to the ADDITIONALCOVERAGE OPTIONS AND ENDORSEMENTS premium calculation described in the Total PolicyPremium Calculation rule.

2. Condo Increased Coverage A (with increased limit ordinance or law limit of liability of 50%):

Follow the steps above for calculating Condo Increased Coverage A with basic ordinance or lawlimit of 25%, substituting a factor of 0.045 instead of 0.040 in step 1.f.

840. UNITS REGULARLY RENTED TO OTHERS - FORM HPC HO-6

A. Form HPC HO-6 provides exclusions for Coverage C - Personal Property and Section II Liability whenthe residence premises is regularly rented or held for rental to others. The policy may be endorsed,however, to eliminate these exclusions.

B. The Coverage C minimum limit of liability is $6,000.

C. The additional premium is developed by multiplying the BASE PREMIUM by 0.25 and rounding theproduct to the nearest whole dollar.

D. Apply this premium to the ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS premiumcalculation described in the Total Policy Premium Calculation rule.

Use Endorsement HPC 17 33 - Unit-Owners Rental to Others.


11/2013

850. IDENTITY THEFT EXPENSE AND RESOLUTION SERVICES COVERAGE / HPC 09 IDT

A. The policy may be endorsed, for an additional premium, to provide coverage for loss that resultsfrom the act of Identity Theft or Identity Fraud. The endorsement provides coverage for:

1. Identity Theft Expenses: Pays up to $25,000 for expenses incurred by an insured as the directresult of identity theft.

2. Resolution: Access to resolution services from a consumer fraud specialist to assist in the processto restore identity.

B. By endorsement, coverage is extended to the policyholder, spouse, domestic partner, children livingat home (up to age 21 or full time student up to age 26), and grandparents living at the insuredpremises.

C. Additional Premium: $25

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

860. PLATINUM PREFERRED (REPAIR PROGRAM – COMPANY OPTION) / HPCHO3 PPS & HPCHO6 PPS

A. The policy may be endorsed at the option of the policyholder. If selected, the endorsement will allowthe Company the option to select an appropriately licensed or qualified contractor to repairdamaged property as provided by the policy, if the Company so elects.

B. If the endorsement is added, the policyholder’s deductible obligation at loss settlement in the eventof 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 underthe policy. The credit will apply only when the amount of a covered loss exceeds the applicabledeductible.

C. The Company may pay the amount of the deductible credit directly to the selected contractor onbehalf of the policyholder. The policyholder remains responsible for the balance of the deductible. Ifthe Company does not select the contractor for a covered loss to which the credit applies, theCompany will pay the amount of the credit (i) to the contractor if the covered property is repairedunder the terms of the policy, or otherwise (ii) to the insured (and mortgage company, if applicable).

D. Upon prior written notice to the Company, the endorsement maybe removed from the policy as ofthe next succeeding policy renewal date.

870. SCREEN ENCLOSURE

A. The policy excludes coverage for screen enclosures and pool cages.

B. Screen Enclosure coverage for All Other Perils is provided by use of endorsement HPCHO SCR AOPwith an appropriate increase in Coverage A or B.

C. Screen Enclosure coverage for All Other Perils and Hurricane may be purchased for an additionalpremium. Limits may be purchased in amounts of $5,000, $10,000, $15,000, $20,000 and $25,000.The Screen Enclosure limit selected is additional insurance. For hurricane loss, the policy hurricanedeductible applies. Use endorsement HPCHO SCR HUR.


11/2013

D. Premium:

900. CAPPING RULE

For policies with an effective date of 8/28/2013 or later, the renewal total policy premium will be

subject to the following capping rule:

For HO3 policies, the renewal total policy premium will be capped on the upside at 110% of the

premium for the expiring policy, and on the downside at 108% of the premium for the expiring

policy.

For HO6 policies, the renewal total policy premium will be capped on the upside at 110% of the

premium for the expiring policy, and on the downside at 80% of the premium for the expiring

policy.

When applying the capping rule, the premium for the expiring policy will be recalculated to be

consistent with the policy characteristics associated with the new policy term.

901. MANDATORY ADDITIONAL CHARGES

A. Emergency Management Preparedness and Assistance Trust Fund

A fully earned annual surcharge of two (2) dollars will be imposed on every policy as required byFlorida Law.

B. Managing General Agency Fee

Pursuant to the provisions of Section 626.7451, Florida Statutes the Company’s Managing Agent asdefined in Section 626.091, Florida Statutes will charge a $25 policy fee on each new and renewalpolicy. The policy fee shall be a component of the Company’s Rate Filing and shall be fully earned.

C. Other Surcharges and Assessments

Other surcharges and assessments may be levied in accordance with state statute or an Office ofInsurance Regulation rule. These charges and the corresponding calculations will be disclosed on thePremium Calculation Worksheet if they are applicable.

Note: The premium for any of the “Mandatory Additional Charges” is not commissionable.

LIMIT COASTAL COUNTIES INLAND COUNTIES

$5,000 $200 $100

$10,000 $400 $200

$15,000 $600 $300

$20,000 $800 $400

$25,000 $1,000 $500


10/2013

905. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / TERRITORY RELATIVITIES

HPC HO-3 HOMEOWNERS RATES & RELATIVITIES

TERRITORY RELATIVITIES

Territory Fire WaterLiability /Medical

All OtherPerils

Sinkhole Hurricane Other Wind

5 Monroe, Excl. Key West 0.607 0.607 0.607 0.607 0.742 1.433 1.433

7 Monroe, Key West 0.544 0.544 0.544 0.544 0.732 1.468 1.468

10 Martin, Remainder 0.271 0.271 0.271 0.271 0.823 1.165 1.165

30 Dade, Miami Beach 0.611 0.611 0.611 0.611 0.643 1.592 1.592

31 Dade, Coastal 0.584 0.584 0.584 0.584 0.599 1.513 1.513

32 Dade, Miami 0.741 0.741 0.741 0.741 1.130 0.929 0.929

33 Dade, Hialeah 0.753 0.753 0.753 0.753 1.254 0.687 0.687

34 Dade, Remainder 0.782 0.782 0.782 0.782 1.057 0.782 0.782

35 Broward, Ft. Laud. & Hollywood 0.453 0.453 0.453 0.453 1.028 0.947 0.947

37 Broward, Remainder 0.430 0.430 0.430 0.430 0.963 0.746 0.746

38 Palm Beach, Remainder 0.216 0.216 0.216 0.216 0.943 1.031 1.031

39 Duval, Jacksonville 0.273 0.273 0.273 0.273 0.835 0.076 0.076

40 Duval, Remainder 0.276 0.276 0.276 0.276 0.716 0.075 0.075

41 Duval, Coastal 0.245 0.245 0.245 0.245 0.667 0.126 0.126

42 Pinellas, Coastal 0.253 0.253 0.253 0.253 1.523 0.574 0.574

43 Escambia, Remainder 0.296 0.296 0.296 0.296 0.899 0.414 0.414

46 Pinellas, Saint Petersburg 0.159 0.159 0.159 0.159 4.292 0.437 0.437

47 Hillsborough, Tampa 0.192 0.192 0.192 0.192 10.849 0.291 0.291

49 Orange, Orlando 0.329 0.329 0.329 0.329 0.883 0.193 0.193

50 Polk 0.464 0.464 0.464 0.464 0.997 0.195 0.195

57 Brevard, Coastal 0.265 0.265 0.265 0.265 0.775 0.560 0.560

62 Volusia, Coastal 0.271 0.271 0.271 0.271 0.851 0.412 0.412

63 Volusia, Remainder 0.233 0.233 0.233 0.233 0.860 0.175 0.175

64 Brevard, Remainder 0.259 0.259 0.259 0.259 0.942 0.336 0.336

80 Hillsborough, Excl. Tampa 0.263 0.263 0.263 0.263 10.330 0.218 0.218

81 Pinellas, Rem. Excl. Saint Pete. 0.178 0.178 0.178 0.178 10.757 0.384 0.384

90 Orange, Excl. Orlando 0.331 0.331 0.331 0.331 0.868 0.182 0.182

159 Hernando, Coastal 0.163 0.163 0.163 0.163 41.834 0.178 0.178

181 Indian River, Coastal 0.543 0.543 0.543 0.543 0.511 0.992 0.992

182 Martin, Coastal 0.238 0.238 0.238 0.238 0.384 1.213 1.213

183 St. Lucie, Coastal 0.603 0.603 0.603 0.603 0.931 1.346 1.346

192 Alachua 0.298 0.298 0.298 0.298 1.851 0.078 0.078

193 Calhoun 0.302 0.302 0.302 0.302 0.661 0.098 0.098

292 Baker 0.316 0.316 0.316 0.316 0.772 0.092 0.092

293 Columbia 0.383 0.383 0.383 0.383 0.677 0.092 0.092

361 Broward, Coastal 0.393 0.393 0.393 0.393 0.689 1.281 1.281

362 Palm Beach, Coastal 0.345 0.345 0.345 0.345 0.582 1.011 1.011

392 Bradford 0.334 0.334 0.334 0.334 0.702 0.092 0.092

393 Gadsden 0.216 0.216 0.216 0.216 0.898 0.079 0.079

492 Clay 0.241 0.241 0.241 0.241 0.732 0.084 0.084

493 Hamilton 0.343 0.343 0.343 0.343 1.024 0.100 0.100

511 Osceola 0.328 0.328 0.328 0.328 0.861 0.154 0.154

512 Seminole 0.325 0.325 0.325 0.325 0.782 0.159 0.159

531 Flagler, Coastal 0.268 0.268 0.268 0.268 0.641 0.310 0.310

532 Nassau, Coastal 0.284 0.284 0.284 0.284 0.737 0.145 0.145

533 St. Johns, Coastal 0.248 0.248 0.248 0.248 0.610 0.195 0.195

541 Collier, Coastal 0.413 0.413 0.413 0.413 0.601 0.947 0.947

542 Lee, Coastal 0.266 0.266 0.266 0.266 0.710 0.672 0.672

551 Collier, Remainder 0.483 0.483 0.483 0.483 0.809 0.552 0.552

552 Glades 0.298 0.298 0.298 0.298 1.163 0.264 0.264

553 Hendry 0.355 0.355 0.355 0.355 0.777 0.336 0.336

554 Lee, Remainder 0.365 0.365 0.365 0.365 0.873 0.447 0.447

555 Okeechobee 0.381 0.381 0.381 0.381 0.755 0.268 0.268

561 Indian River, Remainder 0.309 0.309 0.309 0.309 0.905 0.741 0.741

562 St. Lucie, Remainder 0.350 0.350 0.350 0.350 1.047 0.736 0.736

581 Charlotte, Coastal 0.288 0.288 0.288 0.288 0.821 0.462 0.462

582 Manatee, Coastal 0.332 0.332 0.332 0.332 0.722 0.563 0.563

583 Sarasota, Coastal 0.277 0.277 0.277 0.277 0.807 0.526 0.526

591 Citrus, Coastal 0.267 0.267 0.267 0.267 1.537 0.221 0.221

592 Dixie, Coastal 0.318 0.318 0.318 0.318 0.744 0.173 0.173

593 Holmes 0.242 0.242 0.242 0.242 0.738 0.087 0.087

594 Levy, Coastal 0.315 0.315 0.315 0.315 0.812 0.144 0.144


10/2013


TERRITORY RELATIVITIES

Territory Fire WaterLiability /Medical

All OtherPerils


595 Pasco, Coastal 0.213 0.213 0.213 0.213 60.923 0.249 0.249

596 Taylor, Coastal 0.289 0.289 0.289 0.289 4.892 0.179 0.179

601 Bay, Coastal 0.415 0.415 0.415 0.415 0.988 0.563 0.563

602 Escambia, Coastal 0.450 0.450 0.450 0.450 0.475 0.690 0.690

603 Franklin 0.517 0.517 0.517 0.517 0.725 0.545 0.545

604 Gulf, Coastal 0.498 0.498 0.498 0.498 0.922 0.571 0.571

605 Jefferson, Coastal 0.390 0.390 0.390 0.390 1.000 0.224 0.224

606 Okaloosa, Coastal 0.340 0.340 0.340 0.340 0.648 0.792 0.792

607 Santa Rosa, Coastal 0.499 0.499 0.499 0.499 0.898 0.761 0.761

608 Wakulla, Coastal 0.337 0.337 0.337 0.337 0.811 0.262 0.262

609 Walton, Coastal 0.439 0.439 0.439 0.439 0.588 0.642 0.642

692 Lake 0.301 0.301 0.301 0.301 5.662 0.125 0.125

693 Jackson 0.249 0.249 0.249 0.249 0.810 0.083 0.083

701 Flagler, Remainder 0.330 0.330 0.330 0.330 0.682 0.132 0.132

702 St. Johns, Remainder 0.191 0.191 0.191 0.191 0.710 0.135 0.135

711 Charlotte, Remainder 0.298 0.298 0.298 0.298 0.845 0.450 0.450

712 Desoto 0.329 0.329 0.329 0.329 0.788 0.286 0.286

713 Hardee 0.375 0.375 0.375 0.375 0.873 0.201 0.201

714 Highlands 0.358 0.358 0.358 0.358 0.855 0.218 0.218

715 Sarasota, Remainder 0.259 0.259 0.259 0.259 0.879 0.333 0.333

721 Bay, Remainder 0.316 0.316 0.316 0.316 0.849 0.279 0.279

722 Gulf, Remainder 0.391 0.391 0.391 0.391 0.605 0.252 0.252

723 Okaloosa, Remainder 0.301 0.301 0.301 0.301 0.930 0.543 0.543

724 Santa Rosa, Remainder 0.269 0.269 0.269 0.269 0.764 0.548 0.548

725 Wakulla, Remainder 0.354 0.354 0.354 0.354 0.867 0.146 0.146

726 Walton, Remainder 0.337 0.337 0.337 0.337 0.707 0.300 0.300

731 Citrus, Remainder 0.277 0.277 0.277 0.277 9.787 0.165 0.165

732 Dixie, Remainder 0.281 0.281 0.281 0.281 0.868 0.148 0.148

733 Hernando, Remainder 0.188 0.188 0.188 0.188 54.760 0.139 0.139

734 Levy, Remainder 0.539 0.539 0.539 0.539 0.819 0.039 0.039

735 Manatee, Remainder 0.234 0.234 0.234 0.234 0.871 0.340 0.340

736 Pasco, Remainder 0.205 0.205 0.205 0.205 62.934 0.235 0.235

737 Taylor, Remainder 0.281 0.281 0.281 0.281 0.953 0.149 0.149

792 Marion 0.320 0.320 0.320 0.320 1.710 0.134 0.134

793 Jefferson, Remainder 0.303 0.303 0.303 0.303 0.689 0.107 0.107

892 Nassau, Remainder 0.307 0.307 0.307 0.307 0.701 0.081 0.081

893 Lafayette 0.346 0.346 0.346 0.346 0.874 0.090 0.090

921 Sumter 0.341 0.341 0.341 0.341 0.765 0.134 0.134

922 Union 0.339 0.339 0.339 0.339 0.775 0.090 0.090

923 Gilchrist 0.326 0.326 0.326 0.326 0.738 0.086 0.086

931 Liberty 0.344 0.344 0.344 0.344 0.558 0.109 0.109

932 Madison 0.341 0.341 0.341 0.341 0.838 0.086 0.086

933 Suwanee 0.449 0.449 0.449 0.449 0.600 0.092 0.092

934 Washington 0.339 0.339 0.339 0.339 0.773 0.114 0.114

992 Putnam 0.254 0.254 0.254 0.254 0.775 0.079 0.079

993 Leon 0.231 0.231 0.231 0.231 0.840 0.075 0.075


10/2013

910. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / COVERAGE A RATE FACTORS


COVERAGE A RATE FACTORSCoverage A

Limit(per $1,000)

Fire WaterLiability /Medical

All Other Perils Sinkhole Hurricane Other Wind

25 0.895 0.895 1.000 0.895 0.895 0.895 0.895

30 0.897 0.897 1.000 0.897 0.897 0.897 0.897

35 0.903 0.903 1.000 0.903 0.903 0.903 0.903

40 0.912 0.912 1.000 0.912 0.912 0.912 0.912

45 0.934 0.934 1.000 0.934 0.934 0.934 0.934

50 0.956 0.956 1.000 0.956 0.956 0.956 0.956

55 0.978 0.978 1.000 0.978 0.978 0.978 0.978

60 1.000 1.000 1.000 1.000 1.000 1.000 1.000

65 1.055 1.055 1.000 1.055 1.055 1.055 1.055

70 1.110 1.110 1.000 1.110 1.110 1.110 1.110

75 1.164 1.164 1.000 1.164 1.164 1.164 1.164

80 1.219 1.219 1.000 1.219 1.219 1.219 1.219

85 1.276 1.276 1.000 1.276 1.276 1.276 1.276

90 1.333 1.333 1.000 1.333 1.333 1.333 1.333

95 1.388 1.388 1.000 1.388 1.388 1.388 1.388

100 1.446 1.446 1.000 1.446 1.446 1.446 1.446

105 1.511 1.511 1.000 1.511 1.511 1.511 1.511

110 1.576 1.576 1.000 1.576 1.576 1.576 1.576

115 1.641 1.641 1.000 1.641 1.641 1.641 1.641

120 1.706 1.706 1.000 1.706 1.706 1.706 1.706

125 1.777 1.777 1.000 1.777 1.777 1.777 1.777

130 1.848 1.848 1.000 1.848 1.848 1.848 1.848

135 1.918 1.918 1.000 1.918 1.918 1.918 1.918

140 1.989 1.989 1.000 1.989 1.989 1.989 1.989

145 2.063 2.063 1.000 2.063 2.063 2.063 2.063

150 2.136 2.136 1.000 2.136 2.136 2.136 2.136

155 2.210 2.210 1.000 2.210 2.210 2.210 2.210

160 2.283 2.283 1.000 2.283 2.283 2.283 2.283

165 2.353 2.353 1.000 2.353 2.353 2.353 2.353

170 2.422 2.422 1.000 2.422 2.422 2.422 2.422

175 2.492 2.492 1.000 2.492 2.492 2.492 2.492

180 2.561 2.561 1.000 2.561 2.561 2.561 2.561

185 2.634 2.634 1.000 2.634 2.634 2.634 2.634

190 2.706 2.706 1.000 2.706 2.706 2.706 2.706

195 2.779 2.779 1.000 2.779 2.779 2.779 2.779

200 2.851 2.851 1.000 2.851 2.851 2.851 2.851

205 2.919 2.919 1.000 2.919 2.919 2.919 2.919

210 2.988 2.988 1.000 2.988 2.988 2.988 2.988

215 3.056 3.056 1.000 3.056 3.056 3.056 3.056

220 3.125 3.125 1.000 3.125 3.125 3.125 3.125

225 3.193 3.193 1.000 3.193 3.193 3.193 3.193

230 3.263 3.263 1.000 3.263 3.263 3.263 3.263

235 3.333 3.333 1.000 3.333 3.333 3.333 3.333

240 3.403 3.403 1.000 3.403 3.403 3.403 3.403

245 3.473 3.473 1.000 3.473 3.473 3.473 3.473

250 3.543 3.543 1.000 3.543 3.543 3.543 3.543

255 3.623 3.623 1.000 3.623 3.623 3.623 3.623

260 3.703 3.703 1.000 3.703 3.703 3.703 3.703

265 3.783 3.783 1.000 3.783 3.783 3.783 3.783

270 3.863 3.863 1.000 3.863 3.863 3.863 3.863

275 3.943 3.943 1.000 3.943 3.943 3.943 3.943

280 4.023 4.023 1.000 4.023 4.023 4.023 4.023

285 4.103 4.103 1.000 4.103 4.103 4.103 4.103

290 4.183 4.183 1.000 4.183 4.183 4.183 4.183

295 4.263 4.263 1.000 4.263 4.263 4.263 4.263

300 4.343 4.343 1.000 4.343 4.343 4.343 4.343

305 4.423 4.423 1.000 4.423 4.423 4.423 4.423

310 4.503 4.503 1.000 4.503 4.503 4.503 4.503

315 4.583 4.583 1.000 4.583 4.583 4.583 4.583

320 4.663 4.663 1.000 4.663 4.663 4.663 4.663

325 4.743 4.743 1.000 4.743 4.743 4.743 4.743


10/2013


COVERAGE A RATE FACTORSCoverage A

Limit(per $1,000)



330 4.823 4.823 1.000 4.823 4.823 4.823 4.823

335 4.903 4.903 1.000 4.903 4.903 4.903 4.903

340 4.983 4.983 1.000 4.983 4.983 4.983 4.983

345 5.063 5.063 1.000 5.063 5.063 5.063 5.063

350 5.143 5.143 1.000 5.143 5.143 5.143 5.143

355 5.223 5.223 1.000 5.223 5.223 5.223 5.223

360 5.303 5.303 1.000 5.303 5.303 5.303 5.303

365 5.383 5.383 1.000 5.383 5.383 5.383 5.383

370 5.463 5.463 1.000 5.463 5.463 5.463 5.463

375 5.543 5.543 1.000 5.543 5.543 5.543 5.543

380 5.623 5.623 1.000 5.623 5.623 5.623 5.623

385 5.703 5.703 1.000 5.703 5.703 5.703 5.703

390 5.783 5.783 1.000 5.783 5.783 5.783 5.783

395 5.863 5.863 1.000 5.863 5.863 5.863 5.863

400 5.943 5.943 1.000 5.943 5.943 5.943 5.943

425 6.343 6.343 1.000 6.343 6.343 6.343 6.343

450 6.743 6.743 1.000 6.743 6.743 6.743 6.743

475 7.143 7.143 1.000 7.143 7.143 7.143 7.143

500 7.543 7.543 1.000 7.543 7.543 7.543 7.543

600 9.243 9.243 1.000 9.243 9.243 9.243 9.243

700 10.943 10.943 1.000 10.943 10.943 10.943 10.943

800 12.643 12.643 1.000 12.643 12.643 12.643 12.643

900 14.343 14.343 1.000 14.343 14.343 14.343 14.343

1000 16.043 16.043 1.000 16.043 16.043 16.043 16.043


10/2013

915. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / COVERAGE B & C RATE FACTORS

HPC HO-3 HOMEOWNERS RATES & RELATIVITIESCOVERAGE B RATE FACTORS

% ofCoverage A



0 0.966 0.966 1.000 0.966 0.966 0.966 0.966

2 0.987 0.987 1.000 0.987 0.987 0.987 0.987

5 0.996 0.996 1.000 0.996 0.996 0.996 0.996

10 1.000 1.000 1.000 1.000 1.000 1.000 1.000

HPC HO-3 HOMEOWNERS RATES & RELATIVITIESCOVERAGE C RATE FACTORS

% ofCoverage A



0 0.946 0.952 1.000 0.934 0.896 0.899 0.899

25 0.972 0.975 1.000 0.969 0.960 0.981 0.981

26 0.973 0.976 1.000 0.970 0.961 0.981 0.981

28 0.975 0.978 1.000 0.972 0.964 0.983 0.983

30 0.976 0.979 1.000 0.974 0.966 0.984 0.984

32 0.978 0.980 1.000 0.975 0.968 0.985 0.985

34 0.979 0.982 1.000 0.977 0.970 0.986 0.986

36 0.980 0.983 1.000 0.978 0.971 0.986 0.986

38 0.981 0.984 1.000 0.979 0.973 0.987 0.987

40 0.982 0.984 1.000 0.980 0.974 0.988 0.988

42 0.983 0.985 1.000 0.981 0.975 0.988 0.988

44 0.984 0.986 1.000 0.982 0.977 0.989 0.989

46 0.984 0.986 1.000 0.983 0.977 0.989 0.989

48 0.985 0.987 1.000 0.983 0.978 0.990 0.990

50 1.000 1.000 1.000 1.000 1.000 1.000 1.000

920. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / PROTECTION CLASS & CONSTRUCTION TYPERATE FACTORS

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS - FIRE

ProtectionClass

FramePlastic or AluminumSiding Over Frame

MasonryMasonryVeneer

Superior

01 1.180 1.180 1.000 1.000 0.850

02 1.180 1.180 1.000 1.000 0.850

03 1.180 1.180 1.000 1.000 0.850

04 1.180 1.180 1.000 1.000 0.850

05 1.180 1.180 1.000 1.000 0.850

06 1.180 1.180 1.000 1.000 0.850

07 1.650 1.650 1.060 1.060 0.901

08 1.650 1.650 1.060 1.060 0.901

09 1.880 1.880 1.290 1.290 1.097

10 2.350 2.350 1.290 1.290 1.097

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS - WATER

ProtectionClass



Superior

01 1.180 1.180 1.000 1.000 0.850

02 1.180 1.180 1.000 1.000 0.850

03 1.180 1.180 1.000 1.000 0.850

04 1.180 1.180 1.000 1.000 0.850

05 1.180 1.180 1.000 1.000 0.850

06 1.180 1.180 1.000 1.000 0.850

07 1.650 1.650 1.060 1.060 0.901

08 1.650 1.650 1.060 1.060 0.901

09 1.880 1.880 1.290 1.290 1.097

10 2.350 2.350 1.290 1.290 1.097


10/2013

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS – ALL OTHER PERILS

ProtectionClass



Superior

01 1.180 1.180 1.000 1.000 0.850

02 1.180 1.180 1.000 1.000 0.850

03 1.180 1.180 1.000 1.000 0.850

04 1.180 1.180 1.000 1.000 0.850

05 1.180 1.180 1.000 1.000 0.850

06 1.180 1.180 1.000 1.000 0.850

07 1.650 1.650 1.060 1.060 0.901

08 1.650 1.650 1.060 1.060 0.901

09 1.880 1.880 1.290 1.290 1.097

10 2.350 2.350 1.290 1.290 1.097

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS – SINKHOLE

ProtectionClass



Superior

01 1.180 1.180 1.000 1.000 0.850

02 1.180 1.180 1.000 1.000 0.850

03 1.180 1.180 1.000 1.000 0.850

04 1.180 1.180 1.000 1.000 0.850

05 1.180 1.180 1.000 1.000 0.850

06 1.180 1.180 1.000 1.000 0.850

07 1.650 1.650 1.060 1.060 0.901

08 1.650 1.650 1.060 1.060 0.901

09 1.880 1.880 1.290 1.290 1.097

10 2.350 2.350 1.290 1.290 1.097

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS – HURRICANE

ProtectionClass



Superior

01 1.180 1.180 1.000 1.000 0.850

02 1.180 1.180 1.000 1.000 0.850

03 1.180 1.180 1.000 1.000 0.850

04 1.180 1.180 1.000 1.000 0.850

05 1.180 1.180 1.000 1.000 0.850

06 1.180 1.180 1.000 1.000 0.850

07 1.650 1.650 1.060 1.060 0.901

08 1.650 1.650 1.060 1.060 0.901

09 1.880 1.880 1.290 1.290 1.097

10 2.350 2.350 1.290 1.290 1.097

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS – OTHER WIND

ProtectionClass



Superior

01 1.180 1.180 1.000 1.000 0.850

02 1.180 1.180 1.000 1.000 0.850

03 1.180 1.180 1.000 1.000 0.850

04 1.180 1.180 1.000 1.000 0.850

05 1.180 1.180 1.000 1.000 0.850

06 1.180 1.180 1.000 1.000 0.850

07 1.650 1.650 1.060 1.060 0.901

08 1.650 1.650 1.060 1.060 0.901

09 1.880 1.880 1.290 1.290 1.097

10 2.350 2.350 1.290 1.290 1.097


10/2013

925. HPC HO-3 HOMEOWNERS RATES / TOWNHOUSE OR ROW-HOUSE FACTORS

Townhouse or Row-house Factors - Fire

Total No. Of Individual FamilyUnits Within

The Fire Division

Protection Class

1 - 8 9 & Over

1 & 2 1.000 1.000

3 & 4 1.100 1.150

5 – 8 1.250 1.300

9 & Over 1.400 1.450

Townhouse or Row-house Factors - Water


The Fire Division

Protection Class

1 - 8 9 & Over

1 & 2 1.000 1.000

3 & 4 1.100 1.150

5 – 8 1.250 1.300

9 & Over 1.400 1.450

Townhouse or Row-house Factors – Liability / Medical


The Fire Division

Protection Class

1 - 8 9 & Over

1 & 2 1.000 1.000

3 & 4 1.100 1.150

5 – 8 1.250 1.300

9 & Over 1.400 1.450

Townhouse or Row-house Factors – All Other Perils


The Fire Division

Protection Class

1 - 8 9 & Over

1 & 2 1.000 1.000

3 & 4 1.100 1.150

5 – 8 1.250 1.300

9 & Over 1.400 1.450

Townhouse or Row-house Factors - Sinkhole


The Fire Division

Protection Class

1 - 8 9 & Over

1 & 2 1.000 1.000

3 & 4 1.100 1.150

5 – 8 1.250 1.300

9 & Over 1.400 1.450

Townhouse or Row-house Factors – Hurricane


The Fire Division

Protection Class

1 - 8 9 & Over

1 & 2 1.000 1.000

3 & 4 1.100 1.150

5 – 8 1.250 1.300

9 & Over 1.400 1.450

Townhouse or Row-house Factors – Other Wind


The Fire DivisionProtection Class

1 - 8 9 & Over

1 & 2 1.000 1.000

3 & 4 1.100 1.150

5 – 8 1.250 1.300

9 & Over 1.400 1.450


10/2013

930. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / AGE OF HOME – YEAR BUILT RATE FACTORS

HPC HO-3 AGE OF HOME / YEAR BUILT RATE FACTORS

Age Fire WaterLiability /Medical

All OtherPerils

Sinkhole Year Built HurricaneOtherWind

0 0.900 0.900 0.900 0.900 1.0002010

or Newer 1.000 1.000

1 0.900 0.900 0.900 0.900 1.000 2009 1.000 1.000

2 0.910 0.910 0.910 0.910 1.000 2008 1.000 1.000

3 0.920 0.920 0.920 0.920 1.000 2007 1.000 1.000

4 0.930 0.930 0.930 0.930 1.000 2006 1.000 1.000

5 0.940 0.940 0.940 0.940 1.000 2005 1.000 1.000

6 0.950 0.950 0.950 0.950 1.000 2004 1.000 1.000

7 0.960 0.960 0.960 0.960 1.000 2003 1.000 1.000

8 0.970 0.970 0.970 0.970 1.000 2002 1.000 1.000

9 0.980 0.980 0.980 0.980 1.000 2001 1.000 1.000

10 0.990 0.990 0.990 0.990 1.000 2000 1.000 1.000

11 1.000 1.000 1.000 1.000 1.000 1999 1.000 1.000

12 1.000 1.000 1.000 1.000 1.000 1998 1.000 1.000

13 1.000 1.000 1.000 1.000 1.000 1997 1.000 1.000

14 1.000 1.000 1.000 1.000 1.000 1996 1.000 1.000

15 1.000 1.000 1.000 1.000 1.000 1995 1.000 1.000

16 1.000 1.000 1.000 1.000 1.000 1994 1.000 1.000

17 1.000 1.000 1.000 1.000 1.000 1993 1.000 1.000

18 1.000 1.000 1.000 1.000 1.000 1992 1.000 1.000

19 1.000 1.000 1.000 1.000 1.000 1991 1.000 1.000

20 1.000 1.000 1.000 1.000 1.000 1990 1.010 1.010

21 1.010 1.010 1.010 1.010 1.000 1989 1.020 1.020

22 1.020 1.020 1.020 1.020 1.000 1988 1.030 1.030

23 1.030 1.030 1.030 1.030 1.000 1987 1.040 1.040

24 1.040 1.040 1.040 1.040 1.000 1986 1.050 1.050

25 1.050 1.050 1.050 1.050 1.000 1985 1.060 1.060

26 1.060 1.060 1.060 1.060 1.000 1984 1.070 1.070

27 1.070 1.070 1.070 1.070 1.000 1983 1.080 1.080

28 1.080 1.080 1.080 1.080 1.000 1982 1.090 1.090

29 1.090 1.090 1.090 1.090 1.000 1981 1.100 1.100

30 1.100 1.100 1.100 1.100 1.000 1980 1.110 1.110

31 1.110 1.110 1.110 1.110 1.000 1979 1.120 1.120

32 1.120 1.120 1.120 1.120 1.000 1978 1.130 1.130

33 1.130 1.130 1.130 1.130 1.000 1977 1.140 1.140

34 1.140 1.140 1.140 1.140 1.000 1976 1.150 1.150

35 1.150 1.150 1.150 1.150 1.000 1975 1.160 1.160

36 1.160 1.160 1.160 1.160 1.000 1974 1.170 1.170

37 1.170 1.170 1.170 1.170 1.000 1973 1.180 1.180

38 1.180 1.180 1.180 1.180 1.000 1972 1.190 1.190

39 1.190 1.190 1.190 1.190 1.000 1971 1.200 1.200

40 1.200 1.200 1.200 1.200 1.000 1970 1.200 1.200

41+ 1.200 1.200 1.200 1.200 1.000 1969 1.200 1.200

1968 1.200 1.200

1967 1.200 1.200

1966 1.200 1.200

1965 1.200 1.200

1964 1.200 1.200

1963 1.200 1.200

1962 1.200 1.200

1961 1.200 1.200

1960 1.200 1.200

1959 1.200 1.200

1958 1.200 1.200

1957 1.200 1.200

1956 1.200 1.200

1955 1.200 1.200

1954 1.200 1.200

1953 1.200 1.200

1952 1.200 1.200

1951 or Older 1.200 1.200


10/2013

935. HPC HO-3 HOMEOWNERS RATES & RELATIVITIES / SEASONAL PROPERTY RATE FACTORS

SEASONAL PROPERTY RATE FACTORS



Seasonal – Yes 1.100 1.100 1.000 1.100 1.000 1.100 1.100

Seasonal - No 1.000 1.000 1.000 1.000 1.000 1.000 1.000

END OF HPC HO-3 RATES


06/2014

940. HPC HO-6 HOMEOWNERS RATES & RELATIVITIES / TERRITORY RELATIVITIES


TERRITORY RELATIVITYTerritory Theft All Other Perils Hurricane Other Wind

5 Monroe, Excl. Key West 0.346 0.346 1.508 1.508

7 Monroe, Key West 0.255 0.255 1.220 1.220

10 Martin, Remainder 0.119 0.119 0.469 0.469

30 Dade, Miami Beach 01.029 01.029 2.632 2.632

31 Dade, Coastal 0.613 0.613 2.914 2.914

32 Dade, Miami 0.289 0.289 0.294 0.294

33 Dade, Hialeah 0.522 0.522 0.100 0.100

34 Dade, Remainder 0.648 0.648 0.352 0.352

35 Broward, Ft. Laud. & Hollywood 0.270 0.270 0.359 0.359

37 Broward, Remainder 1.000 1.000 1.000 1.000

38 Palm Beach, Remainder 0.861 0.861 1.854 1.854

39 Duval, Jacksonville 0.157 0.157 0.046 0.046

40 Duval, Remainder 0.179 0.179 0.046 0.046

41 Duval, Coastal 0.150 0.150 0.104 0.104

42 Pinellas, Coastal 0.228 0.228 0.359 0.359

43 Escambia, Remainder 0.148 0.148 0.198 0.198

46 Pinellas, Saint Petersburg 0.106 0.106 0.297 0.297

47 Hillsborough, Tampa 0.139 0.139 0.154 0.154

49 Orange, Orlando 0.173 0.173 0.076 0.076

50 Polk 0.150 0.150 0.094 0.094

57 Brevard, Coastal 0.128 0.128 0.200 0.200

62 Volusia, Coastal 0.382 0.382 0.619 0.619

63 Volusia, Remainder 0.145 0.145 0.100 0.100

64 Brevard, Remainder 0.127 0.127 0.157 0.157

80 Hillsborough, Excl. Tampa 0.137 0.137 0.152 0.152

81 Pinellas, Rem. Excl. Saint Pete. 0.139 0.139 0.257 0.257

90 Orange, Excl. Orlando 0.147 0.147 0.089 0.089

159 Hernando, Coastal 0.168 0.168 0.116 0.116

181 Indian River, Coastal 0.172 0.172 0.250 0.250

182 Martin, Coastal 0.092 0.092 0.449 0.449

183 St. Lucie, Coastal 0.215 0.215 0.322 0.322

192 Alachua 0.125 0.125 0.038 0.038

193 Calhoun 0.176 0.176 0.056 0.056

292 Baker 0.166 0.166 0.029 0.029

293 Columbia 0.155 0.155 0.030 0.030

361 Broward, Coastal 0.333 0.333 1.631 1.631

362 Palm Beach, Coastal 0.358 0.358 1.511 1.511

392 Bradford 0.155 0.155 0.038 0.038

393 Gadsden 0.173 0.173 0.037 0.037

492 Clay 0.135 0.135 0.043 0.043

493 Hamilton 0.169 0.169 0.025 0.025

511 Osceola 0.117 0.117 0.068 0.068

512 Seminole 0.167 0.167 0.094 0.094

531 Flagler, Coastal 0.147 0.147 0.179 0.179

532 Nassau, Coastal 0.145 0.145 0.104 0.104

533 St. Johns, Coastal 0.146 0.146 0.112 0.112

541 Collier, Coastal 0.201 0.201 0.495 0.495

542 Lee, Coastal 0.235 0.235 0.579 0.579

551 Collier, Remainder 0.144 0.144 0.256 0.256

552 Glades 0.130 0.130 0.166 0.166

553 Hendry 0.126 0.126 0.267 0.267

554 Lee, Remainder 0.178 0.178 0.408 0.408

555 Okeechobee 0.125 0.125 0.154 0.154

561 Indian River, Remainder 0.127 0.127 0.370 0.370

562 St. Lucie, Remainder 0.155 0.155 0.264 0.264

581 Charlotte, Coastal 0.148 0.148 0.238 0.238

582 Manatee, Coastal 0.151 0.151 0.221 0.221

583 Sarasota, Coastal 0.305 0.305 0.711 0.711

591 Citrus, Coastal 0.113 0.113 0.230 0.230

592 Dixie, Coastal 0.139 0.139 0.125 0.125

593 Holmes 0.186 0.186 0.066 0.066

594 Levy, Coastal 0.172 0.172 0.084 0.084

595 Pasco, Coastal 0.141 0.141 0.267 0.267


06/2014


TERRITORY RELATIVITYTerritory Theft All Other Perils Hurricane Other Wind

596 Taylor, Coastal 0.170 0.170 0.203 0.203

601 Bay, Coastal 0.255 0.255 0.485 0.485

602 Escambia, Coastal 0.275 0.275 0.443 0.443

603 Franklin 0.157 0.157 0.152 0.152

604 Gulf, Coastal 0.156 0.156 0.156 0.156

605 Jefferson, Coastal 0.148 0.148 0.123 0.123

606 Okaloosa, Coastal 0.275 0.275 0.511 0.511

607 Santa Rosa, Coastal 0.283 0.283 0.371 0.371

608 Wakulla, Coastal 0.209 0.209 0.169 0.169

609 Walton, Coastal 0.261 0.261 0.381 0.381

692 Lake 0.142 0.142 0.057 0.057

693 Jackson 0.174 0.174 0.044 0.044

701 Flagler, Remainder 0.152 0.152 0.053 0.053

702 St. Johns, Remainder 0.119 0.119 0.113 0.113

711 Charlotte, Remainder 0.131 0.131 0.194 0.194

712 Desoto 0.117 0.117 0.139 0.139

713 Hardee 0.128 0.128 0.095 0.095

714 Highlands 0.152 0.152 0.106 0.106

715 Sarasota, Remainder 0.249 0.249 0.280 0.280

721 Bay, Remainder 0.157 0.157 0.185 0.185

722 Gulf, Remainder 0.174 0.174 0.149 0.149

723 Okaloosa, Remainder 0.119 0.119 0.231 0.231

724 Santa Rosa, Remainder 0.308 0.308 0.458 0.458

725 Wakulla, Remainder 0.193 0.193 0.018 0.018

726 Walton, Remainder 0.177 0.177 0.125 0.125

731 Citrus, Remainder 0.148 0.148 0.106 0.106

732 Dixie, Remainder 0.142 0.142 0.082 0.082

733 Hernando, Remainder 0.198 0.198 0.040 0.040

734 Levy, Remainder 0.205 0.205 0.018 0.018

735 Manatee, Remainder 0.145 0.145 0.207 0.207

736 Pasco, Remainder 0.154 0.154 0.099 0.099

737 Taylor, Remainder 0.160 0.160 0.067 0.067

792 Marion 0.155 0.155 0.065 0.065

793 Jefferson, Remainder 0.178 0.178 0.030 0.030

892 Nassau, Remainder 0.170 0.170 0.027 0.027

893 Lafayette 0.165 0.165 0.034 0.034

921 Sumter 0.134 0.134 0.050 0.050

922 Union 0.167 0.167 0.032 0.032

923 Gilchrist 0.161 0.161 0.038 0.038

931 Liberty 0.160 0.160 0.051 0.051

932 Madison 0.166 0.166 0.023 0.023

933 Suwanee 0.166 0.166 0.026 0.026

934 Washington 0.159 0.159 0.066 0.066

992 Putnam 0.139 0.139 0.048 0.048

993 Leon 0.126 0.126 0.034 0.034


10/2013

945. HPC HO-6 HOMEOWNERS RATES & RELATIVITY / COVERAGE C RATE FACTORS


COVERAGE C LIMITS RATE FACTORSCoverage C Limit

(per $1,000)Theft All Other Perils Hurricane Other Wind

6 0.367 0.367 0.367 0.367

7 0.401 0.401 0.401 0.401

8 0.435 0.435 0.435 0.435

9 0.475 0.475 0.475 0.475

10 0.525 0.525 0.525 0.525

11 0.576 0.576 0.576 0.576

12 0.633 0.633 0.633 0.633

13 0.684 0.684 0.684 0.684

14 0.734 0.734 0.734 0.734

15 0.791 0.791 0.791 0.791

16 0.831 0.831 0.831 0.831

17 0.870 0.870 0.870 0.870

18 0.915 0.915 0.915 0.915

19 0.955 0.955 0.955 0.955

20 1.000 1.000 1.000 1.000

21 1.031 1.031 1.031 1.031

22 1.063 1.063 1.063 1.063

23 1.094 1.094 1.094 1.094

24 1.125 1.125 1.125 1.125

25 1.157 1.157 1.157 1.157

26 1.188 1.188 1.188 1.188

27 1.219 1.219 1.219 1.219

30 1.313 1.313 1.313 1.313

35 1.461 1.461 1.461 1.461

40 1.609 1.609 1.609 1.609

45 1.774 1.774 1.774 1.774

50 1.938 1.938 1.938 1.938

55 2.102 2.102 2.102 2.102

60 2.266 2.266 2.266 2.266

65 2.430 2.430 2.430 2.430

70 2.594 2.594 2.594 2.594

75 2.758 2.758 2.758 2.758

80 2.922 2.922 2.922 2.922

85 3.090 3.090 3.090 3.090

90 3.258 3.258 3.258 3.258

95 3.426 3.426 3.426 3.426

100 3.594 3.594 3.594 3.594

105 3.794 3.794 3.794 3.794

110 3.994 3.994 3.994 3.994

115 4.194 4.194 4.194 4.194

120 4.394 4.394 4.394 4.394

125 4.594 4.594 4.594 4.594

130 4.794 4.794 4.794 4.794

135 4.994 4.994 4.994 4.994

140 5.194 5.194 5.194 5.194

145 5.394 5.394 5.394 5.394

150 5.594 5.594 5.594 5.594

155 5.794 5.794 5.794 5.794

160 5.994 5.994 5.994 5.994

165 6.194 6.194 6.194 6.194

170 6.394 6.394 6.394 6.394

175 6.594 6.594 6.594 6.594

180 6.794 6.794 6.794 6.794

185 6.994 6.994 6.994 6.994

190 7.194 7.194 7.194 7.194

195 7.394 7.394 7.394 7.394

200 7.594 7.594 7.594 7.594


10/2013

950. HPC HO-6 HOMEOWNERS RATES & RELATIVITIES / PROTECTION CLASS & CONSTRUCTION TYPERATE FACTORS

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS - THEFT

ProtectionClass



Superior

01 1.000 1.000 1.000 1.000 1.000

02 1.000 1.000 1.000 1.000 1.000

03 1.000 1.000 1.000 1.000 1.000

04 1.000 1.000 1.000 1.000 1.000

05 1.000 1.000 1.000 1.000 1.000

06 1.000 1.000 1.000 1.000 1.000

07 1.000 1.000 1.000 1.000 1.000

08 1.000 1.000 1.000 1.000 1.000

09 1.000 1.000 1.000 1.000 1.000

10 1.000 1.000 1.000 1.000 1.000

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS – ALL OTHER PERILS

ProtectionClass



Superior

01 1.110 1.110 1.000 1.000 0.850

02 1.110 1.110 1.000 1.000 0.850

03 1.110 1.110 1.000 1.000 0.850

04 1.110 1.110 1.000 1.000 0.850

05 1.110 1.110 1.000 1.000 0.850

06 1.110 1.110 1.000 1.000 0.850

07 1.330 1.330 1.000 1.000 0.850

08 1.330 1.330 1.000 1.000 0.850

09 1.780 1.780 1.440 1.440 1.224

10 2.220 2.220 1.670 1.670 1.420

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS – HURRICANE

ProtectionClass



Superior

01 1.110 1.110 1.000 1.000 0.850

02 1.110 1.110 1.000 1.000 0.850

03 1.110 1.110 1.000 1.000 0.850

04 1.110 1.110 1.000 1.000 0.850

05 1.110 1.110 1.000 1.000 0.850

06 1.110 1.110 1.000 1.000 0.850

07 1.330 1.330 1.000 1.000 0.850

08 1.330 1.330 1.000 1.000 0.850

09 1.780 1.780 1.440 1.440 1.224

10 2.220 2.220 1.670 1.670 1.420

PROTECTION CLASS & CONSTRUCTION TYPE RATE FACTORS – OTHER WIND

ProtectionClass



Superior

01 1.110 1.110 1.000 1.000 0.850

02 1.110 1.110 1.000 1.000 0.850

03 1.110 1.110 1.000 1.000 0.850

04 1.110 1.110 1.000 1.000 0.850

05 1.110 1.110 1.000 1.000 0.850

06 1.110 1.110 1.000 1.000 0.850

07 1.330 1.330 1.000 1.000 0.850

08 1.330 1.330 1.000 1.000 0.850

09 1.780 1.780 1.440 1.440 1.224

10 2.220 2.220 1.670 1.670 1.420

955. HPC HO-6 HOMEOWNERS RATES & RELATIVITIES / SEASONAL PROPERTY RATE FACTORS

HPC HO-6 SEASONAL PROPERTY RATE FACTORSTheft All Other Perils Hurricane Other Wind

Seasonal – Yes 1.100 1.100 1.100 1.100

Seasonal - No 1.000 1.000 1.000 1.000

END OF HPC HO-6 RATES


10/2013

960. MULTI PERIL RESIDENTIAL RATING TERRITORIES AND DEFINITIONS

Residential property must be located within an area as described below. Territory numbers apply forrating of all multi peril residential properties. All Descriptions and territory numbers are “mutuallyexclusive.” Use the territory number and its description which most accurately describes the location ofthe risk.

RESIDENTIAL RATING ONLY

CountyTerritory

NumberDescription of Eligible Area

Alachua 192 Entire County.

Baker 292 Entire County.

Bay, Coastal (1) 601 (1) All areas south of the North Bank of the Intracoastal Waterway.

Bay, Remainder (2) 721 (2) Remainder of County.

Bradford 392 Entire County.

Brevard, Coastal (3) 057 (3) All areas east of the West Bank of the Intracoastal Waterway.

Brevard, Remainder (4) 064 (4) Remainder of County.

Broward, Coastal (5)361

(5) All areas including eastern portion of Fort Lauderdale and Hollywood, east of the WestBank of the Intracoastal Waterway.

Broward, Ft. Laud. & Hollywood 035

Fort Lauderdale and Hollywood – All areas excluding eastern portions east of the West Bankof the Intracoastal Waterway.

Broward, Remainder (6) 037 (6) Remainder of County except for the cities of Fort Lauderdale and Hollywood.

Calhoun 193 Entire County.

Charlotte, Coastal (7) 581 (7) All areas west of Myakka River and Charlotte Harbor.

Charlotte, Remainder (8) 711 (8) Remainder of County.

Citrus, Coastal (9) 591

(9) Towns of Chassahowitzka, Ozello and Homosassa and any other towns or communitieslying wholly west of U.S. Highway No. 19.

Citrus, Remainder (10) 731 (10) Remainder of County.

Clay 492 Entire County.

Collier, Coastal (11) 541 (11) All areas west of Highway 41.

Collier, Remainder(12) 551 (12) Remainder of County.

Columbia 293 Entire County.

Dade, Coastal (13) 031

(13) All areas east of the West Bank of the Intracoastal Waterway except for the City ofMiami Beach.

Dade, Hialeah 033 City of Hialeah

Dade, Miami 032 City of Miami

Dade, Miami Beach 030 City of Miami Beach

Dade, Remainder (14) 034 (14) Remainder of County except for the cities of Hialeah, Miami, and Miami Beach.

Desoto 712 Entire County.

Dixie, Coastal (15) 592

(15) Towns of Horseshoe Beach, Jena, Stewart City, and Suwannee and other towns orcommunities lying wholly south or west of U.S. Highway No. 19.

Dixie, Remainder (16) 732 (16) Remainder of County.

Duval, Coastal (17) 041

(17) All areas including Jacksonville situated east of the West Bank of the IntracoastalWaterway.

Duval, Jacksonville 039

Jacksonville – All of Jacksonville except areas east of the West Bank of the IntracoastalWaterway.

Duval, Remainder (18) 040

(18) Remainder of County except for Jacksonville and areas east of the West Bank of theIntracoastal Waterway.

Escambia, Coastal (19) 602(19) All areas including southern portion of Pensacola, south of the North Bank of theIntracoastal Waterway.

Escambia, Remainder (20) 043 (20) Remainder of County.

Flagler, Coastal (21) 531 (21) All areas east of the West Bank of the Intracoastal Waterway.

Flagler, Remainder (22) 701 (22) Remainder of County.

Franklin 603 Entire County.

Gadsden 393 Entire County.

Gilchrist 923 Entire County.

Glades 552 Entire County.

Gulf, Coastal (23) 604 (23) All areas south of the North Bank of the Intracoastal Waterway.

Gulf, Remainder (24) 722 (24) Remainder of County.


10/2013


CountyTerritory


Hamilton 493 Entire County.

Hardee 713 Entire County.

Hendry 553 Entire County.

Hernando, Coastal (25) 159

(25) Towns of Bayport and Pine Island and any other towns or communities lying whollywest of U.S. Highway No. 19.

Hernando, Remainder (26) 733 (26) Remainder of County.

Highlands 714 Entire County.

Hillsborough, Excl. Tampa (27) 080 (27) All areas except for the City of Tampa.

Hillsborough, Tampa 047 City of Tampa

Holmes 593 Entire County.

Indian River, Coastal (28) 181 (28) All areas east of the West Bank of the Intracoastal Waterway.

Indian River, Remainder (29) 561 (29) Remainder of County.

Jackson 693 Entire County.

Jefferson, Coastal (30) 605 (30) All areas south of U.S. Highway No. 98 (Florida State Highway No. 30).

Jefferson, Remainder (31) 793 (31) Remainder of County.

Lafayette 893 Entire County.

Lake 692 Entire County.

Lee, Coastal (32) 542 (32) All beaches and islands lying west of the mainland, including the town of Punta Rassa.

Lee, Remainder (33) 554 (33) Remainder of County.

Leon 993 Entire County.

Levy, Coastal (34) 594

(34) All areas west of that portion of U.S. Highway No. 19 south of the intersection ofHighway No. 19 and State Road No. 336, and the towns of Cedar Key, Ellzey, Rosewood,Summer and any other towns or communities lying wholly west of that portion of U.S.Highway No. 19 north of intersection of Highway No. 19 and State Road No. 336.

Levy, Remainder (35) 734 (35) Remainder of County.

Liberty 931 Entire County.

Madison 932 Entire County.

Manatee, Coastal (36) 582

(36) Towns of Anna Maria, Bradenton Beach, Cortez, Long Beach and Terra Ceia, includingall beaches and islands west of the mainland.

Manatee, Remainder (37) 735 (37) Remainder of County.

Marion 792 Entire County.

Martin, Coastal (38) 182 (38) All areas east of the West Bank of the Intracoastal Waterway.

Martin, Remainder (39) 010 (39) Remainder of County.

Monroe, Excl. Key West (40) 005 (40) All areas except for the City of Key West.

Monroe, Key West 007 City of Key West

Nassau, Coastal (41) 532 (41) All areas east of the West Bank of the Intracoastal Waterway.

Nassau, Remainder (42) 892 (42) Remainder of County.

Okaloosa, Coastal (43) 606 (43) All areas south of the North Bank of the Intracoastal Waterway.

Okaloosa, Remainder (44) 723 (44) Remainder of County.

Okeechobee 555 Entire County.

Orange, Excl. Orlando (45) 090 (45) All areas except for the City of Orlando.

Orange, Orlando 049 City of Orlando

Osceola 511 Entire County.

Palm Beach, Coastal (46) 362 (46) All areas east of the West Bank of the Intracoastal Waterway.

Palm Beach, Remainder (47) 038 (47) Remainder of County.

Pasco, Coastal (48) 595

(48) Town of Aripeka and other towns or communities lying wholly west of U.S. HighwayNo. 19.

Pasco, Remainder (49) 736 (49) Remainder of County.

Pinellas, St. Petersburg 046 City of St. Petersburg

Pinellas, Coastal (50) 042

(50) All areas west of the East Bank of the Intracoastal Waterway, including the westernportion of the City of Clearwater.

Pinellas, Rem. Excl. St. Pete. (51) 081 (51) Remainder of County except for the City of St. Petersburg.

Polk 050 Entire County.

Putnam 992 Entire County.

Santa Rosa, Coastal (56) 607 (56) All areas south of the North Bank of the Intracoastal Waterway.


10/2013


CountyTerritory


Santa Rosa, Remainder (57) 724 (57) Remainder of County.

Sarasota, Coastal (58) 583

(58) Areas including the western portion of the City of Sarasota, west of the East Bank ofthe Intracoastal Waterway from Northern County line, south to Midnight Pass andsouthward areas west of Myakka River south to the Southern County line.

Sarasota, Remainder (59) 715 (59) Remainder of County.

Seminole 512 Entire County.

St. Johns, Coastal (52) 533 (52) All areas east of the West Bank of the Intracoastal Waterway.

St. Johns, Remainder (53) 702 (53) Remainder of County.

St. Lucie, Coastal (54) 183 (54) All area east of the West Bank of the Intracoastal Waterway.

St. Lucie, Remainder (55) 562 (55) Remainder of County.

Sumter 921 Entire County.

Suwanee 933 Entire County.

Taylor, Coastal (60) 596

(60) Towns of Adams Beach, Fish Creek, Keatons Beach and Steinhatchee, and any othertowns or communities lying wholly south or west of U.S. Highway No. 98.

Taylor, Remainder (61) 737 (61) Remainder of County.

Union 922 Entire County.

Volusia, Coastal (62) 062 (62) All areas east of the West Bank of the Intracoastal Waterway.

Volusia, Remainder (63) 063 (63) Remainder of County.

Wakulla, Coastal (64) 608

(64) Towns of Panacea. St. Marks, Spring Creek and Wakulla Beach, and any other towns orcommunities lying wholly south and east of a boundary line beginning at the West countyline extending along U.S. Highway No. 319 to the Intersection with U.S. Highway No. 98 andthen along U.S. Highway No. 98 to the East county line.

Wakulla, Remainder (65) 725 (65) Remainder of County.

Walton, Coastal (66) 609 (66) All areas south of the North Bank of the Intracoastal Waterway.

Walton, Remainder (67) 726 (67) Remainder of County.

Washington 934 Entire County.


10/2013

UNDERWRITING GUIDELINES & GENERAL RULES

Rule 201. GENERAL INFORMATION

A. This manual contains information to assume homeowners insurance policies from Citizens PropertyInsurance Corporation on behalf of Heritage Property & Casualty Insurance Company (Heritage or theCompany). The Heritage assumption program is not intended for use in the voluntary market.

B. The Agent and Service Company shall be solely responsible for the favorable relationship between theinsured and Heritage.

Rule 202. ELIGIBILITY

All business has been assumed from an assumption from Citizens Property Insurance Corporation. No newbusiness is being accepted at this time. Unless the property is specifically determined to be ineligible forcoverage under the Citizens’ underwriting guidelines, the property shall be eligible for coverage in thisprogram.

Rule 203. EXTENT OF COVERAGE AND AUTOMATIC INCREASE IN LIMITS

A. Property

1. Homeowners – provides replacement cost coverage on structures and actual cash value onpersonal property.

2. Condominium Unit Owners – provides replacement cost coverage on additions and alterationsthat are not the responsibility of the condominium association and actual cash value on personalproperty.

Note: Replacement Cost Coverage on personal property may be purchased in Homeowners andCondominium Unit Owners risks.

B. Automatic Increase In Limits

1. General

The Coverage A Dwelling limit is based on “Insurance To Value.” Therefore, the Coverage ADwelling limit may be adjusted annually at renewal for inflation as determined by a nationalindex of construction costs.

The automatic increase in Coverage A does not apply to: Condominium Unit Owners policies.

2. Coverage Adjustment

The Coverage A Dwelling limit may be adjusted at each renewal for inflation. For example, if thenational index of construction costs increased by 3%, the Coverage A amount on a dwellinginsured for $100,000 will increase to $103,000. Other Section I blanket limits will be adjustedproportionately.

3. Renewal Declaration Page

If an adjustment is made to the Coverage A Dwelling limit, it will be indicated on the renewalDeclarations Page by the following statement: “Property coverage limit increased due to inflationmeasured by a national index of construction costs.

Rule 204. APPLICATIONS

No applications for new business will be accepted. Unless and until Heritage initiates a reapplicationprocess it will rely on the information received from the Citizens Property Insurance Corporation andsubsequent inspections and documentation to process business and make underwriting decisions.Underwriting surcharges and credits to a policy can only be removed by endorsement.


10/2013

Rule 205. ENDORSEMENT AND REINSTATEMENT SUBMISSION PROCEDURES

A. Endorsement Submission Procedures

All endorsements that increase, broaden or extend coverage shall be signed by the applicant and theAgent of record and shall be accompanied by the required documentation as described in thefollowing paragraphs. All endorsement requests shall be legible and submitted to the Company nolater than five (5) business days from the day the endorsement was completed and signed by theinsured and Agent.

Requests to cancel policies must be submitted in writing and be signed by the named insured andagent.

The “5-day” rule also applies to the receipt of premiums. Thus, when premiums are accepted by theAgent, he or she must submit funds to the Company no later than five (5) business days from the daythe premium was accepted by the Agent.

B. Reinstatement Procedures

All reinstatements must be approved by the Company in advance. The Company will advise theAgent on the conditions to which approval for reinstatement will be granted. These conditions willinclude, but not be limited to, payment of premium, execution of a signed statement of no loss bythe insured, and review of current underwriting requirements.

Rule 206. ADDITIONAL UNDERWRITING REQUIREMENTS

A. Loss Frequency

For policyholders who have sustained 3 or more losses (excluding acts of God) in the 36 monthperiod immediately preceding the effective date or subsequent renewal date, the only policyavailable is Dwelling Fire Form HPC DP-1.

B. Older Homes

Homes over 50 years old must have updated electrical wiring and heating within the last 35 years tobe eligible for coverage (not applicable to condominium risks). Acceptable documentation from averifiable qualified inspector must be provided, upon request, prior to renewal.

C. Pools and Similar Structures

Properties with pools and similar structures must be completely fenced, walled or screened.

Note: Fence or wall must be a permanent installation with a minimum height of 4 feet and beconstructed of material that provide a reasonable barrier to entry as determined by Heritage(e.g. chain link, wood, steel, aluminum).

Exception: Properties not meeting these requirements are eligible for a Dwelling Policy without Liability.

D. Hurricane or Tropical Storm Binding Suspension

No request for new coverage or endorsement for increased coverage may be bound, written orissued, or monies received, regardless of effective date, when a Tropical Storm or Hurricane Watchor Warning has been issued by the National Weather Service for any part of the State of Florida, oras otherwise determined by the underwriting department.

E. Flood Insurance Requirements – Insureds with properties in Special Flood Hazard Areas, as defined bythe National Flood Insurance Program (NFIP) (e.g. A, AO, AH, A1-A30, AE, A99, V, V1-30, VE) mustmaintain a flood policy unless the applicant or insured sign the “Election Not To Buy Separate FloodInsurance” (HPC FW01) form, or an exception in this rule applies.

1. Waiver of Flood Option – Securing flood insurance is not a condition of coverage if the applicantor insured sign form HPC FW01. An applicant or insured who does not maintain a flood policy, or


10/2013

does not sign the HPC FW01 form, may be denied Heritage coverage.

2. Coverage Requirements – If form HPC FW01 is not completed, or the property does not meet anexception, the insured must maintain a flood policy in effect, subject to the maximum limitsavailable from NFIP, as follows:

a. With building limits not less than 80% of the Heritage building limits, orb. Where NFIP issues an Actual Cash Value (ACV) policy, not less than 80% of the building ACV,

andc. With contents limits in any amount, if Heritage contents coverage exists.

3. Exceptions:

a. Condominium unit owner above ground floor. However, if building coverage is provided byan Apartment or Condominium Association master policy, building coverage is not required.

b. Condominium Association master policy, building coverage is not required.c. Policies with “windstorm or hail” coverage excluded.d. Certain risks (e.g., cooperative unit within cooperative building, gazebo, contents located in a

building not eligible for flood coverage under the NFIP “Ineligible Property” rule and the NFIP“Examples of Ineligible Risks” rule): A flood policy will not be required for these risks.

4. Notes:

a. A “Difference in Condition” (DIC) policy may not be substituted for the flood policyrequirement.

b. Flood Policy Waiting Period: If a flood application is pending due to a waiting period, the riskis eligible for Heritage coverage if otherwise eligible. The policy number must be provided toHeritage as soon as issued to avoid non-renewal.

Rule 207. UNINSURABLE PROPERTIES

The following risks may not be insured with Heritage.

A. Commercial Property

Commercial property including properties where any commercial activity is present beyond the strictinterpretation of the incidental offices permitted as an exception within this program.

B. Mobile Homes

C. Coverage Limits – Minimum/Maximum

Properties for which replacement cost (Coverage A) or Actual Cash Value (Coverage C) is eitherbelow or above the required limits.

D. Replacement Cost/Market Value Ratio

Properties with Replacement Cost exceeding 1 ½ times the market value, excluding land values.

E. Condemned Property

Properties which are condemned or scheduled to be condemned.

F. Property In Disrepair/Existing Damage

Properties in state of disrepair or properties with existing damage with no definitive proof of intentto repair within ninety (90) days.

G. Property Over 50 Years Old

Properties over 50 years old that have not been updated (N/A to HPC HO-6) are ineligible for renewalunless electrical wiring and heating are both in sound condition and have been updated within the last35 years. Shingle or other roofs not specified in this section must be less than 25 years in age and tile,State, clay, Concrete or Metal roofs must be less than 50 years in age, and have at least 3 years


10/2013

remaining useful life. Acceptable documentation from a verifiable qualified inspector must be providedupon request.

H. Farms & Ranches

Dwellings located on a farm, ranch, orchard or grove; or where farming activities or ranchingoperations take place.

Exception: Dwellings used for residential purposes when farming or ranching is incidental, may beeligible for a Dwelling Policy excluding Liability (see Dwelling Manual).

I. Business Exposure

Properties where a business is conducted. Two salient elements to help identify a “business” include:(1) a profit motive and (2) continuity of the activity. (e.g., all manufacturing, retail sales whencustomer traffic is common, bed & breakfast operations, nursing homes, adult care living facilities,produce stands, “u-pick-it” produce operations, kennels, repair work including auto or appliancerepair, hair salons, and certain residential Home Day Care operations not Registered or Licensed –see “Residential Family Day Care Homes” rule for further information on Home Day Care risks)

Exception: Except incidental offices, schools or studios meaning offices for business or professionalpurposes and private schools or studios for music, dance, photography and other instructionalpurposes.

J. Heating And Electrical

1. Properties which have a portable heater or open flame as a primary source of heat, (e.g., electric,oil or kerosene portable space heater, gas heater, or any device utilizing an open flame).

Exception: Permanent and factory or professionally installed, central gas, fireplaces or woodburning stove heat systems.

2. Properties which contain any potentially hazardous electrical conditions, “knob & tube” oraluminum branch wiring circuits.

3. Properties equipped with electrical service less than 60 amps.

Exception: If approved by a Florida licensed electrician, licensed journeyman electrician, ormunicipal building inspector within the last five (5) years.

K. Roof Conditions and Age

1. Roofs that are damaged; or

2. Roofs that have visible signs of leaks; or

3. Roofs that have less than three years of remaining useful life. The “remaining useful life” is theremaining life expectancy of the roof covering to function as intended based upon an inspection ofthe wear and tear, decay, deterioration, decline, or defect, present from natural, climatic,construction, or other local conditions.

4. Shingle, built up tar and gravel or other roof coverings not identified in 5. below that are over 25years old; and

5. Tile, slate, clay concrete or metal roof coverings over 50 years old.

Exception to K.4 and K.5.: Risks that do not meet the roof replacement eligibility requirementsabove may be eligible for coverage by submitting acceptable documentation verifying the roof hasat least 3 years remaining useful life. Risks that establish roof eligibility under this exception are notrequired to provide documentation of full roof replacement until the policy renewal period in whichthe remaining useful life of the roof covering falls below the 3-year eligibility threshold. Acceptabledocumentation includes a copy of a completed roofing contract; a statement from a licensed


10/2013

roofing contractor showing estimated age, condition and remaining useful life or other acceptableproof of remaining useful life.

L. Homemade/Rebuilt Property

Dwellings or structures that are homemade or rebuilt, or any dwelling constructed with extensiveremodeling.

Exception: If approved by local government building or zoning department or a certificate ofoccupancy has been issued.

M. Non-Habitational Property

Dwellings used, designed or constructed for non-habitational purposes.

N. Fraternity Or Sorority Houses

Fraternity, Sorority or any similar housing arrangement.

O. Vacant Or Unoccupied Property

Vacant or “unoccupied” dwellings. “Unoccupied” includes dwellings with personal propertycontained therein if the dwelling is no longer a place of usual return. Eligible seasonal or secondarydwellings are not considered vacant or unoccupied.

P. Seasonal Homes

A seasonal home (home with continuous unoccupancy of 3 or more consecutive months during any 1year period) unless the home is located in a “secured area” (limited access with locked gates orguards) or the home has a functioning central station fire and burglar alarm and documentationacceptable to the Company is provided.

Q. Special Flood Hazard Areas

Properties located in NFIP designated Special Flood Hazard Areas, (“A” and “V” zones), where aFlood Insurance Policy has not been purchased or has not been continued with coverage limits, notless than 80 percent of the building limits, subject to the maximum limits available from the NFIP.

Exception: (See Additional Underwriting Requirements Rule.)

R. Material Misrepresentation, Insurance Fraud or Arson

Applicants canceled or non-renewed for material misrepresentation in the past seven (7) years orinsurance fraud in the past fifteen (15) years or convicted of arson in the past twenty-five (25) years.

S. Property Constructed Over Water

Any insured location with a structure constructed partially or entirely over water. (e.g. boat houses,etc.)

Note: Ineligible structures do not include piers and docks.

T. Property Built On Landfills – Refuse

Properties built on landfills previously used for refuse.

U. Inaccessible Property

Properties not readily accessible year round to fire department equipment (e.g. isolated propertyincluding barrier islands not connected to the mainland by a road).

Exception: Barrier Islands with a responding fire station located on the island.

V. Excessive, Unusual or Extra-Hazardous Exposure

1. Properties with excessive, unusual or extra-hazardous liability exposure, (e.g. empty in-groundpools, skateboard or bicycle ramps, trampolines, vicious or exotic animals kept on premises).

Exception: May be eligible for a Dwelling Fire Policy excluding Liability coverage.


10/2013

2. Properties with excessive, unusual or extra-hazardous property exposure (e.g. excessive crackingin the foundation, walls or roof, slab cracks, out of level foundations, flooring, walls and/or roof,unexplained depressions, active sinkholes or depressions on the premises, or unrepaired sinkholedamage).

Exception: May be eligible for an HPC HO-3 policy that does not include coverage for sinkhole.

W. Residential Family Day Care Homes

Note: Eligible conditions only apply to policies assumed from Citizens Property InsuranceCorporation that also had this endorsement at the time of the assumption. Policies that did not havethis endorsement at the time of assumption are not eligible.

1. Eligible – Including Personal Liability

a. Registered or LicensedFamily Day Care Homes registered in Florida or licensed in Counties requiring licensure areeligible for a Homeowners Policy including Personal Liability coverage.

b. Registration or License Not RequiredFamily Day Care Homes not required by law to be registered and/or licensed are eligible for aHomeowners Policy.

2. Eligible – Not Including Personal Liability

A separate unattached dwelling used for residential purposes which are located on the residencepremises where a day care business is located, may be insured under the Dwelling fire Programexcluding Personal Liability. All other non-residential buildings or structures located at the“described location” used in the day care business are ineligible for coverage.

3. Ineligible

a. Operating In Violation of LawHome Day Care operations not registered where required by Florida law or not licensed inCounties that require licensure, are ineligible for any coverage.

b. Commercial OperationAny child care operation not included within the provisions of this rule.

4. Definition – Family Day Care Home

“Family Day Care Home” means an occupied residence in which child care is regularly providedfor children for more than one unrelated family and which receives a payment, fee, or grant forany of the children receiving care, whether or not operated for profit.

A Family Day Care Home shall be allowed to provide care for only one of the four followinggroups of children, which includes those children under 13 years of age who are related to thecaregiver:

a. A maximum of 4 children from birth to 1 year old.b. A maximum of 3 children from birth to 1 year old, and other children, for a maximum total of

6 children.c. A maximum of 6 preschool children if all are older than 1 year old.d. A maximum of 10 children if no more than five are preschool age and of those five, no more

than 2 are under 1 year old.Note 1: “No Coverage For Home Day Care Business” mandatory exclusion endorsement, HO 04 96applies.

Note 2: If Personal Liability Coverage is provided under Paragraph “A”, a copy of a Certificate ofInsurance to Heritage from the insurer providing Commercial Liability on the Family Day Care Homeat limits equal to or greater than Heritage Personal Liability limits of liability is required.


10/2013

Note 3: A copy of the Florida Department of Children & Families “Family Child Care Home Certificateof License” if required to be licensed by the State of Florida, or a copy of the Child Care Licenseissued by the County, if required to be licensed by the County. (Only a copy of the Florida License orCounty License is required.)The following Counties currently require licensure: Dade, Broward, Palm Beach, Hillsborough,Pinellas, Sarasota and Marion. This listing is for informational purposes only and is subject to changewithout notice. To confirm registration and/or licensing requirements, contact the FloridaDepartment of Children & Families for a current listing.

X. Sinkhole

1. Any risk in which the insured location, including the residence premises, other structures, andgrounds to be insured has ever experienced a Sinkhole loss or Catastrophic Ground Cover Collapseloss, and the loss payments made by any insurer equals the policy limits for property damageprovided under Coverage A; or

2. Any risk in which the insured location, including the residence premises, other structures, andgrounds to be insured has ever experienced a partial Sinkhole loss or Catastrophic Ground CoverCollapse loss and the property has not been repaired and stabilized in accordance with theengineering recommendations upon which any payment or policy proceeds were based.

Y. Multiple Mortgages

Properties with four or more mortgages when the additional mortgagees are not governmentbacked loan programs such as FHA, VA, Fannie Mae, Freddie Mac, etc.

Z. Opening Protection

Properties insured under an HPC HO-3 with an insured value of $750,000 or more and located in thewind-borne debris region without opening protection as required by the Florida Building Code forthat area are ineligible. The OIR-B1-1802 must be completed and signed by a qualified inspector inorder to provide evidence of eligibility.

Rule 208. INSPECTIONS

A. An inspection requiring interior and exterior access may be conducted on any property insured byHeritage. Inspection information can verify wind-resistive features, risk characteristics, and/orgeneral eligibility for coverage.

B. Failure to respond to inspection requests or refusal to allow an inspection will result in one of thefollowing:

1. Removal of wind-mitigation credits if the inspection is intended to validate wind-mitigationfeatures. Credits are removed back to the inception date of the credit for existing policies.

2. Cancellation or non-renewal if the inspection is intended to validate eligibility for coverage.Cancellations and non-renewals are handled in compliance with statutory requirements andpolicy provisions.

Rule 209. STANDARD POLICY COVERAGE

Standard Policy Coverage – Declarations

The following condition shall be included in or endorsed to each policy issued:This policy is issued on behalf of Heritage Property & Casualty Insurance Company, and by acceptanceof this policy you agree:1. That the statements in the Declarations are your representations;2. That this policy is issued in reliance upon the truth of those representations; and3. That this policy represents the only agreements (relating to this policy), existing between you and

Heritage or any of our Agents.


10/2013

Rule 210. CANCELLATIONS AND NONRENEWALS

A. If insurance is canceled, the additional or return premium will be computed on a pro-rata basis,subject to the minimum premium requirement. The Company will disregard February 29 in leapyears when determining pro-rata earned premiums.

B. With respect to any residential policy covering a risk with a dwelling limit of at least $100,000 and forwhich a 2% minimum deductible is available, the Company will not non-renew such policy for thepurpose of reducing hurricane loss for one (1) renewal period.

Rule 211. COMMISSIONS

The rate of commission payable to Agents for all coverage shall be contractual. Commissions as outlinedabove shall be an Agent’s only remuneration.

Note 1: No commissions shall be payable on any Florida Hurricane Catastrophe Fund PremiumRecoupment Surcharge, Florida Insurance Guaranty Association (FIGA) surcharge, the two dollar ($2)Emergency Management Preparedness & Assistance Trust Fund Surcharge (EMPA), Managing GeneralAgent (MGA) Fee and other charges as may be provided for by Florida Statute.

Note 2: In the event any policy premiums are CHARGED OFF, commission shall only be paid oncollected earned premiums.

Rule 212. POLICY PERIOD, MINIMUM PREMIUM AND WAIVER OF PREMIUM

A. All policies shall be issued for a one (1) year term at premiums applicable on the effective date of thepolicy term.

B. The policy may be extended for successive policy periods by extension certificate based upon thepremiums, forms and endorsements then in effect for Heritage.

C. The minimum policy writing premium applicable to all policy forms shall be fifty dollars ($50).

D. Additional or return premiums of five dollars ($5) or less shall be waived. The Company shall grantany return premium due if requested by the insured.

Rule 213. SECONDARY RESIDENCE PREMISES

Homeowners coverage on a secondary residence premises must be provided under a separate policy.

Rule 214. METHOD OF PAYMENT

Heritage accepts only the following methods of payment:

A. Full Payment Plan – 100% of the total policy premium is due by the renewal effective date of thepolicy.

B. Quarterly Payment Plan

1. 40% of the total policy premium (plus $3 installment fee and a $10 one time service fee) due bythe effective date of the policy or the date of issuance, whichever is earlier.

2. 20% of the total policy premium (plus $3 installment fee) due 90 days after the policy effectivedate.



C. Semi Annual Payment Plan

1. 60% of the total policy premium (plus $3 installment fee and a $10 one time service fee) due bythe effective date of the policy or the date of issuance, whichever is earlier.


10/2013

2. 40% of the total policy premium (plus$3 installment fee) due 180 days after the policy effectivedate.

Lienholders and Mortgagees (E.g. Escrow) are not eligible for the Quarterly or Semi Annual paymentplans.

When a payment instrument is returned because of insufficient funds to pay it, the Company mayimpose a charge of $15.

Please note Heritage does not accept Premium Finance Agreements.

Rule 215. ROUNDING OF PREMIUM

Each premium shown on the policy and endorsements will be rounded to the nearest whole dollar. Apremium of fifty cents ($0.50) or more will be rounded to the next higher dollar. In no event will BasePremium Calculation for any coverage be less than one whole dollar ($1).

In the event of cancellation by the Heritage, the return premium will be carried to the next higher wholedollar.

Rule 216. POLICY CHANGES

A. If insurance is increased or reduced, the additional or return premium will be computed on a pro-rata basis.

B. All changes are made using the rules and rates in effect at the latest renewal date.

C. Hurricane deductible options may only be amended effective at the normal policy renewal date.

Exception: If a lower hurricane deductible is requested and the policy has sustained a hurricane loss inthe current calendar year, the lower deductible will not become effective until January 1 of thefollowing calendar year.

D. A policy may not be written to circumvent this restriction.

Rule 217. TRANSFER OR ASSIGNMENT

Transfers or assignments are not available.

Rule 218. RESTRICTION OF INDIVIDUAL POLICIES

If a policy would not be issued because of unusual circumstances or exposures, the named insured mayrequest a restriction of the policy provided no reduction in the premium is allowed. Such requests willbe referred to the Company.

Rule 219. MANUAL PREMIUM REVISION

A manual premium revision will be made in accordance with the following procedures.

A. The effective date of such revision will be as announced.

B. The revision will apply to any policy or endorsement in the manner described in the announcementof the revision.

C. Unless otherwise provided at the time of the announcement of the premium revision, the revisionwill not affect in-force policy forms, endorsements or premiums, until the policy is renewed.

Rule 220. MANDATORY ENDORSEMENTS

A. Windstorm Exterior Paint Exclusion – HPC 23 70

Use this endorsement with all Homeowners policies in Territories 005, 007, 010, 030, 031, 032, 033,034, 035, 037, 038, 181, 182, 183, 361 and 362.


10/2013

B. Calendar Year Hurricane Deductible – HPC 24

This mandatory endorsement describes loss by windstorm during a hurricane and how the hurricanedeductible is applied. This endorsement is mandatory for all policies with wind coverage.

C. No Coverage For Home Day Care Business – HO 04 96

This endorsement details the exclusions and restrictions of the policy with respect to a home daycare exposure. Use this endorsement with all Homeowners policies.


10/2013

HPC HO-3 – HOMEOWNERS PREMIUM CALCULATION WORKSHEET

NAMED INSURED: _______________________________________ POLICY NO: __________________

EFFECTIVE DATE: ________________________________________ TERRITORY: __________________

POLICY LIMITS: A: $________________ B: $____________ C: $____________

D: $____________ E: $____________ $100,000 $300,000 F $2,000BASE PREMIUM DETERMINATION (Do not round) Multiply Factors for Each Peril Vertically

Rating Factor Fire WaterLiability /Medical

All OtherPerils


Base Rates = = = = = = =

Territory x x x x x x x

Coverage A x x x x x x x

Coverage B x x x x x x x

Coverage C x x x x x x x

Replacement Cost on Contents

Yes Nox x x x x x x

Coverage E x x x x x x x

Increased Ordinance or Law

Yes Nox x x x x x x

Protection Class & Const. Type x x x x x x x

Townhouse or Rowhouse

Yes Nox x x x x x x

Burglar Protection Device

Yes Nox x x x x x x

Fire Protection Device and/orAutomated Sprinkler System

Yes No

x x x x x x x

Age of Home x x x x x x x

Seasonal Property

Yes Nox x x x x x x

Deductible x x x x x x x

Wind Mitigation Factors x x x x x x x

Building Code Effectiveness Grade =___________

x x x x x x x

10% Sinkhole Ded. x x x x x x x

Individual Peril Premium Totals:

(Round to the nearest whole dollar)= = = = = = =

SUBTOTAL A – BASE PREMIUM (Add all individual peril premiums in the row above together) =

ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS

Limited Fungi, Wet or Dry Rot, Yeast or Bacteria – Sect. I $25,000 = $45; $50,000 = $72 +

Limited Fungi, Wet or Dry Rot, Yeast or Bacteria – Sect. II $6 for liability increase to $100,000 +

Other Structures – Increased Limits $4 x ( ) (per $1,000) +

Structures Rented to Others – Residence Premises (Property) $6 x ( ) (per $1,000) +

Structures Rented to Others – Residence Premises (Liability) $38 +

Permitted Incidental Occupancy – Property (Other Structures) $6 x ( ) (per $1,000) +

Permitted Incidental Occupancy – Liability $18 +

Loss Assessment Coverage Increase Look up value on Loss Assessment table in rating manual. +

Identity Theft Expense and Resolution Services Coverage $25 +

Screen Enclosure +

SUBTOTAL B =

SUBTOTAL ADJUSTMENT

SUBTOTAL (SUBTOTAL A + B above) or Minimum Premium ($50) – Enter whichever is greater = ___________ =

GRAND SUBTOTAL (Apply Capping Rule if necessary) =

MANDATORY ADDITIONAL SURCHARGES

MGA Fee + $ 25.00

Emergency Management Preparedness and Assistance Trust Fund Surcharge + $ 2.00

________ Florida Insurance Guaranty Association Regular Assessment +

________ Florida Insurance Guaranty Association Emergency Assessment +

________ Citizens Property Insurance Corporation Regular Assessment +

________ Citizens Property Insurance Corporation Emergency Assessment +

SUBTOTAL C – Total Mandatory Additional Surcharges =

TOTAL ESTIMATED PREMIUM: (Grand Subtotal + Subtotal C) =


11/2013

HPC HO-6 – HOMEOWNERS PREMIUM CALCULATION WORKSHEET

NAMED INSURED: ______________________________________ POLICY NO: ___________________

EFFECTIVE DATE: _______________________________________ TERRITORY: ___________________

POLICY LIMITS: A: $_______________ C: $____________ D: $____________

E: $_______________ $100,000 $300,000 F: $2,000BASE PREMIUM DETERMINATION (Do not round) Multiply Factors for Each Peril Vertically

Rating Factor Theft All Other Perils Hurricane Other Wind

Base Rates

Territory x x x x

Coverage C x x x x

Replacement Cost on Contents

Yes Nox x x x

Coverage E x x x x

Protection Class & Const. Type x x x x

Burglar Protection Device

Yes Nox x x x

Fire Protection Device and/or

Automated Sprinkler System

Yes No

x x x x

Seasonal Property

Yes Nox x x x

Deductible x x x x

Wind Mitigation Factors x x x x

Building Code Effectiveness Grade = ___________ x x x x

Individual Peril Premium Totals:

(Round to the nearest whole dollar)= = = =

SUBTOTAL A – BASE PREMIUM (Add all individual peril premiums in the row above together) =

ADDITIONAL COVERAGE OPTIONS AND ENDORSEMENTS

Limited Fungi, Wet or Dry Rot, Yeast or Bacteria – Sect. I $25,000 = $45; $50,000 = $72 for property increase +

Limited Fungi, Wet or Dry Rot, Yeast or Bacteria – Sect. II $6 for liability increase to $100,000 +

Permitted Incidental Occupancy – Liability $18 +

Coverage A Dwelling Special Coverage $2 + ($1 x { } each additional $1,000 {per $,000}) +

Loss Assessment Coverage Increase Look up value on Loss Assessment table in rating manual. +

Condo Increased Coverage A with 25% Ordinance & Law Sum of (Produce of Individual Peril Base Rates, Territory Factors,Protection/Construction Factors, Wind Mitigation Factors) x .040 x[(Coverage A - $1,000) / 1,000]

+

Condo Increased Coverage A with 50% Ordinance & Law Sum of (Produce of Individual Peril Base Rates, Territory Factors,Protection/Construction Factors, Wind Mitigation Factors) x .045 x[(Coverage A - $1,000) / 1,000]

+

Unit Regularly Rented to Others Base Premium ( ) x 0.25 = +

Identity Theft Expense and Resolution Services Coverage $25 +

SUBTOTAL B =

SUBTOTAL ADJUSTMENT

SUBTOTAL (SUBTOTAL A + B above) or Minimum Premium ($50) – Enter whichever is greater = ___________ =

GRAND SUBTOTAL (Apply Capping Rule if necessary) =

MANDATORY ADDITIONAL SURCHARGES

MGA Fee + $ 25.00

Emergency Management Preparedness and Assistance Trust Fund Surcharge + $ 2.00

________ Florida Insurance Guaranty Association Regular Assessment +

________ Florida Insurance Guaranty Association Emergency Assessment +

________ Citizens Property Insurance Corporation Regular Assessment +

________ Citizens Property Insurance Corporation Emergency Assessment +

SUBTOTAL C – Total Mandatory Additional Surcharges =

TOTAL ESTIMATED PREMIUM: (Subtotal A + Subtotal B + Subtotal C) =

heritage property & casualty insurance company select homeowners … · 2014-05-21 · heritage...

Documents