homeowners program manual – florida · united property & casualty insurance company...

United Property & Casualty Insurance Company HOMEOWNERS MANUAL

UNITED PROPERTY & CASUALTY INSURANCE COMPANY

HOMEOWNERS PROGRAM MANUAL – FLORIDA

New Business Effective 5/7/2016 Renewal Business Effective 6/22/2016

UNITED INSURANCE MANAGEMENT, LC

Managing General Agent

UPC Florida HO Manual 5/16 1

APPROVEDDate Received: Date Of Action:1/19/2016 04/20/2016

FL OFFICE OF INSURANCE REGULATION


Underwriting Guidelines

1. Coverages, Forms and Limits Available ...................................................................................... HO-1-1 2. Deductible Options ....................................................................................................................... HO-2-1 3. General Underwriting Requirements ........................................................................................... HO-3-1 4. Ineligible Risks

A. Property Type and Characteristics ........................................................................................ HO-4-1 B. Location ................................................................................................................................. HO-4-1 C. Occupancies .......................................................................................................................... HO-4-2 D. Applicant Characteristics and Loss History ........................................................................... HO-4-2 E. Liability Exposures ................................................................................................................ HO-4-2

5. Binding Authority .......................................................................................................................... HO-5-1 6. Application and Submission Requirements ................................................................................. HO-6-1 7. Loss Settlement Conditions ......................................................................................................... HO-7-1 8. Payment Plans ............................................................................................................................. HO-8-1 9. Individual Insurance Financial Scoring ......................................................................................... HO-9-1

General Rules 100. Description of Coverages.......................................................................................................... HO-100-1 110. Mandatory Coverages ............................................................................................................... HO-110-1 120. Eligibility .................................................................................................................................... HO-120-1 130. Secondary Residence Premises ............................................................................................... HO-130-1 140. Seasonal Dwelling Definition .................................................................................................... HO-140-1 150. Policy Period ............................................................................................................................. HO-150-1 160. Protection Classification Codes and Information ...................................................................... HO-160-1 170. Method of Payment ................................................................................................................. HO-170-1 180. Changes or Cancellations ......................................................................................................... HO-180-1 190. Construction Definitions ............................................................................................................ HO-190-1 195. HardieBoard / Hardiplank Credit ………………… .................................................................... HO-195-1 200. Single Building Definition .......................................................................................................... HO-200-1 210. Minimum Premium .................................................................................................................... HO-210-1 220. Manual Premium Revision ........................................................................................................ HO-220-1 230. Transfer or Assignment ............................................................................................................. HO-230-1 240. Waiver of Premium ................................................................................................................... HO-240-1 250. Whole Dollar Premium Rule...................................................................................................... HO-250-1 260. Restriction of Individual Policies ............................................................................................... HO-260-1 300. Base Premium Computation ..................................................................................................... HO-300-1 310. Ordinance or Law Coverage ..................................................................................................... HO-310-1 400. Superior Construction ............................................................................................................... HO-400-1 410. Townhouse or Rowhouse – HO 00 03 Only ............................................................................. HO-410-1 420. Personal Property (Coverage C) Valuation – Replacement Cost/Actual Cash Value .............. HO-420-1 430. Protective Devices .................................................................................................................... HO-430-1 440. Deductibles ............................................................................................................................... HO-440-1 450. Additional Amounts of Insurance – HO 00 03 Only .................................................................. HO-450-1 455. Coverage B Limit Factor – HO 00 03 Only ..................................................... …………………HO-455-1 460. Actual Cash Value Loss Settlement – Windstorm or Hail Losses to Roof Surfacing – All

Forms Except HO 00 04 ........................................................................................................... HO-460-1 470. Older Home Surcharge – HO 00 03 Only ................................................................................. HO-470-1 475. Year of Construction Rate Factor – HO 00 03 Only ................................................................. HO-475-1 476. Water Damage Exclusion – HO 00 03 and HO 00 06 Only ...................................................... HO-476-1 477. Limited Water Damage Coverage – HO 00 03 and HO 00 06 Only ......................................... HO-477-1 480. Loss/Claim Free Renewal Credit – HO 00 03 Only …... .......................................................... HO-480-1 490. Inflation Guard – HO 00 03 Only .............................................................................................. HO-490-1 500. Business Property – Increased Limits ...................................................................................... HO-500-1 510. Credit Card, Fund Transfer Card, Forgery and Counterfeit Money .......................................... HO-510-1 520. Fire Department Service Charge .............................................................................................. HO-520-1 530. Form HO 00 06 – Coverage A Dwelling Basic and Increased Limits and Special Coverage .. HO-530-1 540. Form HO 00 06 – Units Regularly Rented To Others ............................................................... HO-540-1 550. Permitted Incidental Occupancies – Residence Premises ....................................................... HO-550-1 560. Special Computer Coverage ..................................................................................................... HO-560-1 UPC Florida HO Manual 12/14 09/08/14 I


General Rules (Continued) 565. Equipment Breakdown Coverage – HO 00 03 & HO 00 06 Only ............................................. HO-565-1 570. Loss Assessment Coverage ..................................................................................................... HO-570-1 580. Other Structures ........................................................................................................................ HO-580-1 585. Flood Policy Credit .................................................................................................................... HO-585-1 590. Refrigerated Personal Property ................................................................................................ HO-590-1 600. Personal Property – Increased and Reduced Limits ................................................................ HO-600-1 610. Scheduled Personal Property ................................................................................................... HO-610-1 615. Limited Screen Enclosure and Carports Coverage – HO 00 03 Only.…………………………..HO-615-1 620. Golf Cart Physical Damage....................................................................................................... HO-620-1 630. Water Back Up and Sump Overflow ......................................................................................... HO-630-1 640. Water Loss Prevention Credit ................................................................................................... HO-640-1 645. Limited Fungi – Property Coverage .......................................................................................... HO-645-1 650. Windstorm or Hail Exclusion Base Premium Credit ................................................................. HO-650-1 655. Identity Theft Restoration and Expense Coverage ................................................................... HO-655-1 660. Hurricane Premium Split ........................................................................................................... HO-660-1 665. Sinkhole Coverage .................................................................................................................... HO-665-1 670. Windstorm Resistive Features of Residential Construction ...................................................... HO-670-1 675. Evacuation Coverage ................................................................................................................ HO-675-1 680. Building Code Effectiveness Grading ....................................................................................... HO-680-1 700. Premier Protective Endorsement – HO 00 03 Only .................................................................. HO-700-1 710. Premier Protective Plus Endorsement – HO 00 03 Only .......................................................... HO-710-1 720. Premier Protective Condominium Endorsement – HO 00 06 Only........................................... HO-720-1 730. Premier Mini-Farm Endorsement – HO 00 03 Only .................................................................. HO-730-1 800. Basic and Increased Limits – Residence Premises .................................................................. HO-800-1 810. Other Structures Rented to Others – Residence Premises ...................................................... HO-810-1 820. Permitted Incidental Occupancies – Residence Premises ....................................................... HO-820-1

840. Personal Injury .......................................................................................................................... HO-840-1 850. Animal Liability Limited Coverage ............................................................................................. HO-850-1 860. Limited Fungi – Liability Coverage ............................................................................................ HO-860-1

Fees and Surcharges 900. Policy Fee ................................................................................................................................. HO-900-1 910. Emergency Management Preparedness and Assistance Trust Fund Surcharge .................... HO-910-1 920. Florida Insurance Guarantee Association Assessment ............................................................ HO-920-1 930. Citizens Assessment Recoupment ........................................................................................... HO-930-1

Territory Definitions AOP Territory Definitions and ISO Territory Reference Table ................................................................... HO-T-1 Wind Territory Definitions Table ................................................................................................................ HO-T-4

Rate Tables 300. Base Premium Determination – Table Index .............................................................................. HO-T-12

A. AOP Base Class Premium Table – All Forms ...................................................................... HO-T-13 B.1 Wind Base Class Premium/Wind Exclusion Credit Table – HO 00 03 ................................. HO-T-14 B.2 Wind Base Class Premium/Wind Exclusion Credit Table – HO 00 04 & HO 00 06………. .HO-T-15 C. Protection/Construction Factors – HO 00 03 ....................................................................... HO-T-16 D.1 AOP Key Factor Table – H0 00 03 ....................................................................................... HO-T-17 D.2 Wind Key Factor Table – H0 00 03 ...................................................................................... HO-T-18 E. Protection/Construction Factors – HO 00 04 ....................................................................... HO-T-19 F. Key Factor Table – H0 00 04 ............................................................................................... HO-T-20 G. Protection/Construction Factors – HO 00 06 ....................................................................... HO-T-21 H. Key Factor Table – H0 00 06 ............................................................................................... HO-T-22 I. Sinkhole Exclusion Table – HO 00 03 .................................................................................. HO-T-23

660. Hurricane Premium Split Table .................................................................................................. HO-T-24 680. Building Code Effectiveness Grading Credit Tables ................................................................... HO-T-25

UPC Florida HO Manual 12/14 09/08/14 II

830. Golf Cart Liability .....................................................................................................................HO-830-1


UPC Protector HO Manual 05/14 05/07/14 HO-1-1

UNDERWRITING GUIDELINES

1. Coverages, Forms and Limits

HO 00 03 – Homeowners Policy

HO 00 04 – Tenant Homeowners Policy

HO 00 06 – Condominium Unit Owners Policy The limits available under this program are: Section I Property Coverages

COVERAGE HO-3 HO-4 HO-6

A – Dwelling $100,000 Minimum $1,500,000 Maximum

N/A $5,000 Minimum $300,000 Maximum

B – Other Structures

2% of Coverage A - can be increased to 10% - can be increased to 5% - can be decreased to 1% - can be excluded

N/A

N/A

C – Contents

50% of Coverage A - can be increased to 75% - can be decreased to 25% - can be excluded

$10,000 Minimum $150,000 Maximum

$10,000 Minimum $300,000 Maximum

D – Additional Living Expense*

20% of Coverage A 20% of Coverage C 40% of Coverage C

Section II Liability Coverages

E – Personal Liability** $100,000 Minimum; $300,000 or $500,000 Options

F – Medical Payments** $1,000 Minimum; $2,000, $3,000, $4,000, or $5,000 Options

* Additional Living Expense – See Loss Settlement Conditions. ** Coverage E limits apply on a “per occurrence” basis; Coverage F limits apply on an “each person” basis.



2. Deductible Options (see Rule 440)

Form A.O.P. $500 $500 $500 $1,000 $2,500 $1,000 $2,500 $5,000 $500 $1,000 $2,500 $5,000 $500 $1,000 $2,500 $5,000

Hurricane $500 1% 2% 1% 1% 2% 2% 2% 5% 5% 5% 5% 10% 10% 10% 10%

HO-3 Cov. A

Wind +.25 +.14 +.11 +.04 +.02 Incl. -.16 -.22 -.04 -.09 -.25 -.38 -.18 -.28 -.33 -.41

X-Wind +.15 N/A N/A N/A N/A Incl. -.22 -.35 N/A N/A N/A N/A N/A N/A N/A N/A

HO-4 Cov. C

Wind +.30 +.18 +.14 +.06 +.03 Incl. -.24 -.32 -.09 -.17 -.41 -.51 -.20 -.29 -.49 -.65


HO-6 Cov. C

Wind +.30 +.18 +.14 +.06 +.03 Incl. -.24 -.32 -.09 -.17 -.41 -.51 -.20 -.29 -.49 -.65


Notes: 1. The hurricane deductible shall apply on an annual basis to all covered hurricane losses that occur during a

calendar year, regardless of the policy term. 2. In accordance with Florida Statutes 627.701(3)(b)3, the offer of a $500 hurricane deductible is not required

provided the insurer offers a policy that it guarantees it will not non-renew for reasons of reducing hurricane loss for one renewal period and that contains up to a 2 percent hurricane deductible.



3. General Underwriting Requirements

A. Dwellings must be insured to 100% of replacement cost. B. Dwellings must be protected by smoke detectors in good working order located close to the kitchen and

all sleeping areas.


UPC Protector HO Manual 05/14

HO-4-1

4. Ineligible Risks (these eligibility guidelines apply to both New and Renewal business, unless shown otherwise)

A. Property Type and Characteristics 1. Roof covering is not: 15 years old or newer if 3-tab composition shingle; 20 years old or newer if

architectural composition shingle; 30 years old or newer if metal; 40 years old or newer if slate or tile.

2. Electrical system is not a minimum of 100 amp service. Knob and tube wiring, aluminum wiring,fuses, Federal Pacific Electric (FPE) or Sylvania or Zinsco electrical panels, and no Ground FaultCircuit Interrupters (CFCI) outlets where water might come in contact with the electrical wiring, are

unacceptable.3. Plumbing is not copper, cast iron or PVC. Lead, galvanized steel and polybutylene are unacceptable.

Plumbing not updated within the last 20 years.

4. Dwellings that contain a Central heating system more than 20 years old, or a furnace that has notbeen completely rebuilt within the last 20 years.

5. Townhouses or rowhouses in buildings of more than 4 units, unless separated from units on either

side by masonry firewalls, with parapets extending through the roof at least 15 inches.6. Historical dwellings (i.e. listed on a historical register).7. Dwellings that are in the course of construction for more than 9 months.

8. Dwellings in poor condition, with unrepaired damage, and/or that have poorly maintained paint, stain,caulking, screens, windows or doors.

9. Dwellings with EFIS (e.g. Dryvit) or asbestos.

10. Dwellings with market value less than 80% of replacement cost.11. Dwellings with a roof covering other than: Composition shingle, metal, slate or tile.12. 1- and 2-family properties with flat or slightly pitched roofs (less than 3:12 pitch) that are covered with

any type of rolled composition material and/or painted-on roof tar, roof patch, or roofing cement olderthan 5 years.

13. Mobile/manufactured homes, motor homes, pre-fabricated/modular homes, houseboats, house

trailers or trailer homes.14. Dwellings with open foundations (unless completely enclosed by masonry skirting), homes built on

pilings/piers for flood control purposes are acceptable.

15. Dwelling with wood stoves, pellet stoves, coal stoves, and/or fireplace inserts (unless inspected toverify proper installation that meets current code).

16. Risks that have been previously rejected, canceled or non-renewed for something other than

reduction of hurricane exposure should be referred to underwriting.17. Dwellings also insured under another insurance policy, except Citizens Property Insurance

Corporation (CPIC) and the National Flood Insurance Program (NFIP) policies.

B. Location 1. Dwellings located entirely or in part over any body of water.2. Dwellings located in Protection Class 10, unless qualifying under Protected Subdivision Rule 160.C.

3. Dwellings where prior sinkhole activity has occurred and repairs have not been made to thepremises. Documentation must certify that the property has been stabilized and all necessary repairshave been made.

4. Isolated properties, which are defined as those that are not visible from at least two other dwellingsor in sight of a public road.

5. Properties subject to brush or wild fire.

6. Dwellings located in an area that has been condemned for any reason, including urban renewal orhighway construction.

7. If Windstorm or Hail Coverage is excluded, the property must be protected by a CPIC policy with

matching coverage limit.8. Dwellings located in Special Flood Hazard Areas (SFHA) (Zones A, AO, AH, A1-30, AE, A99, AR,

AR/A1-30, AR/AE, AR/AO, AR/AH, AR/A, VO, V1-30, VE and V), unless a National Flood Insurance

Plan (NFIP) policy has been purchased with matching building and content limits (or the maximumavailable).



C. Occupancies 1. Dwellings which are part of a “working farm.” “Working farms” are defined as properties with any

livestock (such as cows, horses, hogs, goats, etc.), properties on which row crops are grown (other than a domestic garden), or properties with income producing farming operations.

2. Vacant properties, properties unoccupied more than 9 months in a 12-month period, or properties in foreclosure.

3. Properties with continuous unoccupancy of over three consecutive months during any one year period unless it is protected by at least one of the following: a. Central station fire and burglar alarm system b. Located in a gated community c. Located in a multi-unit building protected by a security guard and/or with controlled access d. Actively managed by a property management firm who checks on the property on a regular (e.g.

at least weekly) basis 4. Multi-family dwellings for three or more families. 5. Dwellings primarily used for business or with incidental business occupancies, other than an office. 6. Dwellings with home day care exposures. 7. Dwelling with assisted living activity exposures.

D. Applicant Characteristics and Loss History 1. Applicants who have ever been convicted of insurance fraud, including arson. 2. Applicants who have experienced two or more losses of any kind (except for a documented

catastrophe loss) in the previous three (3) years, unless it can be demonstrated that the causes of loss have been corrected (evidence must be submitted to the Company for approval prior to binding). No account will be non-renewed due to a loss that is the result of an Act of God, a partial sinkhole loss, or one water damage claim, unless the insured has not taken action to prevent a future similar occurrence of damage to the insured property. Applicants with previous fire or liability losses should be referred to the company prior to binding.

E. Liability Exposures 1. Animal exposures

a. Any livestock or saddle animal exposure exists on the premises (see Rule 730 for exceptions). b. Any vicious, dangerous, or exotic animals that are owned or kept by the insured or a tenant,

including, but not limited to dangerous breeds of dogs, lions, tigers, snakes, and other exotic animals. 1) The following breeds or types of dogs are deemed dangerous per se (due to temperament,

strength/musculature, and/or size), thereby rendering the risk ineligible to receive this coverage under any circumstances: a) Akita b) Alaskan Malamute c) American Bull Dog d) American Eskimo Dog (member of the Spitz family) e) American Staffordshire Terrier f) Beauceron g) Bullmastiff (all Mastiffs) h) Bull Terrier i) Cane Corso j) Caucasian Ovcharka (Mountain Dog) k) Chow Chow l) Doberman Pinscher (miniature Dobermans are acceptable) m) German Shepherd n) Giant Schnauzer o) Korean Jindo p) Mastiff (all Variations) q) Perro de Presa Canario r) “Pit Bull” s) Rottweiler t) Siberian Husky u) Staffordshire Bull Terrier v) Thai Ridgeback



w) Wolf-dog hybrid 2) Additional Restrictions are:

a) Any mixed breed dog containing any of the above breeds b) Any dog that has ever been trained as and/or used as a guard dog or attack dog c) Any dog that has ever been trained or used by the military or police for: d) Enforcing public order by chasing and holding suspects by the threat of being released,

either by direct apprehension or a method known as “Bark and Hold” e) Dogs trained for search and rescue, explosive detection, arson investigation, etc. are

not ineligible for coverage solely due to their training and experience f) Any dog belonging to a breed that was historically bred for fighting g) Any dog that has ever bitten anyone or has exhibited aggressive behavior towards

people 3) Contact UPC’s Underwriting Department for clarifications or further discussion in the event

of any uncertainty or questions. 2. Other exposures.

a. Applicants who own off-road all-terrain/recreational vehicles (see Rule 730 for exceptions). b. Swimming pools and hot tubs:

1) Unless the pool is protected by a locking fence at least four-feet high, or by an alternately approved, secure enclosure, or (for above ground pools) the outer ladder steps flip up and are locked into place to prevent unwanted entry.

2) Diving boards, diving platforms, and slides are not permitted. 3) Unless the hot tub has a locking cover or is protected by a locking fence at least four-feet

high. c. There is a trampoline on the premises. d. There is a tree house on the premises. e. Limit the extension of liability to a maximum of four rental properties that are owned by our named

insured(s).



5. Binding Authority Agents have the authority to bind coverage on any risk that is not identified as “ineligible” in the Ineligible Risks section of this underwriting guide. Agent’s authority is for the limits stated and the forms of coverage outlined in the various sections of this guide. Any exceptions must be referred to the Company for approval prior to binding. Agent’s binding authority for new business, or for increases in coverage on existing business is suspended immediately when the National Hurricane Center (NHC) of the National Weather Service has issued a Tropical Storm Watch, Tropical Storm Warning, Hurricane Watch, or Hurricane Warning for any coastal area of Florida. Renewals will only be issued on an “as expiring” basis for coverage and perils; limits will only be increased to keep pace with established inflation factors. The Company will restore binding authority as soon as the NHC lifts the storm designation for all affected Florida coastal areas. If any exceptional circumstances exist which warrant the Company giving consideration to acceptance of additional liability, the line must be submitted to the Company’s Underwriting Department for approval. An example is when coverage is required in order to close on the purchase of a home – in this situation, the agent must contact the Company for approval, and proof of the real estate closing must accompany the application along with the appropriate payment.



6. Application and Submission Requirements

A. Applications All submissions must be made on forms approved by the Company and must be signed. Applications must be complete and accompanied by a check for the full amount of the calculated premium, or installment premium on Premium Payment Plans, with checks payable to United Property & Casualty Insurance Company. Checks must be forwarded to the Company within 5 business days of binding. Original signed applications and all other required documentation must be maintained in the agent’s files. The Company will perform periodic audits of the agent’s files to ensure compliance with all rules and guidelines.

B. Additional Information: Submissions may require information other than that shown on the application. Agents should obtain any information that helps to support acceptance of the risk being submitted, especially when the information on the application calls for more explanation or when this manual indicates that additional information is required. Such cases include, but are not limited to:

Documentation of updates to roofing, heating, wiring, plumbing, etc.

Determination of replacement cost

Appraisals on jewelry or fine arts schedules

Evidence of CPIC or NFIP coverage, if required



7. Loss Settlement Conditions

Coverage Form HO 00 03 Form HO 00 04 Form HO 00 06

A – Dwelling Replacement Cost N/A Replacement Cost

B – Other Structures Replacement Cost N/A N/A

C – Contents Replacement Cost* Replacement Cost* Replacement Cost*

D – Additional Living Expense** Actual Costs Incurred Actual Costs Incurred Actual Costs Incurred

* Actual Cash Value cost coverage available for a return premium. ** Loss reimbursements under this section are subject to a maximum recovery of 1/12 of the stated aggregate

limit for each month that conditions exist which render the dwelling unfit for normal use. NOTE: HO 00 04 has a mandatory $1,000 deductible on theft.



8. Payment Plans (see Rule 170. for details)

1 Pay Plan: Full payment at inception.

2 Pay Plan: 50%/50%, plus a $3 service charge with each installment.

3 Pay Plan: 40%/30%/30%, plus a $3 service charge with each installment.

4 Pay Plan: 25%/25%/25%/25%, plus a $3 service charge with each installment.

11 Pay Play: 11 equal monthly installments, automatically deducted from insured’s bank account, plus a $1 service charge with each installment.

Quarterly Pay Plan: 40% of the total premium, plus fees, at the inception of the policy with the remaining 60% of the premium due in three equal installments of 20% 90, 180, and 270 days after inception of the policy. A $3 service charge is applicable to all installments.

Semiannual Pay Plan: 60% of the total premium, plus fees, at the inception of the policy with the remaining 40% of the premium due 180 days after the inception of the policy. A $3 service charge is applicable to both installments.

Date Received: Date Of Action:

APPROVED

2/7/2014 05/5/2014FL OFFICE OF INSURANCE REGULATION



9. Individual Insurance Financial Scoring

A. The Insurance Financial Scoring of all named insureds will be reviewed in compliance with section 626-

9741, F.S. and Florida Rule 69B-125.004. Credit is evaluated along with prior claim history, and other risk factors.

B. Credit history is ordered and an Insurance Financial Score is determined on the Name Insured only for all new business policies. Agent must obtain permission from the applicant prior to requesting the credit report.

C. Any applicant with a score lower than 600 and a non-catastrophe loss in the last 3 years OR score lower than 600 and a year of construction before 2002 is ineligible for coverage.

D. In no instance, whether when reviewing new business or renewals, will the insurance financial score be the sole basis of determining an individual’s acceptability.


UPC Protector HO Manual HO-100-1 05/14 05/07/14

GENERAL RULES

100. Description of Coverages A. Section I Coverages – Property Damage

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

HO 00 03 HO 00 04 HO 00 06

Fire or Lightning Yes* Yes Yes

Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles or Smoke

Yes* Yes Yes

Vandalism or Malicious Mischief Yes* Yes Yes

Theft Yes* Yes Yes

Volcanic Eruption Yes* Yes Yes

Falling Objects, Weight of Ice, Snow or Sleet, Accidental Discharge or overflow of Water or Steam, Sudden and Accidental Tearing Apart of a Heating System or Appliance heating water, Freezing, Sudden and Accidental Damage from artifically generated Electrical Current

Yes* Yes Yes

Additional risks with certain exceptions

Yes**

No No

* Special Coverage (Coverages A and B), Named Peril (Coverage C)

** Special Coverages (Coverages A, B and D)

B. Section II Coverages – Liability – All Forms 1. Coverage E – Personal Liability – Covers payments on behalf of any insured for all sums which

the insured shall become legally obligated to pay as damages because of bodily injury or property damage arising out of an insured’s premises or personal activities.

2. Coverage F – Medical Payments to Others – Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured’s premises or personal activities.



110. Mandatory Coverages

It is mandatory that insurance be written for all coverages provided under both Section I and II of the Homeowners Policy.



120. Eligibility

A. Form HO 00 03 - A Homeowners Policy may be issued:

1. To the owner-occupant(s) of a dwelling which is used exclusively for private residential purposes (except as provided in Rule 120.F.) and contains not more than 2 families and with not more than 2 boarders or roomers per family; or

2. To the purchaser-occupant(s) who has entered into a long term installment contract for the purchase of the dwelling and who occupies the dwelling but to whom title does not pass from the seller until all the terms of the installment contract have been satisfied. The seller retains title until completion of the payments and in no way acts as a mortgagee. The seller’s interest in the building and premises liability may be covered using Endorsement HO 04 41 – Additional Insured; or

3. To the occupant of a dwelling under a life estate arrangement when the Coverage A amount is at least 80% of the dwelling’s replacement cost. The owner’s interest in the building and premises liability may be covered using Endorsement HO 04 41 – Additional Insured; or

4. To cover dwellings in the course of construction provided the policy is issued only in the name of the intended owner-occupant(s) of the dwelling. It is permissible to extend the Homeowners Policy, without additional premium charge, to cover the interest of a non-occupant joint owner in the building and for premises liability. Use Endorsement HO 04 41 – Additional Insured.

B. Form HO 00 04 - A Homeowners Policy may be issued to: 1. The tenant(s) (non-owner) of a dwelling or an apartment situated in any building; or 2. The owner-occupant(s) of a dwelling, cooperative unit or of a building containing an apartment not

otherwise eligible for a Homeowners Policy under Rule 120.A. above; provided the residence premises occupied by the insured is used exclusively for residential purposes (except as provided in Rule 120.F.), and is not occupied by more than one additional family or more than two boarders or roomers.

C. Form HO 00 06 – A Homeowners Policy may be issued to: A Homeowners Policy may be issued to the owner(s) of a condominium or cooperative unit which is used exclusively for residential purposes (except as provided in Rule 120.F.), and is not occupied by more than one additional family or more than two boarders or roomers.

D. Subject to all other sections of this rule, a Homeowners Policy may be issued to cover a seasonal dwelling. (See Rule 140).

E. A Homeowners Policy shall not be issued to cover any mobile home, trailer home, or housetrailer. F. Certain business occupancies are permitted, provided:

1. The premises is occupied principally for private residential purposes; and 2. There is no other business occupancy on the premises. When the business is conducted on the residence premises, refer to Rule 550 for Section I Coverage and Rule 820 for Section II Coverage. When the business is not conducted from the residence premises, this coverage is not available.

G. All policies are issued with the mandatory HO 04 96 04 91 – No Coverage – Home Day Care exclusion endorsement. No policy shall be issued for an occupancy where child care is provided to unrelated individuals for compensation, unless all of the following criteria are met: 1. A current copy of a Certificate of Insurance from the insurer providing Commercial Liability coverage

at limits equal to or greater than the Company Personal Liability limits is provided to the Company. 2. A current copy of the Florida Department of Children and Families “Family Child Care Home

Certificate of License”, or a copy of the current Child Care License for the covered premises issued by the county of jurisdiction is provided to the Company prior to issuance or renewal of each policy period.


UPC Production HO Manual HO-130-1 05/14 05/07/14

130. Secondary Residence Premises

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



140. Seasonal Dwelling Definition

A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one-year period.



150. Policy Period

A policy may be written for a period of one year and may be extended for successive policy periods by extension certificate based upon the forms, premiums and endorsements then in effect for the Company.



160. Protection Classification Codes and Information

A. Codes

For Protection Class 1 2 3 4 5 6 7 8 9 10

Use Code 01 02 03 04 05 06 07 08 09 10 (Ineligible)

B. Protection Information The Protection Class listings in the Public Protection Classification manual apply to risks insured under Homeowners Program policies. Use the Protection Class of the policy to determine the Base Class Premium for the policy. 1. The protection class indicated applies in a municipality or classified area where a single class of fire

protection is available throughout (8, 7, 6, etc.). 2. In a classified area where two or more classifications are shown (e.g. 6/9), the classification is

determined as follows:

Distance to Fire Station Class

5 road miles or less with hydrant* within 1,000 feet, use first protection class (e.g. 6-9 would use Class 6)

-

5 road miles or less with hydrant* beyond 1,000 feet 9 (Ineligible)

9

Over 5 road miles 10

* Hydrant distance requirement does not apply when an alternative credible water supply is available. Refer to footnotes under specific communities in Public Protection Classification Manual for applicability.

C. Protected Subdivision Rule A dwelling located in a recognized subdivision, which is currently located in a fire protection class 9 or 10 community, will receive the rating of the responding fire department if all of the following requirements are met: 1. The subdivision is under development with recorded plat and has paved all-weather roads where

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

2. The subdivision contains at least 10 houses. 3. The subdivision is within 5 miles travel distance of a responding fire department. 4. The home is located within 1,000 feet of a standard fire hydrant, or the responding fire department

is equipped to transport an adequate water supply for fighting a fire, or the responding fire department is equipped to pump water from swimming pools or other sources of water within 1,000 feet of the home.

Note: If a dwelling is located in a fire protection class 9 or 10 community and qualifies for protected subdivision rating under this rule, the application must be documented accordingly.



170. Method of Payment

The Company accepts the following methods of payment: A. 1 Pay Plan: Full payment of the total annual premium plus all policy fees at the inception of the policy. B. 2 Pay Plan: 50% of the total premium, plus fees, at the inception of the policy with the remaining 50% of

the premium due 60 days after the inception of the policy. A $3 service charge is applicable to both installments.

C. 3 Pay Plan: 40% of the total premium, plus fees, at the inception of the policy with the remaining 60% of the premium due in two equal installments 60 and 120 days after the inception of the policy. A $3 service charge is applicable to all installments.

D. 4 Pay Plan: 25% of the total premium, plus fees, at the inception of the policy with the remaining 75% of the premium due in three equal installments 60, 120, and 180 days after the inception of the policy. A $3 service charge is applicable to all installments.

E. 11 Pay Play: 11 equal monthly installments automatically deducted from insured’s bank account. A $1 service charge is applicable to all installments.

F. Quarterly Pay Plan: 40% of the total premium, plus fees, at the inception of the policy with the remaining 60% of the premium due in three equal installments of 20% 90, 180, and 270 days after the inception of the policy. A $3 service charge is applicable to all installments.

G. Semiannual Pay Plan: 60% of the total premium, plus fees, at the inception of the policy with the remaining 40% of the premium due 180 days after the inception of the policy. A $3 service charge is applicable to both installments.


2/7/2014 05/5/2014Date Received: Date Of Action:

APPROVED



180. Changes or Cancellations A. It is not permissible to cancel any of the mandatory coverages in the policy unless the entire policy is cancelled. B. If insurance is increased, cancelled or reduced, the additional or return premium shall be calculated on a pro rata

basis, subject to the minimum premium requirement.



190. Construction Definitions

A. Frame – Exterior walls of wood or other combustible construction, including iron-clad wood, stucco on wood, plaster

on combustible supports, HardieBoard, or aluminum or plastic siding over frame. B. Masonry Veneer – Exterior walls of wood or other combustible construction on combustible supports, veneered with

brick, or stone. C. Masonry – Exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow

concrete block, stone, tile or similar materials and floors and roof of combustible construction (disregarding floors resting directly on the ground).

D. Superior (see Rule 400 for rating information) 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 B. above) and

floors and roof of metal or other non-combustible materials. 3. Fire Resistive – Exterior walls, floors and roof constructed of masonry or other fire resistive materials.

Note: Mixed (Masonry/Frame) – a combination of both frame and masonry construction shall be classed and coded as

frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class as masonry.


195. HardieBoard / Hardiplank Credit

A 5% credit will be applied to any eligible frame construction dwelling built with hardiplank siding construction. To calculate the premium credit, multiply the AOP Base Class Premium by 0.05.

UPC Florida HO Manual HO-195-1 12/14 09/08/14



200. Single Building Definition A. All buildings or sections of buildings which are accessible through unprotected openings shall be considered as a

single building. B. Buildings which are separated by adequate clear space shall be considered separate buildings. C. Buildings or sections of buildings which are separated by:

1. A 6-inch reinforced concrete or an 8-inch masonry party wall; or 2. A documented minimum two-hour non-combustible wall which has been laboratory tested for independent

structural integrity under fire conditions which pierces the roof and extends above it for at least 15 inches, and which pierces or extends to the innerside of the exterior masonry wall shall be considered separate buildings. Access between buildings with independent walls or through masonry party walls described above shall be protected by at least a Class A Fire Door installed in a masonry wall section.



210. Minimum Premium

A. The minimum annual premium charged for each policy shall be as follows:

1. Applicable to HO3 wind-covered policies only: a. Coastal territories .3% of Coverage A b. Inland territories .2% of Coverage A c. The minimum premium will not be less than $300 nor exceed $1,000

2. Applicable to HO4 and HO6 wind-covered policies only: a. Coastal territories .3% of Coverage C b. Inland territories .2% of Coverage C c. The minimum premium will not be less than $150 nor exceed $1,000 for HO4 d. The minimum premium will not be less than $200 nor exceed $1,000 for HO6

3. Applicable to HO3 wind-excluded policies only: $300 minimum annual premium. 4. Applicable to HO4 wind-excluded policies only: $150 minimum annual premium. 5. Applicable to HO6 wind-excluded policies only: $200 minimum annual premium.

B. The minimum annual premium shall include all chargeable endorsements or coverages, if written at inception of the policy.

C. The MGA policy fee and the EMPATF surcharge are not included in the minimum annual premium, and are fully earned upon inception.

D. FIGA surcharges, Citizens assessment surcharges, and FHCF assessment surcharges are not included in the minimum annual premium. These surcharges are not fully earned – if the policy is amended or cancelled, the additional or return premium, including these surcharges, shall be calculated on a pro rata basis.



220. Manual Premium Revision

A manual premium revision shall be made in accordance with the following procedures: A. The effective date of such revision shall be as announced. B. The revision shall apply to any policy or endorsement in the manner outlined in the announcement of the

revision. C. Unless otherwise provided at the time of the announcement of the premium revision, the revision shall

not affect: 1. in-force policy forms, endorsements or premiums, until the policy is renewed; or 2. in the case of a Premium Payment Plan, in-force policy premiums, until the anniversary following the

effective date of the revision.



230. Transfer or Assignment

Transfer or assignment is not available. New applications are required.



240. Waiver of Premium

When a policy is endorsed after the inception date, the amount of additional or return premium that may be waived is $5.



250. Whole Dollar Premium Rule Each premium shown on the policy and endorsements shall be rounded to the nearest whole dollar. A premium of fifty cents ($.50) or more shall be rounded to the next higher whole dollar. In the event of cancellation by the Company, the return premium may be carried to the next higher whole dollar.



260. Restriction of Individual Policies

If a policy would not be issued because of unusual circumstances or exposures, the named insured may request a restriction of the policy provided no reduction in the premium is allowed. Such requests shall be referred to the Company, and coverage cannot be bound.


300. Base Premium Computation

A. The BASE PREMIUM is developed as follows: 1. Form HO 00 03

a. From the AOP Base Class Premium Table and Wind Base Class Premium/Wind Exclusion Credit Table, select the HO 00 03 premiums for the territory in which the risk is located.

b. If Endorsement HO 04 89 Windstorm or Hail Exclusion is made part of the policy, adjust the Base Class Premium in accordance with Rule 650 – Windstorm or Hail Exclusion Base Premium Credit.

c. If Sinkhole coverage is excluded from the policy, multiply the sinkhole exclusion discount factor with the adjusted Base Class Premium in accordance with Table 300 I.

d. From the Protection/Construction Factors Table, select the Protection/Construction Factor that applies for HO 00 03.

e. Multiply the Subtotal (sinkhole adjusted AOP and Wind Base Class Premium) by the Protection/Construction Factor, the HardieBoard/Hardiplank Credit Factor if applicable, and then round to the nearest whole dollar to arrive at the Key Premium.

f. From the AOP Key Factors Table and from the Wind Key Factors Table, select the Key Factor for the desired HO 00 03 Coverage A limit of liability. If the limit of liability is not shown in the tables, interpolate or extrapolate as illustrated in Paragraph B. of this rule.

g. Multiply the appropriate Key Premium from A.1.e. by the appropriate Key Factor and round to the nearest whole dollar to arrive at the AOP and Wind BASE PREMIUMS.

2. Form HO 00 04 or HO 00 06 a. From the AOP Base Class Premium Table and the Wind Base Class Premium/Wind

Exclusion Credit Table, select the HO 00 04 or HO 00 06 premium for the territory in which the risk is located.

b. If Endorsement HO 04 89 Windstorm or Hail Exclusion is made part of the policy, adjust the Wind Base Class Premium in accordance with Rule 650, Windstorm or Hail Exclusion Base Premium Credit.

c. From the Protection/Construction Factors Table, select the Protection/Construction Factor that applies for HO 00 04 or HO 00 06.

d. Multiply the Subtotal (adjusted AOP and Wind Base Class Premium) by the Protection/Construction Factor, the HardieBoard/Hardiplank Credit Factor if applicable, and then round to the nearest whole dollar to arrive at the Key Premium.

e. From the Key Factors Table, select the Key Factor for the desired HO 00 04 or HO 00 06 limit of liability. If the limit of liability is not shown in the tables, interpolate or extrapolate as illustrated in Paragraph B. of this rule.

f. Multiply the appropriate Key Premium from A.2.d. by the appropriate Key Factor and round to the nearest whole dollar to arrive at the AOP and Wind BASE PREMIUMS.

B. Interpolation/Extrapolation Examples 1. The desired limit of liability is not shown in the Key Factor Table, and is less than the highest limit shown:

interpolate using Key Factors for the nearest limits shown above and below the desired limit. Example: $75,000 is the desired Form HO 00 03 Coverage A limit of liability; the nearest limits are $74,000 and $76,000. For $74,000 the Key Factor is 1.153; for $76,000 the Key Factor is 1.175. Subtract the lower Key Factor from the higher and divide by 2. This provides a factor per $1,000.

1.175 – 1.153 = 0.022 0.022 / 2 = 0.011 Add the result to the lower Key Factor (1.153): 1.153 + 0.011 = 1.164 The result, 1.164, is the Key Factor for $75,000 in this example.

2. The desired limit of liability is not shown in the Key Factor Table, and is greater than the highest limit shown: extrapolate using the highest Key Factors shown and the Key Factor – Each Additional $1,000. Example: $125,000 is the desired Form HO 00 06 Coverage C limit of liability; the highest limit shown is $100,000. Multiply the Key Factor for each additional $1,000 (0.060) by the number of additional thousands desired (25), and add to the Key Factor for $100,000 (3.594). 25 * 0.060 = 1.500; 1.500 + 3.594 = 5.094 The result, 5.094, is the Key Factor for $125,000 in this example.

3. The Key Factors shown in the above examples are for illustration only and are not necessarily the Key Factors shown in the Key Factor Tables of this Manual.




310. Ordinance or Law Coverage – HO 00 03 & HO 00 06 A. Basic Limit

Form HO 00 03 and Form HO 00 06 – the policy automatically provides up to 10% of the Coverage A limit of liability to pay for the increased costs necessary to comply with the enforcement of an ordinance or law.

B. Increased Amount of Coverage 1. The policy may be endorsed to increase the basic ordinance or law coverage amount to options of

25% or 50% of the Coverage A limit of liability. 2. Premium

a. Form HO 00 03 and Form HO 00 06 – Additional Premium (1) If Endorsement HO 04 89 Windstorm or Hail Exclusion is not part of the policy, multiply the

previous AOP rating step and the previous WIND rating step in the rating algorithm by the factor below; or

(2) If Endorsement HO 04 89 Windstorm or Hail Exclusion is made part of the policy, multiply the previous AOP rating step in the rating algorithm by the factor below:

Age of Home 25% Option 50% Option Homes built 2002 and newer .05 .10 Homes built 2001 and prior .12 .17

b. Form HO 00 04 Ordinance or Law Coverage does not apply to Form HO 00 04.

For All Forms use Endorsement HO 04 77 – Ordinance or Law – Increased Amount of Coverage.



400. Superior Construction The premium credit for a dwelling or apartment unit in a building of superior construction is calculated by multiplying the previous rating step in the rating algorithm by a factor of .15 – the resulting amount is the amount of credit to be applied to the premium.



410. Town House or Rowhouse – Form HO 00 03 Only

The premium for an eligible 1 family dwelling in a townhouse or rowhouse structure is calculated by multiplying the previous AOP rating step in the rating algorithm by the appropriate factor below. Total No. of Individual Family Protection Class

Units Within the Fire Division 1– 8 9 1 & 2 1.05 1.10 3 & 4 1.15 1.25 5 & Over Ineligible Ineligible



420. Personal Property (Coverage C) Valuation – Replacement Cost / Actual Cash Value A. The limit of liability for Coverage C is automatically valued on a Replacement Cost basis. B. Coverage C may be valued on an Actual Cash Value basis for a credit. The premium credit is calculated

by multiplying the previous rating step in the rating algorithm including any premium adjustment for Coverage C limits (see General Rule 600. A. and B.) by the appropriate factor below:

HO 00 03: 0.05 HO 00 04 or HO 00 06: 0.35

C. Unless the Actual Cash Value option is selected, Replacement Cost Coverage will also apply to articles or classes of property separately described and specifically insured in this policy, as listed in the Scheduled Personal Property endorsement.

Use Endorsement HO 23 86 – Personal Property Replacement Cost Loss Settlement, unless Actual Cash Value is selected.



430. Protective Devices Approved and properly maintained installations of burglar alarms, fire alarms, and automatic sprinklers in the dwelling may be recognized for a reduced premium. All devices must be professionally installed (not “do it yourself”), and a copy of the installation certificate submitted with the application. Alarm Service Certificates, current bills for ongoing service, etc. are required at renewal to maintain this credit. A 10% maximum credit applies to this rule when more than one protective device, other than sprinklers, is present. The maximum credit limitation does not apply to automatic sprinklers. To calculate the reduced premium, multiply the previous AOP rating step by the selected factors below:

Type of Installation* Factors

Central Station Reporting Burglar Alarm 1 .05

Central Station Reporting Fire Alarm 1 .05

Police Station Reporting Burglar Alarm 2 .02

Fire Station Reporting Fire Alarm 2 .03

Local Burglar and/or Fire Alarm 3 .02

Automatic Sprinklers in all areas including attics, bathrooms, closets, attached structures .07

Automatic Sprinklers in all areas except attic, bathrooms, closets and attached structures that are protected by a fire detector

.04

* Refer to Company for eligibility of types of systems and devices, required evidence of installation and available credits.

1 Systems operate by detecting existence of heat, fire, smoke or other emergencies, annunciating off-normal conditions locally, and transmitting signals off premise to a remote, continuously attended supervising station. Supervising station personnel take action in response to signals.

2 Systems operate by detecting existence of heat, fire, smoke or other emergencies, annunciating off-normal conditions locally, and transmitting signals off premise to a remote, continuously attended supervising station. A remote supervising station can be a public emergency communications center, fire station, or police station.

3 Systems operate by detecting existence of heat, fire, smoke or other emergencies and annunciating off-normal conditions locally, on premise only. They do not transmit signals to a supervising station. They rely on the alarm being audible/visible to neighbors who would then contact a police/fire station. (Note: Smoke detectors alone do not suffice as a Local Fire Alarm.)

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



440. Deductibles All policies are subject to a deductible that applies to loss from all Section I perils. A. Wind Coverage Included

1. Base Deductible 2% Hurricane Deductible (minimum $500) Mandatory 10% Sinkhole Deductible if Sinkhole Coverage is not excluded (HO-3 only) $1,000 All Other Perils Deductible

2. Optional Deductibles To calculate the premium increase for lower deductibles, multiply the previous rating step by the applicable factor below and add to the premium:

A.O.P. Deductible $500 $500 $1,000 $2,500 $500 $1,000

Hurricane Deductible $500 1% 1% 1% 2% 2%

HO-3 Cov. A Limit

Up to $1,500,000 +.25 +.14 +.04 +.02 +.11 BASE

HO-4 Cov. C Limit

$10,000 - $150,000 +.30 +.18 +.06 +.03 +.14 BASE

HO-6 Cov. C Limit

$10,000 - $300,000 +.30 +.18 +.06 +.03 +.14 BASE

To calculate the premium decrease for higher deductibles, multiply the previous rating step by the applicable factor below and subtract from the premium:

A.O.P. Deductible $2,500 $5,000 $500 $1,000 $2,500 $5,000 $500 $1,000 $2,500 $5,000

Hurricane Deductible 2% 2% 5% 5% 5% 5% 10% 10% 10% 10%

HO-3 Cov. A Limit

Up to $1,500,000 -.16 -.22 -.04 -.09 -.25 -.38 -.18 -.28 -.33 -.41

HO-4 Cov. C Limit

$10,000 - $150,000 -.24 -.32 -.09 -.17 -.41 -.51 -.20 -.29 -.49 -.65

HO-6 Cov. C Limit

$10,000 - $300,000 -.24 -.32 -.09 -.17 -.41 -.51 -.20 -.29 -.49 -.65

B. Wind Coverage Excluded (X-Wind)

1. Base Deductible: Mandatory 10% Sinkhole Deductible if Sinkhole Coverage is not excluded (HO-3 only) $1,000 All Perils Deductible (Hurricane Deductible: No Coverage)

2. Optional Deductibles To calculate the premium increase for a lower deductible, or premium decrease for a higher deductible, multiply the previous AOP rating step by the applicable factor below and add or subtract from the premium: Add Subtract

All Perils Deductible $500 $1,000 $2,500 $5,000

HO-3 Cov. A Limit

Up to $1,500,000 +.15 BASE -.22 -.35

HO-4 Cov. C Limit $10,000 - $150,000

+.18 BASE -.29 -.41

HO-6 Cov. C Limit $10,000 - $300,000

+.18 BASE -.29 -.41

C. Hurricane Deductibles 1. The hurricane deductible subjects the policy to a percentage deductible amount that applies to windstorm

loss that occurs during a hurricane. This deductible applies beginning at the time a hurricane watch or warning is issued for part of Florida by the National Hurricane Center of the National Weather Service and ends 72 hours following the termination of the last hurricane watch or hurricane warning issued for any part of Florida by the National Weather Service.

2. Hurricane means a storm system that has been declared to be a hurricane by the National Hurricane Center of the National Weather Service. The National Weather Service currently uses the Saffir/Simpson Hurricane scales to categorize hurricanes. This scale specifies that a hurricane is a storm that originates



in the tropics and results in either a sustained wind speed of at least 74 miles per hour or a storm surge of at least 4 feet above normal.

3. The hurricane deductible shall apply on an annual basis to all covered hurricane losses that occur during a calendar year, regardless of the policy term.

4. If there was a hurricane loss for a prior hurricane(s) during a calendar year, the deductible applying to a subsequent hurricane is the greater of the remaining amount of the hurricane deductible or the amount of the deductible that applies to perils other than a hurricane.

Use Endorsements HO 03 50– All Perils Deductible – Florida, HO 03 55– Calendar Year Hurricane Deductible (Percentage) With Supplemental Record Keeping Requirement – Florida, and/or HO 03 58 05 05 – Calendar Year Hurricane Deductible (Fixed Dollar) With Supplemental Record Keeping Requirement – Florida.



450. Additional Amounts of Insurance – Form HO 00 03 Only A. The policy provides loss settlement for buildings insured under Coverage A or B on a replacement cost basis

without deduction for depreciation, if, at the time of loss, the amount of insurance on the damaged building is 80% or more of the replacement cost of the building immediately before the loss. However, in no case shall the payment under the replacement cost provision exceed the limits of liability stated for coverage A in the declarations.

B. The policy may be endorsed to provide additional insurance for Coverage A only when loss to the dwelling building exceeds the limit of liability shown in the policy declarations.

C. When the following option is selected, the Coverage A limit of liability shall be at least 100% of the full replacement cost of the dwelling building at policy inception or at the time the endorsement is added to the policy.

D. Specified Additional Amount of Insurance for Coverage A Only

1. An additional amount of insurance equal to 25% of the Coverage A limit of liability may be selected. This additional amount is available when loss to the dwelling building exceeds the Coverage A limit of liability shown in the Declarations.

2. The additional amount cannot be applied to any other coverage nor does it increase the Coverage A limit.

3. The additional premium for this option is calculated by multiplying the previous step in the rating algorithm by the following factor: 0.08

E. Do not use this endorsement when any endorsement which modifies the required percentage of replacement value is attached to the policy.

Use Endorsement HO 23 69 – Specified Additional Amount of Insurance for Coverage A – Dwelling - Florida



455. Coverage B Limit Factor – Form HO 00 03 Only Coverage B limit equal to 2% of Coverage A is included in the basic policy. The following additional limits are available, with the corresponding factor applying to both AOP and Wind premium.

% of Cov A Factor

0% 0.98

1% .99

2% 1.00

5% 1.025

10% 1.06

Coverage B is excluded from the policy when a limit of 0% of Coverage A is selected. Use endorsement UPC 187 – Exclusion of Section I – Other Structures Coverage, when a limit of 0% of Coverage A is selected.



460. Actual Cash Value Loss Settlement – Windstorm or Hail Losses to Roof Surfacing – All Forms Except HO 00 04

A. This policy provides settlement for building losses on a repair or replacement cost basis, subject to certain

conditions. B. The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for

damage to roof surfacing caused by the perils of Windstorm or Hail. C. To develop the premium credit for this option, multiply the previous WIND rating step by a factor of 0.05 Use Endorsement HO 06 41 – Actual Cash Value Loss Settlement – Windstorm or Hail Losses to Roof Surfacing – Florida.


470. Older Home Surcharge – HO 00 03 Only

A. An Older Home Surcharge Factor applies to dwellings written on an HO 00 03 over 30 calendar years

old. B. To develop the AOP premium multiply the previous rating step times the appropriate factor according to

age.

Calendar Years Since Home Completed: Apply Factor of: 31 – 50 years 1.10 51 or more years 1.15

C. To develop the Wind premium multiply the previous Wind rating step times the appropriate factor

according to age.

Calendar Years Since Home Completed: Apply Factor of: 31 – 50 years 1.00 51 or more years 1.00



475. Year of Construction Rate Factor – HO 00 03 Only

A. An Year of Construction Rate Factor applies to all dwellings written on an HO 00 03 and applies to Wind premium only.

B. To develop the Wind premium multiply the previous Wind rating step times the appropriate factor

according to year of construction.

Dwelling Year of Construction: Apply Factor of: 1962 and prior 1.10 1963 – 1982 1.10 1983 – 1994 1.05 1995 – Current 1.00



476. Water Damage Exclusion – HO 00 03 and HO 00 06 Only

The peril of Water Damage may be excluded at policy holder discretion, resulting in a lower premium. In

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

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

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

whether or not driven by wind unless water penetration is a direct result of damage caused by any

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

AOP: 0.82

Wind: 1.00

UPC Florida HO Manual HO-476-1 5/16




477. Limited Water Damage Coverage – HO 00 03 and HO 00 06 Only

For an additional premium, policies written with the Water Damage Exclusion may be endorsed to provide coverage for sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, A/C, automatic sprinkler system or from within a household appliance. The limit of liability for all covered property under this option is $10,000.

Additional Premium: AOP: 8% surcharge (1.08 factor).






480. Loss/Claim Free Renewal Credit – HO 00 03 Only

A. 5% Loss/Claim Free Renewal Credit.

Available to Insureds who have been continuously insured with the Company on an HO 00 03 for two years or longer and have not had any losses/claims during that period.

B. To develop the premium credit multiply the BASE PREMIUM times the discount factor listed above. Note: This discount may only be applied at a renewal of an applicable Company policy, or upon assumption of a roll-over book from another company for which the Company is using renewal guidelines.



490. Inflation Guard – HO 00 03 Only

A. An Inflation Guard increase of 4% to the Section I limits of liability will be automatically provided under the HO 00 03 policy.

B. The policy may be endorsed to provide a higher increase selected by the Insured, in 2% increments. An increase of 12% is the maximum amount that may be selected.

C. The premium is computed by multiplying the BASE PREMIUM by the appropriate factor below. Amount of Annual Increase Factor 4% No Charge 6% +.03 8% +.04 10% +.05 12% +.06

Use Endorsement HO 04 46 – Inflation Guard.



500. Business Property – Increased Limits

A. The $2,500 limit of liability for business property on the residence premises may be increased to $10,000 in increments of $2,500. The limit of liability in excess of $2,500 does not apply to: 1. Business property in storage or held as a sample or for sale or delivery after sale; 2. Business property pertaining to a business actually conducted on the residence premises. (This

exposure is addressed by HO 04 42 – Permitted Incidental Occupancies.) B. When the on-premises limit is increased, the off-premises limit of $250 is automatically increased, at no

additional charge, to an amount that is 10% of the total on-premises limit of liability. C. Premium

Each additional $2,500: $25 Use Endorsement HO 04 12 – Increased Limits of Business Property.



510. Credit Card, Fund Transfer Card, Forgery and Counterfeit Money

A. The limit of $500 may be increased in increments as shown below. B. Additional Premium:

New Limit Additional Premium $ 1,000 $ 5 $ 2,500 $ 8 $ 5,000 $15 $ 7,500 $22 $10,000 $29

Use Endorsement HO 04 53 – Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage Increased Limits.



520. Fire Department Service Charge

A limit of $500 is provided under the policy provisions. This limit may not be increased.



530. Form HO 00 06 – Coverage A Dwelling Basic and Increased Limits and Special Coverage

A. Basic Limits

The policy automatically provides a basic Coverage A limit of $5,000 on a named peril basis. If increased limits are not desired, enter “$5,000” under Cov. A – Dwelling on the Declarations pages.

B. Increased Limits The basic limit may be increased. The premium is developed based on the additional amount of insurance. To develop the premium for each additional $1,000 of insurance, multiply the HO 00 06 Key Factor for “Each Additional $1,000” by the HO 00 06 Key Premium.

C. Special Coverage The Section I Perils Insured Against may be broadened to cover open perils. The additional premium is developed as shown on the rate page. 1. Charge per policy for $5,000 in basic form: $6 2. Rate for each additional $1,000 for Coverage A: $1

Use Endorsement HO 17 52 – Unit-Owners Coverage A – Special Coverage - Florida.



540. Form HO 00 06 – Units Regularly Rented To Others

A. There is no coverage for Coverage C – Personal Property when the residence premises is regularly rented or held for rental to others. The policy may be endorsed, however, to provide such coverage, including Theft.

B. Premium Multiply the previous AOP rating step in the rating algorithm (reflecting the credit or surcharge for optional deductibles) by a factor of 1.25.

Use Endorsement HO 17 33 – Unit-Owners Rental to Others.



550. Permitted Incidental Occupancies – Residence Premises

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

B. Permitted Incidental Occupancies 1. Offices 2. Storage of merchandise if the value of the merchandise does not exceed $10,000.

C. If the permitted incidental occupancy is located in another structure, Coverage B does not apply to that structure. See E. below, for charge for specific insurance on the structure.

D. The permitted incidental occupancies endorsement also covers personal property pertaining to the permitted incidental occupancy within the Coverage C limits stated in the declarations. If increased Coverage C limits are desired, see Rule 600.A.

E. Premium 1. Section I Coverages

a. If the permitted incidental occupancy is located in the dwelling, no additional charge is made. b. If the permitted incidental occupancy is located in another structure, an additional premium is

required. Determine the premium from the rate shown below. Rate per $1,000 for business in other structure: $6

2. Section II Coverages Refer to Rule 820. to develop the premium for the increased Coverage E and F exposure.

Use Endorsement HO 04 42 – Permitted Incidental Occupancies – Residence Premises for Sections I and II Coverage.



560. Special Computer Coverage

A. The policy may be endorsed to insure computers and related equipment against additional risks of physical loss subject to certain exclusions, for an additional premium. Coverage is available up to a maximum limit of $10,000. Use the rate shown in B. below.

B. Rate per $1,000 of coverage: $7.50 Use Endorsement HO 05 14 – Special Computer Coverage - Florida.



565. Equipment Breakdown Coverage – HO 00 03 & HO 00 06 Only

A. The Equipment Breakdown Coverage Endorsement provides equipment breakdown insurance to cover equipment attached to and made part of the dwelling or other structure when perils for such equipment would have been excluded under the Homeowners policy.

B. Any risk eligible for and carrying a Homeowners policy is eligible for Equipment Breakdown coverage. C. This coverage will be written as a separate endorsement as part of a Homeowners Policy. D. The premium charge is per policy and based on the stated Homeowners Coverage A Building Value. E. Rate per Policy:

Coverage A Value: $1,500,000 or less

Rate Per Policy: $40

Use Endorsement UPC 196 – Equipment Breakdown Coverage Endorsement



570. Supplemental Loss Assessment Coverage

A. Residence Premises

The policy automatically provides, at no additional charge, $1,000 of loss assessment coverage for assessments relating to the residence premises. This limit may be increased to a higher optional amount of $2,000, $3,000, $5,000, or $10,000. Higher optional limits may only be purchased at policy inception or at renewal (mid-term increases are not available).

B. Premium

Territory $2,000 $3,000 $5,000 $10,000

005, 007, 030, 031, 032, 033, 034, 035, 037, 038, 361, 362

$8 $13 $21 $26

010, 043, 182, 183, 541, 542, 551, 554, 562, 581, 583, 601, 602, 606, 607, 609, 711, 715, 721, 723, 724, 726

$6 $10 $16 $21

Remainder of State $4 $7 $11 $16

Use Endorsement HO 04 35 – Loss Assessment Coverage. Note: Endorsement HO 04 35 does not cover loss to property under Section I caused by Earthquake.



580. Other Structures – HO 00 03 Only A. When insurance is written on a specific structure on the residence premises for:

1. Increased limits, or 2. Rented to others for residential purposes the rates per $1,000 of insurance mentioned below shall apply separately to each structure.

B. Increased Limits A Coverage B limit of 10% of Coverage A must first be selected per Rule 455. in order to purchase the following increased limits. Rate per $1,000 (of additional limit over and above Coverage B limit of 10%) : $4 Use Endorsement HO 04 48 Other Structures – Increased Limits

C. Rented to Others – Residence Premises: A Coverage B limit of at least 1% of Coverage A must first be selected per Rule 455. Use the sum of: 1. Rate per $1,000 (of entire limit): $6; and 2. The premium for the increased Coverages E and F exposure, as developed in Rule 810. Other

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



585. Flood Policy Credit

A. A credit is available when the insured owner-occupant of the home also purchases a flood policy through the

Company. “Owner” includes joint ownership by a husband and wife. B. A copy of the current flood policy declarations page, or a copy of the flood insurance application, must be kept

in the insured’s file in the agent’s office along with all other policy documentation. C. To compute the credit multiply the previous WIND rating step times a factor of .05.



590. Refrigerated Personal Property

A. The policy may be endorsed to provide $500 of coverage for covered property stored in freezers or refrigerators

on the residence premises for loss caused by power service interruption or mechanical failure. B. A deductible of $100 applies. C. Premium per policy: $20 Use Endorsement HO 04 98 – Refrigerated Property Coverage.



600. Personal Property – Increased and Reduced Limits A. Increased Limit – Form HO 00 03

The blanket limit of liability for Coverage C is 50% of the Coverage A limit of liability. This limit may be increased, in 5% increments, to a maximum of 75% of the Coverage A limit of liability. The additional premium rate per $1,000 of increased Coverage C limit is as follows: $2.50

B. Reduction in Limit – Form HO 00 03 The blanket limit of liability for Coverage C is 50% of the Coverage A limit of liability. This limit may be reduced, in 5% increments, to a minimum of 25% of the Coverage A limit of liability. The premium credit per $1,000 of reduced Coverage C limit is as follows: $1.25

C. Coverage C Exclusion – Form HO 00 03 Coverage C may also be excluded completely, upon written request by the insured (form UPC 179) and acceptance by the company, per 627.712 Florida Statutes. The Exclusion will apply to all subsequent renewals until removed. This endorsement may only be removed on the renewal anniversary date of the policy and upon payment of the appropriate premium. Multiply the Premium Subtotal B in the rating algorithm by .09 to determine the credit.

D. When Coverage C is excluded the following rules do not apply and endorsements are not available to

the policy:

420. Personal Property (Coverage C) Valuation – Replacement Cost / Actual Cash Value 500. Business Property – Increased Limits 510. Credit Card, Fund Transfer Card, Forgery and Counterfeit Money 550. Permitted Incidental Occupancies – Residence Premises 560. Special Computer Coverage 590. Refrigerated Personal Property 600. Personal Property – Increased and Reduced Limits 610. Scheduled Personal Property 620. Golf Cart Physical Damage 700. Premier Protective Endorsement 710. Premier Protective Plus Endorsement 731. Premier Mini-Farm Endorsement – HO 00 03 Only

Use Endorsement UPC 178 – Personal Property Exclusion Endorsement.



610. Scheduled Personal Property Coverage for schedules of personal property items may be provided, up to a maximum limit of $150,000, or 50% of Cov. C., whichever is less, but not exceeding $50,000 for any one article of men’s or ladies jewelry; $25,000 for any single fur item; or $10,000 for any collection. Personal property items used in a trade or business are not eligible for scheduled personal property coverage. An appraisal or bill of sale no older than 3 years must accompany application or endorsement for each single item worth $2,500 or more. A reappraisal must be done and submitted to the Company every five years. A central station burglar alarm is required for total schedules over $25,000. Apply the applicable rates from the table below:

Property Rate per $100

Antiques $0.75

Bicycles $9.50

Cameras & Projection Equipment (non Professional) $2.50

Coins $2.00

Fine Arts: Breakage No Breakage

$0.75 $0.45

Furs $0.70

Golfers Equipment $1.75

Guns: Collectible Fired

$1.00 $1.90

Jewelry In vaults or safety deposit boxes

$1.75 $0.80

Miscellaneous Personal Property $1.00

Musical Instruments (non-professional) $0.75

Other Sports Equipment $2.25

Silverware $0.50

Stamps $0.90

Use Endorsement HO 04 61 – Scheduled Personal Property.


615. Limited Screen Enclosure and Carports Coverage – HO 00 03 Only

A. Provides coverage for loss caused by hurricane to aluminum framing for screened enclosures and carports permanently attached to the dwelling on a replacement cost basis. This endorsement does not provide coverage for screen material or costs associated with removing or replacing screens. This endorsement does not increase the limit of liability for Coverage A. This coverage is available in increments of $5,000 up to a maximum of $75,000.

B. Additional premium:

(Selected Limit / $50,000) x 0.32 Damage Factor x Wind Territory Base Class Premium x Lesser of (Selected Coverage A Limit / $100,000, 3.0), subject to the following cap:

a) Coastal Counties – Premium must be less than or equal to a $50.00 charge per $1,000 of

selected limit. b) Inland Counties – Premium must be less than or equal to a $25.00 charge per $1,000 of selected

limit.

Use Endorsement UPC 603 – Limited Screen Enclosure and Carports Coverage.






620. Golf Cart Physical Damage

A. The policy may be endorsed to provide All Risk Physical Damage coverage for up to two owned golf carts up to a maximum of $5,000 each (describe and rate separately).

B. Losses will be settled at actual cash value at the time of loss. C. Section II coverage must also be provided by this policy (Refer to Rule 830 to develop premium for the

increased coverage E and F exposure.) D. Premium: First $2,000 $25 Each additional $1,000 $ 5 Use Endorsement UPC-131 – Golf Cart Physical Damage Endorsement.



630. Water Back Up and Sump Overflow

A. The policy forms exclude coverage for loss resulting from water or waterborne material which backs up

through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment. When the optional Limited Water Back-up And Sump Discharge Or Overflow Coverage endorsement is attached to the policy, coverage is provided with respect to direct physical loss, not caused by the negligence of an “insured”, to property covered under Section I, caused by water or waterborne material which originates from within the dwelling where the named insured resides and backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment.

B. The policy may be endorsed to provide such coverage for a limit of liability of $5,000 subject to a $250 deductible. No other deductible option is available.

C. Premium per policy: $25 Use Water Back-Up And Sump Discharge Or Overflow – Florida Endorsement HO 05 99.



640. Water Loss Prevention Credit

A. A credit is available to insureds who can certify that the plumbing system in the insured dwelling has been updated or checked for soundness and is free of any visible defects. All appliances connected thereto, and the attachments between the plumbing system and the appliances, must also be checked for soundness and lack of defects.

B. This certification consists of a licensed plumber completing the Water Loss Prevention Credit Certification (UPC-136 Form).

C. This credit applies automatically to all new homes completed in the same calendar year as the initial effective date of the policy. In this case the requirement for a Water Loss Prevention Credit Certification is waived.

D. This credit expires after three (3) successive policy terms unless a new Water Loss Prevention Credit Certification pertaining to the continued soundness of the plumbing system is provided to the Company.

E. To develop the premium credit, multiply the previous AOP rating step by a factor of .05.



645. Limited Fungi – Property Coverage A. Fungi, mold, wet or dry rot, or bacteria coverage is limited under the policy to a sublimit of $10,000. A

$10,000 aggregate applies. B. Higher limits may be purchased for an additional premium. Limits of $25,000 and $50,000 are available.

A $50,000 aggregate applies to these higher options. C. D. Premium for higher limits: $25,000: $100 $50,000: $150 Use Endorsement HO 03 33 – Fungi, Wet or Dry Rot, or Bacteria Increased Amount of Section I – Property Coverage – Florida.



650. Windstorm or Hail Exclusion Base Premium Credit A. The peril of Windstorm or Hail may be excluded for all coverages, including Coverage D – Loss of Use,

if the property is eligible for such coverage from CPIC. B. The peril of Windstorm or Hail may also be excluded for all coverages, including Coverage D – Loss of Use,

anywhere in the state upon written request of the insured(s) named on the policy and written authorization from any mortgage holder or lienholder with an interest in the insured location, per 627.712 Florida Statutes. If Windstorm or Hail coverage is excluded and the insured property is not eligible for wind-only coverage from CPIC, the policyholder must use form UPC 180 and personally write and provide to the Company in his or her own handwriting, signing his or her name (and signed by any other named insured on the policy) the following statement (the statement must also be dated): “I do not want the insurance on my home/mobile home/condominium unit to pay for damage from windstorms or hurricanes. I will pay those costs. My insurance will not.” A written statement from any mortgage holder or lienholder must also be sent to the Company approving of the policyholder electing to exclude windstorm or hurricane coverage from the policy. All necessary documents must be received and approved by the Company prior to the attachment of the exclusion to the policy. The Exclusion will apply to all subsequent renewals until removed. This endorsement may only be removed on the renewal anniversary date of the policy and upon payment of the appropriate premium.

C. To calculate the adjusted Base Class Premium: 1. Determine the appropriate AOP and Wind Base Class Premiums as described in Rule 300. 2. Subtract the Windstorm or Hail Exclusion Base Credit for the Form and Territory found in Rate Table

300 B from the Base Class Premium from Step 1. 3. Multiply the Adjusted Base Class Premium (excluding Windstorm or Hail coverage) developed in

Step 2 by the Protection/Construction Factor and then by the Key Factor for the desired limit of liability (see Rule 300).

Use Windstorm Or Hail Exclusion Endorsement HO 04 89.



655. Identity Theft Expense and Resolution Services Coverage

Identity Theft Expense and Resolution Services Coverage is available to provide first party coverage for expenses incurred by an insured as a direct result of any identity theft occurrence first discovered or learned of during the policy period. This endorsement provides up to $25,000 coverage for:

A. Costs for notarizing affidavits or similar documents attesting to fraud;

B. Costs for certified mail to law enforcement agencies, credit agencies, financial institutions, etc.;

C. Lost income, up to a maximum of $1,000 per week/$5,000 total, resulting from time taken off work to complete fraud affidavits, meet with law enforcement agencies, credit agencies, and/or legal counsel;

D. Loan application fees for re-applying for loans when the original application is rejected because the lender received incorrect credit information;

E. Attorney fees incurred to defend lawsuits brought against the insured by merchants, financial institutions or their collection agencies; remove any criminal or civil judgments wronly entered against an insured; and challenge the accuracy or completeness of any information in a consumer credit report;

F. Charges incurred for long distance telephone calls to merchants, law enforcement agencies, financial institutions or similar credit grantors, or credit agencies to report or discuss an actual identity fraud.

Premium per policy: $25 Use Endorsement UPC 186– Identity Theft Expense and Resolution Services Coverage.


660. Hurricane Premium SplitSee table on page HO-T-24.




665. Sinkhole Coverage A. Catastrophic Ground Cover Collapse is automatically provided in all Homeowners forms. The premium is

included in the base premium. This coverage cannot be excluded. This coverage is provided in form UPC 176, which is attached to all Homeowner policies.

B. Sinkhole coverage is automatically provided in the HO 00 04 and HO 00 06 forms. On form HO 00 03, new policies may be bound only with Catastrophic Ground Cover Collapse (apply the credit in Table 300.I.). If the policyholder elects the option for Sinkhole Coverage, an approved inspection of the home must be completed prior to adding the coverage. The inspection will document existing damage, evaluate the integrity of the dwelling, and verify that there is no proximate sinkhole activity that has not been disclosed.

C. An “Approved” inspection service is one that has been designated by us as competent to perform the evaluation, and whose report format meets our informational requirements. The insured will contract directly with the Approved inspection service, and pay an arranged fee, and both parties will receive a copy of the inspection. The fee will not be refundable no matter how the underwriting decision is reached.

D. An inspection from an inspection service that has not been designated by us as “Approved” may be submitted by the insured for consideration in meeting this requirement. Such an inspection must have been completed by a professional engineer, professional geologist, or other individual or entity recognized by us as possessing the necessary qualifications to properly complete the inspection, and must meet all requirements outlined above with regard to timing, content and format.

E. Structures that have substantial cracking, shifting of the house on its foundation, doors that won’t close properly, visible depressions or voids in the ground and immediate proximity (less than ½ a mile) to known sinkhole activity may only be eligible for Catastrophic Ground Cover Collapse. Structures with little or no damage may be eligible for Sinkhole Loss Coverage.

F. We will non-renew policyholders maintaining Sinkhole Loss Coverage and provide an offer of coverage to such policyholders which includes Catastrophic Ground Cover Collapse and excludes Sinkhole Loss Coverage. If the policy holder requests the option for Sinkhole Loss Coverage to be added to the new policy, then an inspection will be required as outlined above. The “Sinkhole Loss Coverage Endorsement Request [UPC 221] must be completed and signed. This item F. does not apply to policyholders who currently have an “Approved” inspection and will last for an annual period.



670. Windstorm Resistive Features of Residential Construction

A. Eligibility

1. When the policy covers the peril of Windstorm or Hail, a risk may be eligible for a premium credit if the dwelling has been built or retrofitted in conformance with the windstorm mitigation elements of the 2001 Florida Building Code (effective 3-1-2002) with respect to:

a. Type of roof covering b. How the roof deck is attached to the structure c. The technique and materials used in connecting the roof to the walls of the structure d. The type and extent of materials used in protecting all openings to the dwelling structure e. The geometry (or shape) of the roof f. The extent of water resistance techniques employed in the roof construction

2. Other factors impacting the level of credit are:

a. The version of the Florida Building Code to which the construction of the dwelling was subject. The program differentiates construction between existing construction and new construction. These terms are defined in paragraph D. of this rule.

b. The location of the dwelling; proximity to the coast and terrain being the most significant factors.

B. Mitigation Credit Tables

Mitigation Credit Tables have been developed for implementation of this rule that apply to either new construction or existing construction by building type.

C. Verification

The company will require proof that substantiates the existence of loss mitigation features. This proof will be in the form of verification by a registered or licensed design professional certified building inspector or licensed General Contractor. A valid Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802) is available for use in satisfying this requirement. However, other signed and dated documentation from a duly qualified professional may be acceptable subject to underwriting review. The insured is responsible for the expense associated with substantiating the existence of the mitigation features. No verification documentation beyond shutter documentation, appropriate pictures and permit documents are required for dwellings constructed on or after March 1, 2002. Dwellings with a construction permit dated prior to 3-1-2002 must submit a valid Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802). Photos can be provided to show proof of a Hip Roof.

D. Definitions of Terms

New Construction - Risks constructed subject to the 2001 version of the Florida Building Code.

Existing Construction - Risks constructed prior to March 1, 2002, or not built to the 2001 FBC.

High Velocity Hurricane Zone (HVHZ) – Miami-Dade and Broward Counties.

Terrain

Terrain C - Miami-Dade and Broward counties, all barrier islands and all risks within 1500' of the coastline.

Terrain B - All areas not included in Terrain C.

FBC Wind Speed - Design wind speed (3 second gusts) for the site location as determined by the wind speed map in figure 1606 of the Florida Building Code.

FBC Wind Design Speed - Wind speed (3 second gusts) for which the structure is designed to withstand according to the FBC 2001. Basic (minimum) Wind Design Speeds (SDS) are established for each FBC Wind Speed Zone. When the WDS of the structure (1-4 unit building built on or after January 1, 2002) exceeds the basic speed design, certification is required for premium credit. Use a valid Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802).



Roof Cover - The covering applied to the roof deck for weather resistance, fire classification or appearance. The most common roof covering materials in Florida are composition shingles and tiles. A key factor in roof covering performance is the method of attachment of the roof covering to the roof deck. The Florida Building Code 2001 (Section 1504) has material requirements and attachment specifications that are superior to common roof covering building practices in the past. For composition shingles, these requirements include self-seal strips and compliance with ASTM D-3161 (Modified for 110 mph). This requirement is commonly referred to as the "110 mph" rated shingle.

FBC Equivalent - The roof covering specifications of the 1994 SFBC also require improved attachment methods and testing to a similar protocol. Therefore, these roof coverings are considered to be sufficiently similar to FBC roof coverings to be classified in the "FBC Equivalent" category. The rating of roof covering for existing construction can be achieved by requiring the roofing contractor to certify that a prior installation met the 1994 SFBC or the FBC 2001 requirements. Otherwise the current roof covering should be rated as Non-FBC equivalent. Insurers should remind owners of existing houses that when the re-cover their roofs, they need to have their contractor certify that the installation meets the FBC 2001 Chapter 15 requirements in order to receive the new roof covering credit.

Non-FBC Equivalent - Roof coverings that do not meet the 1994 SFBC or the FBC 2001 requirements. (see above)

Roof Deck Attachment - The performance of the roof deck is of critical importance in keeping hurricane loses to a minimum. It usually only takes the loss of a small portion of the roof deck before the losses for the building become substantial. Rain enters into the building and produces water damage to the interior and contents.

The most common roof deck types are plywood and Oriented Strand Board (OSB) decks. Prior to the availability of plywood, the most common roof decking was dimensional lumber or tongue and groove boards. Dimensional lumber or tongue and groove boards are nominally thick and are laid in a fashion that is parallel to the ridge or diagonal to the ridge. These roof decks are fastened by at least two nails per truss/rafter connection. Because of the inherently large number of nails in dimensional lumber or tongue and groove, the uplift capacity is generally far greater than typical plywood/OSB decks.

By far the most important feature of roof decks is the attachment to the framing, which is usually achieved by nail fasteners. Nail size, type, spacing and penetration depth into the truss or rafters determines the uplift resistance of the deck. The difference in uplift capacity of 8d (2 1/2 inch) nails at a typical nail spacing and 6d (2") nails at the same spacing is a factor of about two times stronger, which makes a significant difference in deck performance in hurricanes.

The thickness of the deck material is also important primarily in the determination of the penetration depth on the nail into the truss/rafter. Prescriptive building codes specify longer nails for thicker decks.

Level A - Plywood/OSB nailed with 6 penny common nails at 6" spacing on the edge and 12" in the field on 24" truss spacing. This provides for a mean uplift resistance of 55 lbs per sq ft.

Level B - Plywood/OSB nailed with 8 penny common nails at 6" spacing on the edge and 12" in the field on 24" truss spacing. This provides for a mean uplift resistance of 103 lbs per sq ft.

Level C - Plywood/OSB nailed with 8 penny common nails at 6" spacing on the edge and 6" spacing in the field on 24" truss spacing. Within 4'of a gable end the nail spacing is 4". This provides for a mean uplift resistance of 182 lbs per sq ft. for non-gable end locations and 219 lbs per sq ft for gable end locations.

Level D - Dimensional lumber and tongue and groove decks. Over 90% of the RCMP inspected dimensional lumber decks have 8d or greater nails. The case of two 8d nails per board produces a mean uplift resistance of 338 lbs per sq ft.

There are many technical issues that affect the proper rating of the roof deck including a variety of available nail sizes, nail penetration depths, the consideration of missed nails, etc. Proper inspection guidelines and training are essential to determining the deck attachment of existing residences.

Roof-wall Connection - The roof to wall connection is another critical connection that keeps the roof on the building and acts to transfer the uplift loads into the vertical walls. This connection is key to the performance of the building due to the large negative pressures acting on the roof. Verification of the



type of roof to wall connection requires access to the attic to inspect for accurate house rating. There are several manufacturers of the metal connectors for hurricane uplift connectors and each company has a fairly wide line of products. For practical purposes, a classification is used to distinguish the uplift capacity of these connections based on connector type. The most important feature of any of these connectors - other than toe nails, is that the fasteners used to transfer the loads from rafter/truss to strap to top plate or side wall are always loaded in shear (perpendicular to the nail direction) or the strap is embedded into the bond beam of the masonry wall. Proper installation is critical to connector performance.

Toe Nails - A common connection detail in non-hurricane prone areas is the toe-nail, where approximately 3 nails are driven at an oblique angle through the rafter and into the top plate.

Clips - Clips are defined as pieces of metal that are nailed into the side if the rafter/truss and into the side of the top plate or wall stud. The metal does not wrap around the top of the rafter/truss and the clip is only located on one side of the connection.

Single wraps - The wrap style straps are attached to the side and/or bottom of the top plate and are nailed to the rafter/truss.

Double wraps - Straps that are wrapped on both sides of the top plate. Double wraps have twice the capacity of a single wrap.

Reinforced Concrete Roof Deck - Although not very common in residential roof construction in Florida, there are homes constructed with concrete roof decks. When these homes are equipped with wind-borne debris impact resistant opening protection, they are extremely resistant to building failures. To qualify for this type of construction, the roof deck must be designed and constructed in accordance with ACI (American Concrete Institute) 318, including integral construction with a masonry wall system.

Opening Protection – Openings in the wall and roof include windows, doors, sliding glass doors, skylights and garage doors. Gable end vents and other roof vents are not considered openings for purposes of this program. Openings are vulnerable to wind-borne debris impacts in hurricanes and other windstorms. Typical single and double strength glazing are easily broken by impact from lightweight debris that is generated from roof covering failures during high winds. In addition, heavier debris such as roof tiles, 2X4 wood members and plywood will easily penetrate openings that are not protected by impact resistant products.

The protection of openings is perhaps the greatest single loss mitigation strategy for a building. The reason for this is that once a window or door fails, the pressure inside the structure increases due to the breach in the building envelope. The positive pressure inside the building produces an additive load on the building envelope which can be up to twice the load the building would experience without the breach.

Hurricane Impact (Class A) – Either all exterior wall and roof openings, or only all glazed exterior wall and roof 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 resistant doors, and/or impact resistant glazing that meet the requirements of one of the following:

a) SSTD12;

b) ASTM E 1886 and ASTM E 1996 (Missile Level C – 9 lb);

c) Miami-Dade PA 201, 202 and 203; or

d) Florida Building Code TAS 201, 202 and 203.

Basic Impact (Class B) – Either all exterior wall and roof openings, or only all glazed exterior wall and roof 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 resistant doors, and/or impact resistant glazing that meet the requirements of ASTM E 1886 and ASTM E 1996 (missile Level B – 4.5 lb).

Roof Shape - Roof shape refers to the geometry of the roof and not the type of roof covering. There are many common roof shapes in residential construction. Gable and hip are the most common although flat, Dutch hip, gambrel, mono slope and many shape combinations are possible.



Gable roofs have vertical walls that extend all the way to the top of the inverted V and are very common throughout Florida.

A hip roof has sloping ends and sloping sides down to the roof eaves line.

Roof shape determines the aerodynamic pressure loads experienced by the roof due to wind flow and wind direction. Gable and hip shapes and their combinations comprise more than 90% of the residential buildings.

Roof Type Description Figure

GABLE ROOF A roof sloping downward in two parts from a central ridge, so as to form a gable at each end.

HIP ROOF A roof having sloping

ends and sides meeting at an inclined projecting angle.

Secondary Water Resistance (SWR) - Secondary water resistance is a layer of protection that protects the building if the roof covering fails. This mitigation technique is aimed at keeping rainwater out of the house once the roof covering fails. Generally, roof coverings begin to peel off in peak wind gusts ranging from about 70 to 100 mph. The underlayment (felt) also is easily torn and becomes separated from the roof deck, exposing the house interior to water damage. Water enters through the space between the pieces of the roof deck. SWR covers these seams and provides for redundant water proofing of the house.

The most economical way to achieve SWR is to apply Self-Adhering Modified Bitumen Tape to the plywood joints. This self adhering tape is generally known as Ice & Water Shield or Peel N Seal and is a rubber like product applied directly to a roof deck to prevent damage from ice dams in northern climates. Here, the product is applied to the outside of a clean plywood/OSB deck prior to the application of regular underlayments and roof covering. The application of SWR is done when a new roof covering is being put on the house.

Another way to achieve SWR is a foamed polyurethane structural adhesive applied from inside the attic to cover the joints between all plywood sheets. Note that this product is also used to reinforce the connection between the trusses and roof sheathing, qualifying for improved roof deck attachment. Structural adhesives that meet standard AFG-01 should not be confused with foamed insulating products.

The verification of SWR must be done at the time of application since, once covered, it is difficult to verify. The foamed structural adhesive applied from inside the attic however, is readily verified with an attic inspection. Roofing contractors should complete a form to provide certification for the owner in order to receive this credit. Note: underlayments or hot-mopped felts are not SWR.

FBC 2001 Construction - Dwellings built to the standards of Florida Building Code 2001 which became effective 3/1/2001.

Enclosed Building - An enclosed structure is designed assuming that all openings are closed and, therefore, the wind loads are determined using a small internal pressure inside the building.



Partially Enclosed - A partially enclosed building is designed assuming that one or more areas of the building are open to allow wind to enter the building and pressurize the interior. This pressurization means that individual parts of the building must be designed to withstand greater wind loads than an "enclosed" building and thus are stronger than the similar features of an "enclosed" house. However, the openings (windows, doors, etc) in partially enclosed designs are vulnerable to wind-borne debris impact failures and the resulting wind and rain water damage to the building interior and contents.

For insurance rating purposes, clearly the design option chosen for a house in the Wind-Borne Debris Region of the FBC is a key factor in hurricane loss mitigation. Enclosed designs in the Wind-Borne Debris Region will have all glazed openings protected for debris impact. These buildings will perform better that partially enclosed designs and will have lower losses.

E. WINDSTORM LOSS REDUCTION CREDITS FOR NEW CONSTRUCTION (TABLE 1)

Dwellings Constructed to Florida Building Code 2001 and Later

FRAME, MASONRY, OR REINFORCED MASONRY

FBC 2001 CONSTRUCTION OTHER ROOF SHAPE

HIP ROOF SHAPE

FBC WIND INTERNAL NO OPENING OPENING

PROTECTION

NO OPENING OPENING

PROTECTION WIND SPEED PRESSURE PROTECTION PROTECTION

ROOF TERRAIN SPEED OF

DESIGN WINDOWS OR ALL WINDOWS OR ALL

DECK EXPOSURE (MPH) (MPH) DESIGN WBDR NO

SWR SWR NO SWR SWR NO

SWR SWR NO SWR SWR

OTHER B 100 ≥100 ENCLOSED NO 0.68 0.69 0.74 0.74 0.78 0.79 0.81 0.81

ROOF DECK B 110 ≥110 ENCLOSED NO 0.72 0.73 0.78 0.78 0.78 0.79 0.82 0.83

OR B ≥120 ≥120 ENCLOSED NO 0.74 0.75 0.79 0.79 0.78 0.78 0.82 0.82

DIMENSIONAL B OR C ≥120 ≥120 ENCLOSED / PART. ENCL YES 0.77 0.80 0.82 0.84 0.81 0.83 0.85 0.86

LUMBER DECK HVHZ ENCLOSED YES 0.82 0.84 0.85 0.86

REINFORCED B ANY ENCLOSED NO 0.81 0.85

CONCRETE B ANY ENCLOSED / PART. ENCL YES 0.82 0.85

ROOF C ANY ENCLOSED / PART. ENCL YES 0.81 0.89

DECK HVHZ ENCLOSED YES 0.89

FBC = FLORIDA BUILDING CODE HVHZ = HIGH VELOCITY HURRICANE ZONE (Miami-Dade and Broward counties, FBC sections 202 AND 1611ff) WBDR = WIND BORNE DEBRIS REGION SWR = SECONDARY WATER RESISTANCE REINFORCED CONCRETE ROOF DECK includes SWR; Integral with Reinforced Masonry Walls PART. ENCL = PARTIALLY ENCLOSED



F. WINDSTORM LOSS REDUCTION CREDITS FOR EXISTING CONSTRUCTION (TABLE 2)

Dwellings Constructed prior to FBC 2001



T ER R A IN B - 2% D ED UC T IB LE T ER R A IN C - 2% D ED UC T IB LE

F R A M E, M A SON R Y, OR R EIN F OR C ED M A SON R Y

R OOF SH A P E R OOF SH A P E

OT H ER H IP OT H ER H IP

ROOF ROOF DECK ROOF-WALL OPENING

COVER ATTACHM ENT CONNECTION PROTECTION NO SWR SWR NO SWR SWR NO SWR SWR NO SWR SWR

No ne 0.00 0.06 0.47 0.50 0.00 0.07 0.28 0.32

TOE NAILS Bas ic - Windo ws o r All 0.35 0.42 0.62 0.65 0.29 0.38 0.56 0.62

Hurricane - Windo ws o r All 0.44 0.51 0.66 0.70 0.39 0.48 0.64 0.72

No ne 0.35 0.42 0.62 0.66 0.18 0.26 0.44 0.51

CLIPS Bas ic - Windo ws o r All 0.47 0.54 0.68 0.73 0.38 0.48 0.64 0.72

NON - FBC A Hurricane - Windo ws o r All 0.50 0.57 0.70 0.74 0.44 0.54 0.68 0.76

EQUIVALENT (6d @ 6" / 12") No ne 0.35 0.43 0.62 0.67 0.20 0.28 0.45 0.51

SINGLE WRAPS Bas ic - Windo ws o r All 0.47 0.55 0.68 0.73 0.39 0.49 0.64 0.72


No ne 0.35 0.43 0.62 0.66 0.21 0.28 0.45 0.51

DOUBLE WRAPS Bas ic - Windo ws o r All 0.47 0.55 0.68 0.73 0.39 0.49 0.64 0.72


No ne 0.09 0.14 0.49 0.52 0.09 0.14 0.29 0.33



No ne 0.58 0.65 0.68 0.73 0.38 0.44 0.57 0.65


NON - FBC B Hurricane - Windo ws o r All 0.66 0.72 0.73 0.77 0.69 0.78 0.76 0.83




No ne 0.60 0.68 0.68 0.73 0.51 0.63 0.61 0.72



No ne 0.09 0.14 0.49 0.51 0.09 0.14 0.29 0.33

C TOE NAILS Bas ic - Windo ws o r All 0.46 0.51 0.63 0.66 0.45 0.51 0.59 0.64

(8d @ 6" / 6") Hurricane - Windo ws o r All 0.57 0.61 0.68 0.71 0.56 0.61 0.69 0.74

No ne 0.59 0.65 0.68 0.73 0.39 0.45 0.57 0.65

AND CLIPS Bas ic - Windo ws o r All 0.65 0.70 0.73 0.76 0.64 0.71 0.73 0.79

NON - FBC Hurricane - Windo ws o r All 0.67 0.72 0.73 0.77 0.71 0.79 0.76 0.83

EQUIVALENT D No ne 0.62 0.69 0.68 0.73 0.49 0.60 0.61 0.73

(8d @ 6" / 6") SINGLE WRAPS Bas ic - Windo ws o r All 0.68 0.73 0.73 0.77 0.69 0.78 0.75 0.82

DIM ENSIONAL Hurricane - Windo ws o r All 0.68 0.74 0.73 0.77 0.73 0.81 0.76 0.83

LUM BER No ne 0.62 0.70 0.68 0.73 0.55 0.71 0.61 0.74

DECK DOUBLE WRAPS Bas ic - Windo ws o r All 0.68 0.74 0.73 0.77 0.72 0.81 0.76 0.83


No ne 0.11 0.14 0.55 0.56 0.07 0.10 0.33 0.36



No ne 0.49 0.50 0.72 0.73 0.28 0.30 0.53 0.54


FBC A Hurricane - Windo ws o r All 0.63 0.65 0.79 0.80 0.56 0.58 0.78 0.80




No ne 0.49 0.51 0.72 0.73 0.30 0.33 0.53 0.55



No ne 0.18 0.20 0.57 0.57 0.15 0.18 0.35 0.37



No ne 0.70 0.71 0.78 0.79 0.46 0.48 0.66 0.68


FBC B Hurricane - Windo ws o r All 0.77 0.78 0.82 0.83 0.78 0.81 0.84 0.86




No ne 0.73 0.75 0.78 0.79 0.63 0.67 0.72 0.76



No ne 0.18 0.20 0.57 0.57 0.15 0.18 0.35 0.37

C TOE NAILS Bas ic - Windo ws o r All 0.56 0.57 0.71 0.72 0.51 0.54 0.66 0.67

(8d @ 6" / 6") Hurricane - Windo ws o r All 0.66 0.68 0.76 0.77 0.63 0.65 0.76 0.78

No ne 0.70 0.72 0.78 0.79 0.46 0.48 0.66 0.69

AND CLIPS Bas ic - Windo ws o r All 0.76 0.77 0.81 0.82 0.73 0.74 0.81 0.83

FBC Hurricane - Windo ws o r All 0.78 0.78 0.82 0.83 0.80 0.82 0.84 0.86

EQUIVALENT D No ne 0.74 0.76 0.78 0.79 0.60 0.63 0.72 0.76

(8d @ 6" / 6") SINGLE WRAPS Bas ic - Windo ws o r All 0.78 0.80 0.82 0.83 0.78 0.81 0.83 0.86

DIM ENSIONAL Hurricane - Windo ws o r All 0.79 0.80 0.82 0.83 0.82 0.84 0.84 0.86

LUM BER No ne 0.74 0.76 0.78 0.79 0.68 0.74 0.73 0.78

DECK DOUBLE WRAPS Bas ic - Windo ws o r All 0.79 0.81 0.82 0.83 0.81 0.84 0.84 0.86


No ne 0.82 0.80

REINFORCED CONCRETE ROOF DECK Bas ic - Windo ws o r All 0.84 0.88

Hurricane - Windo ws o r All 0.84 0.88



G. PREMIUM CREDIT COMPUTATION

1. In determining which Windstorm Loss Reduction Credit Table to use, it is necessary to know when the dwelling was built and to which edition of the Florida Building Code the construction of dwelling was subject. Existing Construction tables apply to all residential construction built prior to the implementation of Florida Building Code 2001, which became effective March 1, 2002. Post Construction Tables apply to all residential construction built after the implementation of, and subject to, Florida Building Code 2001, which became effective March 1, 2002.

2. Referring to the Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802) provided by the insured, identify the construction material and features present in the structure.

3. Refer to Paragraph D. Definitions of Key Terms, of this rule to determine the applicable Terrain of the risk location.

4. Based on the above information, locate the applicable credit in the table.

Select the appropriate loss reduction factor from the Tables provided in Rule 670. Multiply the resulting Windstorm Loss Reduction Credit by the Wind Base Premium as determined in Rule 300 to determine the premium credit.



675. Evacuation Coverage Coverage is automatically provided at no charge under the Protector Homeowners Program if a mandatory evacuation is ordered by a civil authority, as follows: A. If a mandatory evacuation from the Described Location is ordered in anticipation of impending potential

damage from a Tropical Storm or Hurricane, we will cover costs (such as hotel and food costs) incurred by the Insured during the period of evacuation.

B. We will also cover expenses incurred by the Insured for labor costs if the Insured pays to have storm shutters or plywood installed on the openings of the Described Location.

C. Direct damage to the Described Location need not occur in order for this coverage to be activated. D. This coverage is additional insurance. E. The policy deductible does not apply to this coverage. F. Recovery for loss under this coverage is limited to a maximum of $250. Use Endorsement UPC 174– Evacuation Coverage.



680. Building Code Effectiveness Grading A. General Information

1. The Building Code Effectiveness Grading Schedule develops a grade of 1 to 10 for a community based on the adequacy of its building code and the effectiveness of its enforcement of that code. Policies which cover the perils of Windstorm or Hail are eligible for special rating treatment, subject to the criteria in the following paragraphs. The Building Code Effectiveness Grading factor applies, where applicable, in addition to the Public Protection Classification factors.

2. In some communities, two Building Code Effectiveness Grades may be assigned. One grade will apply to 1 and 2 family dwelling buildings and/or personal property contained in such buildings. The other grade will apply to all other buildings occupied for residential, commercial and/or manufacturing purposes including personal and business property contained therein. The Public Protection Classification Manual will indicate the application of each grade.

3. The Building Code Effectivess Grades for a community, and their effective dates, are provided in the Public Protection Classification Manual published by Insurance Services Office, Inc.

4. The credit/surcharge does not apply when the peril of windstorm or hail is excluded from the policy. B. Community Grading

1. The Building Code Effectiveness Grade applies to any building that has an original certificate of occupancy dated in the year of the effective date of the community grading, or later. A rating factor is provided for each community grade.

2. If a community is re-graded subsequent to its initial grading, the factor for the revised grade applies to buildings that have an original certificate of occupancy dated the year of the effective date of the revised grading, or later.

3. Where certificates of occupancy are not issued, equivalent documentation must be used. 4. If, due to an addition or alteration, the original building is changed to comply with the latest building code,

the factor for the community grading applicable at the time the reconstruction is completed will apply to such building.

5. The Building Code Effectiveness Grade applies to Windstorm/Hail. Specific information is provided in the Public Protection Classification Manual. If the grade in the manual does not apply to Windstorm/Hail, the factor should not be applied.

6. Communities that decline to participate in the Building Code Effectiveness Grading Program will be identified in the Public Protection Classification manual as not participating. Buildings in these communities will receive a premium surcharge, unless they qualify for individual grading under C. below. This surcharge will only apply to buildings that have an original certificate of occupancy dated in or after the year of the effective date of the community evaluation that identifies the community as not participating.

C. Individual Grading Where buildings have been built in full conformance with the natural hazard mitigation elements of one of the nationally recognized building codes even though the community grade is greater than 1, or the community is not participating in the program, exception rating procedures may apply. Any building may be classified as Grade 1 for Windstorm/Hail upon certification by a registered or licensed design professional, based on an in-site inspection, that such building is in compliance with one of the three nationally recognized building codes with respect to mitigation of the Windstorm and/or Hail hazard. This classification is effective only from the date of the certification.

D. Ungraded and Non-Participating Risks Buildings which do not meet the criteria in B. and/or C. above for Grade assignment are rated and coded as either ungraded or non-participating risks. Do not classify as Grade 10.

E. Premium Credit Computation – Community Grading and Individual Grading 1. For graded and ungraded risks, calculate the premium credit as follows:

a. Multiply the previous Wind rating step in the rating algorithm by the appropriate factor found in Rate Table 680 –Building Code Effectiveness Grading Credits; and

b. Multiply the result from step a. above by the Key Factor for the desired amount of insurance. Note: For any building classified as Grade 1 based upon certification as set forth in Paragraph C. of this rule, use Grade 1 in determining the factor from Rate Table 680.

c. For a risk that is eligible for a premium credit under Rule 670. Windstorm Resistive Features of Residential Construction, the combined credit factors from credits obtained from Rule 680. Building Code Effectiveness Grading and Rule 670. may not exceed 90%.

2. For risks identified as non-participating, calculate the premium surcharge as follows:

a. Multiply the previous Wind rating step in the rating algorithm by the surcharge factor of 0.01; and

b. Multiply the result from step a. by the Key Factor for the desired amount of insurance.

c. Use Classification Code 98.



700. Premier Protective Endorsement – HO 00 03 Only A. For an additional charge the Premier Protective Endorsement may be added to an HO 00 03 policy. B. Coverages contained in this endorsement are:

Additional Amounts of Insurance – Coverage A – 10% Personal Property (Coverage C) Replacement Cost Coverage Coverage D extended for one week when untenantability occurs due to civil authority or power

interruption Special Computer Coverage – $2,500 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Backup of Sewers, Drains or Sumps – $5,000 per occurrence (a $250 deductible applies) Lock Replacement when keys are lost or stolen – up to $500 per occurrence Additional coverage amounts: Money increased from $ 200 to $ 300 Securities increased from $1,500 to $ 2,000 Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 2,500 Jewelry, Watches & Furs increased from $1,500 to $ 2,500 Electronic Apparatus in a Motor Vehicle increased from $1,500 to $ 2,500 Silverware, Goldware & Pewterware increased from $2,500 to $ 3,500 Business Property On premises increased from $2,500 to $ 3,500 Off premises increased from $ 1,500 to $ 2,500 Loss Assessment increased from $1,000 to $ 3,000 Medical Payments to Others – increased by $1,000 for each person Property Damage to property of others increased from $500 to $1,500

C. To develop the premium for this option, multiply the previous rating step by a factor of 0.15. Use Endorsement UIM 425 – Premier Protective Endorsement.



710. Premier Protective Plus Endorsement – HO 00 03 Only

A. For an additional charge the Premier Protective Plus Endorsement may be added to an HO 00 03 policy. B. Coverages contained in this endorsement are:

Additional Amounts of Insurance – Coverage A – 25% Personal Property (Coverage C) Replacement Cost Coverage Increased Coverage C to 75% of Coverage A Coverage D extended for one week when untenantability occurs due to civil authority or power

interruption Special Computer Coverage – $20,000 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Backup of Sewers, Drains or Sumps – $5,000 per occurrence (a $250 deductible applies) Lock Replacement when keys are lost or stolen – up to $500 per occurrence Additional coverage amounts: Money increased from $ 200 to $ 500 Securities increased from $1,500 to $ 2,000 Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000 Jewelry, Watches & Furs increased from $1,500 to $ 5,000 Electronic Apparatus in a Motor Vehicle increased from $1,500 to $ 5,000 Silverware, Goldware & Pewterware increased from $2,500 to $ 5,000 Business Property On premises increased from $2,500 to $10,000 Off premises increased from $ 1,500 to $ 2,500 Loss Assessment increased from $1,000 to $10,000 Medical Payments to Others – increased by $1,000 for each person Personal Injury Liability Property Damage to property of others increased from $500 to $1,500

C. To develop the premium for this option, multiply the previous rating step by a factor of 0.20. Use Endorsement UIM 419 – Premier Protective Plus Endorsement.



720. Premier Protective Condominium Endorsement – HO 00 06 Only

A. For an additional charge the Premier Protective Condominium Endorsement may be added to an HO 00 06 policy.

B. Coverages contained in this endorsement are: Personal Property (Coverage C) Replacement Cost Coverage Coverage D extended for one week when untenantability occurs due to civil authority or power

interruption Special Computer Coverage – $5,000 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Lock Replacement when keys are lost or stolen – up to $500 per occurrence Additional coverage amounts: Money increased from $ 200 to $ 500 Securities increased from $1,500 to $ 2,000 Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000 Jewelry, Watches & Furs increased from $1,500 to $ 5,000 Electronic Apparatus in a Motor Vehicle increased from $1,500 to $ 5,000 Silverware, Goldware & Pewterware increased from $2,500 to $ 5,000 Business Property On premises increased from $2,500 to $10,000 Off premises increased from $ 1,500 to $ 2,500 Loss Assessment increased from $1,000 to $10,000 Medical Payments to Others – increased by $1,000 for each person Personal Injury Liability Property Damage to property of others increased from $500 to $1,500

C. To develop the premium for this option, multiply the previous rating step by a factor of 0.25. Use Endorsement UIM 426 – Premier Protective Condominium Endorsement.



730. Premier Mini-Farm Endorsement – HO 00 03 Only A. For an additional charge the Premier Mini-Farm Endorsement may be added to an HO 00 03 policy when

incidental farming operations are conducted on the residence premises. The prohibitions against “working farm” and “livestock and saddle animal” exposures contained in the “Ineligible Risks” section of the Underwriting Guidelines at the beginning of this manual are suspended when this coverage is added to the policy.

B. Eligible Exposures: 1. 20 acres or less; 2. No more than a total of six head of cattle, horses, hogs, pigs, sheep, or other livestock; 3. No more than a total of twelve chickens, roosters, or other poultry animals; 4. Annual gross receipts from incidental farming operations not exceeding $5,000; 5. No additional premises farmed by the insured.

C. Ineligible Exposures: 1. Any farm with either full or part-time farm employees; 2. Aquaculture farms; 3. Exotic animals; 4. Boarding of horses; 5. Dude ranches, resorts, and camps; 6. Horse training; 7. Horseback riding for a fee; 8. Hunting for a fee, fishing for a fee, hunting clubs, fishing clubs, hunting or fishing guide services, or

outfitting services; 9. Nursery operations; 10. Commercial feed lots, stockyards, or sale barns; 11. Commercial grain elevators or storage facilities; 12. Poultry farms (including egg production, hatcheries, and fryer production); 13. Tobacco production; 14. “U pick” or “pick your own” operations; 15. Farms located in a Protection Class 10 community; 16. Farms owned by the insured and rented to others.

D. Underwriting Requirements:

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

Replacement cost estimators must be completed and submitted for all buildings $50,000 or more.

The Company’s Premier Mini-Farm Application (UIM 417) must be completed and submitted.

A monitored central station burglar alarm is required for all Coverage C amounts over $75,000 and/or Scheduled Personal Property amounts over $25,000.

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

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

Four wheel off-road ATVs used only for servicing and maintenance of the residence premises are allowed, for an additional premium, when the Premier Mini-Farm Endorsement is added to the policy. All other usage is prohibited. Up to two four wheel off-road ATVs are allowed per policy.

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

A contract for regularly scheduled garbage pickup must exist – on site trash disposal and trash burning are not allowed.

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

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

An updated renewal application is required every three years.

Other Farm Buildings and Structures – see Rule 580 – Other Structures – and rate accordingly. For other farm buildings and structures, use HO 04 48 – Other Structures – Increased Limits. For additional farm dwellings – use HO 04 40 – Structures Rented to Others – Residence

Premises (mobile homes not allowed).



Liability for additional dwellings rented to others – see Rule 810 – Other Structures Rented To Others – Residence Premises Liability – and rate accordingly. Use HO 04 40 – Structures Rented to Others – Residence Premises.

E. Coverages contained in this endorsement are:

Livestock: $500 per head – mules, donkeys, swine, sheep, and goats. $1,000 per head – horses and cattle under one year of age. $2,000 per head – all other cattle. $50 per bird – all poultry (exotic birds such as ostriches and emus are not allowed).

Farm Property Coverages (automatically included): Unscheduled Farm Personal Property – $5,000. Miscellaneous Unscheduled Agricultural Machinery – $10,000 per article/$20,000 aggregate. Grain – $1,000. Hay in Barns – $1,000. Hay in Stacks – $1,000. Farm Operations Records – $2,500. Glass in Mobile Farm Equipment. Borrowed Farm Machinery – up to $5,000 per loss. Outdoor Radio/TV Antennas & Satellite Dishes – attached to covered dwelling – $500 per loss. Improvements and Betterments. Fences – $2,000 (field or pasture fences not covered). Private Power & Light Poles – $500.

Four wheel off-road All Terrain Vehicles (up to two per residence premises) used for servicing and maintenance of the residence premises – physical damage and liability – must be scheduled on the policy. Coverage only applies at the insured location listed on the policy declarations page. Other restrictions apply – see the Premier Mini-Farm Endorsement for details.

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

Incidental Farming Personal Liability and Medical Payments to Others.

$25,000 Farm Animal Liability Coverage.

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

Chemical Drift Liability – $1,000 aggregate per year (included in Liability section). F. Premium: Section I – Farm Property:

Livestock $1.50 per $100

Four Wheel Off-Road ATVs $2.75 per $100

Farm Property Coverages: (automatically included)

$295.00 per policy

Section II – Personal Liability & Medical Payments to Others:

Coverage E $100,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $45 $48 $51 $54 $57

Coverage E $300,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $60 $63 $66 $69 $72

Coverage E $500,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $75 $78 $81 $84 $87

Four Wheel Off-Road All Terrain Vehicles (premium per ATV – up to two allowed per policy)

$100,000 - $150 $300,000 - $250 $500,000 - $350

Use Endorsement UIM 418 – Premier Mini-Farm Endorsement.



SECTION II – COVERAGES PERSONAL LIABILITY AND MEDICAL PAYMENTS TO OTHERS

800. Basic and Increased Limits – Residence Premises A. Basic Limits of liability Coverage E (Personal Liability): $100,000 Coverage F (Medical Payments to Others): $ 1,000 The premium for these limits is included in the BASE PREMIUM. B. These limits may be increased to $300,000 or $500,000 (Coverage E) and $2,000, $3,000, $4,000 or

$5,000 (Coverage F). If increased limits are written, then the same limits must apply to any Other Exposures covered under the policy, unless otherwise stated.

C. Premium Available Limits of Liability

Coverage E $100,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $0 $3 $6 $9 $12

Coverage E $300,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $18 $21 $24 $27 $30

Coverage E $500,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $28 $31 $34 $37 $40



810. Other Structures Rented To Others – Residence Premises A. The policy may be endorsed to provide coverage when a structure on the residence premises is rented

to others for dwelling purposes. B. Refer to Rule 580.C. for rating Section I Coverage. C. Premium

Available Limits of Liability

Coverage E $100,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $30 $33 $36 $39 $42

Coverage E $300,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $48 $51 $54 $57 $60

Coverage E $500,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $58 $61 $64 $67 $70

Use Endorsement HO 04 40 – Structures Rented to Others – Residence Premises



820. Permitted Incidental Occupancies – Residence Premises A. The policy may be endorsed to provide Coverages E & F for the increased exposure arising from a

permitted incidental occupancy on the residence premises only. Rate by selecting the appropriate premium from the table below.

B. Refer to Rule 550.E. for rating Section I coverage. C. Premium


Coverage E $100,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $25 $26 $27 $28 $29

Coverage E $300,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $33 $34 $35 $36 $37

Coverage E $500,000

Coverage F $1,000 2,000 3,000 4,000 5,000

Premium $38 $39 $40 $41 $42

Use Endorsement HO 04 42 – Permitted Incidental Occupancies – Residence Premises



830. Golf Cart Liability

A. The policy may be endorsed to provide coverage for the liability of the insured arising out of the use of a golf cart. Coverage does not apply to any golf cart while being used to carry persons for hire; for any business activity; rented to others; being operated in races; or being operated outside the boundaries of a recognized retirement community or limited access community unless such use is for golfing.

B. Refer to Rule 620.D. for rating Section I coverage. C. Premium


Coverage E $100,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $25 $26 $27 $28 $29

Coverage E $300,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $33 $34 $35 $36 $37

Coverage E $500,000

Coverage F $1,000 $2,000 $3,000 $4,000 $5,000

Premium $38 $39 $40 $41 $42

Use Endorsement UPC-130 – Extended Liability for Golf Carts



840. Personal Injury

A. Liability coverage for personal injury arising out of specified offenses, such as false arrest, malicious prosecution, wrongful eviction, slander or libel, may be added to the policy. The limit of liability for this coverage is provided on an aggregate limit basis.

B. Premium per policy:

Liability Limit $100,000 $300,000 $500,000

Premium $15 $25 $35

Use Endorsement HO 24 28 – Personal Injury Coverage – Florida (Aggregate Limit Of Liability).



850. Animal Liability Limited Coverage

A. Liability for injury to others or damage to property caused by animals is excluded in all policies issued by

the Company. Form UPC-108 – Animal Liability Exclusion – is attached to all policies. Limited animal liability coverage may be added to the policy in one of the amounts shown below for an additional premium. Not all animals and/or breeds are eligible for coverage – refer to the Company’s ANIMAL LIABILITY UNDERWRITING GUIDELINES for details.

B. $1,000 Coverage F – Medical Payments to Others – is automatically included if this additional coverage is purchased, subject to the terms, conditions and exclusions thereof.

C. Premium Per Policy:

Liability Limit $25,000 $50,000 $100,000

Premium $40 $60 $95

Use Endorsement UIM 501 – Animal Liability Limited Coverage Endorsement – to add this otherwise excluded coverage.



860. Limited Fungi – Liability Coverage

A. Fungi, mold, wet or dry rot, or bacteria coverage is limited under the policy to a sublimit of $50,000. Form

HO 03 34 is mandatory for all policies. B. Higher limits are not available.

Use Endorsement HO 03 34 – Limited Fungi, Wet or Dry Rot, or Bacteria Section II – Liability Coverage – Florida.



FEES AND SURCHARGES

900. Policy Fee A. On business written pursuant to the provisions of Section 626.7541 of the Florida Statutes a twenty-five

dollar ($25) policy fee will be charged to every policy on new or renewal business. B. The policy fee is a flat charge and is fully earned. C. The policy fee is non-commissionable.



910. Emergency Management Preparedness and Assistance Trust Fund Surcharge

A. An Emergency Management Preparedness and Assistance Trust Fund (EMPATF) surcharge of two

dollars ($2) shall be added to every policy on new or renewal business. B. The EMPATF surcharge is a flat charge and is fully earned. C. The EMPATF surcharge is non-commissionable.



920. Florida Insurance Guarantee Association Assessment

A. No Florida Insurance Guarantee Association (FIGA) charges are in effect at this time. The following

paragraphs specify rating and underwriting guidelines to be used in the event a FIGA charge becomes necessary at some future date.

B. Multiply the premium Grand Subtotal by the factor displayed in the Premium Calculation Worksheet and round to the nearest whole dollar.

C. Additional premium endorsements will be subject to the applicable surcharge increase while return premium endorsements will effect a decrease in the applicable surcharge.

D. In the event of policy cancellation, return premium on this assessment shall be prorated. E. The FIGA charge is non-commissionable.

APPROVEDDate Received: Date Of Action:


2/7/2014 05/5/2014



930. Citizens Assessment Recoupment

A. An additional charge may apply on policies before application of the $25 Policy Fee and the $2 EMPATF

Surcharge due to recoupment of an assessment from Citizens Property Insurance Corporation. There is no applicable Citizens recoupment factor in place at this time.

B. Multiply the premium Grand Subtotal by the factor displayed in the Premium Calculation Worksheet and round to the nearest whole dollar.

C. Additional premium endorsements will be subject to the applicable surcharge increase while return premium endorsements will effect a decrease in the applicable surcharge.

D. In the event of policy cancellation, return premium on this assessment shall be prorated. E. The Citizens Assessment Recoupment charge is non-commissionable.


UPC Protector HO Manual HO-T-1 05/14 05/07/14

AOP Territory Definitions and ISO Territory Reference Table

County Territory

Definition of areas covered United ISO

Alachua 192 52 Entire County

Baker 292 52 Entire County

Bay 601 12 All areas South of the North Bank of the ICW

Bay 721 45 Remainder of County

Bradford 392 52 Entire County

Brevard 057 12 All areas East of US 1

Brevard 064 44 Remainder of County

Broward 361 36 All areas East of US 1

Broward 035 35 Cities of Hollywood & Fort Lauderdale, except areas East of US 1

Broward 037 37 Remainder of County

Calhoun 193 52 Entire County

Charlotte 581 12 All areas West of Myakka River and Charlotte Harbor

Charlotte 711 45 Remainder of County

Citrus 591 12 All areas West of US 19

Citrus 731 45 Remainder of County

Clay 492 52 Entire County

Collier 541 12 All areas West of US 41

Collier 551 12 Remainder of County

Columbia 293 52 Entire County

Dade 031 31 All areas East of US 1, except the City of Miami Beach

Dade 033 33 City of Hialeah

Dade 030 30 City of Miami Beach

Dade 032 32 City of Miami, except areas East of US 1

Dade 034 34 Remainder of County

De Soto 712 45 Entire County

Dixie 592 12 All areas South or West of US 19

Dixie 732 45 Remainder of County

Duval 039 39 City of Jacksonville, except for Territory 041

Duval 041 41

North of the St. Johns River: all areas East of the West bank of the ICW. South of the St. Johns river: beginning at the Dames Pt. Bridge, all areas East of SR 113 to SR 115, then all areas East of SR 115 to US 1, then all areas East of US 1 to South county line

Duval 040 40 Remainder of County except for City of Jacksonville and Territory 041

Escambia 602 12 All areas South of I-10

Escambia 043 43 Remainder of County

Flagler 531 12 All areas East of I-95

Flagler 701 45 Remainder of County

Franklin 603 12 Entire County




County Territory


Gadsden 393 52 Entire County

Gilchrist 923 52 Entire County

Glades 552 12 Entire County

Gulf 604 12 All areas South of the North Bank of the ICW

Gulf 722 45 Remainder of County

Hamilton 493 52 Entire County

Hardee 713 45 Entire County

Hendry 553 12 Entire County

Hernando 159 12 All areas West of both US 98 & US 41

Hernando 733 45 Remainder of County

Highlands 714 45 Entire County

Hillsborough 047 47 City of Tampa

Hillsborough 080 48 Remainder of County

Holmes 593 52 Entire County

Indian River 181 18 All areas East of US 1

Indian River 561 12 Remainder of County

Jackson 693 52 Entire County

Jefferson 605 12 All areas South of US 98 (FL 30)

Jefferson 793 52 Remainder of County

Lafayette 893 52 Entire County

Lake 692 52 Entire County

Lee 542 12 All areas West of US 41

Lee 554 45 Remainder of County

Leon 993 52 Entire County

Levy 594 12 All areas South or West of US 19

Levy 734 45 Remainder of County

Liberty 931 52 Entire County

Madison 932 52 Entire County

Manatee 582 12 All areas West of US 41

Manatee 735 45 Remainder of County

Marion 792 52 Entire County

Martin 182 18 All areas East of US 1

Martin 010 10 Remainder of County

Monroe 005 05 All areas except for the City of Key West

Monroe 007 07 City of Key West

Nassau 532 12 All areas East of the West Bank of the ICW

Nassau 892 52 Remainder of County




County Territory


Okaloosa 606 12 All areas South of the North boundary of Eglin Air Force Base

Okaloosa 723 45 Remainder of County

Okeechobee 555 12 Entire County

Orange 090 52 All areas except for the City of Orlando

Orange 049 49 City of Orlando

Osceola 511 51 Entire County

Palm Beach 362 36 All areas East of US 1

Palm Beach 038 38 Remainder of County

Pasco 595 12 All areas West of US 41

Pasco 736 45 Remainder of County

Pinellas 042 42 All areas West of the East bank of the ICW

Pinellas 046 46 City of St. Petersburg

Pinellas 081 48 Remainder of County

Polk 050 50 Entire County

Putnam 992 52 Entire County

Saint Johns 533 12 All areas East of both US 1 & I-95

Saint Johns 702 45 Remainder of County

Saint Lucie 183 18 All areas East of US 1

Saint Lucie 562 12 Remainder of County

Santa Rosa 607 12 All areas South of I-10

Santa Rosa 724 45 Remainder of County

Sarasota 583 12 All areas West of US 41

Sarasota 715 45 Remainder of County

Seminole 512 51 Entire County

Sumter 921 52 Entire County

Suwannee 933 52 Entire County

Taylor 596 12 All areas South or West of US 98

Taylor 737 45 Remainder of County

Union 922 52 Entire County

Volusia 062 12 All areas East of the West bank of the ICW

Volusia 063 44 Remainder of County

Wakulla 608 12 All areas South and East of a boundary line beginning at the West county line extending along US 319 to its Intersection with US 98 and then along US 98 to the East county line

Wakulla 725 45 Remainder of County

Walton 609 12 All areas South of I-10

Walton 726 45 Remainder of County

Washington 934 52 Entire County



Wind Territory Definitions and Reference Table

AOP Territory

United Wind

Territory Zip Codes (Each wind territory is associated with a corresponding AOP territory.The area of a zip code that is listed in each wind

territory is identical to the zip code area that is in the corresponding AOP territory.)

005 005A 33034, 33036, 33037, 33070

005 005B 33040, 33042, 33043, 33050

007 007A 33040

010 010A 33478, 34956, 34974, 34990

010 010B 33438, 33458, 34994, 34997

010 010C 33455, 33469, 34957

030 030A 33109, 33139, 33140, 33141

031 031A 33032, 33033, 33035

031 031B 33039, 33133, 33137, 33138, 33143, 33157

031 031C 33129, 33131, 33132, 33146, 33156, 33158, 33181, 33189, 33190

031 031D 33109, 33139, 33141, 33149, 33154, 33160, 33180

032 032A 33126, 33144, 33147

032 032B 33125, 33127, 33134, 33135, 33137, 33138, 33142, 33150

032 032C 33128, 33132, 33133, 33136, 33145

032 032D 33129, 33130, 33131

033 033A 33010, 33012, 33013, 33014, 33016, 33018

034 034A 33012, 33014, 33015, 33016, 33018, 33054, 33055, 33056, 33122, 33126, 33144, 33147, 33155, 33165, 33166, 33167, 33169, 33172, 33173, 33174, 33175, 33176, 33178, 33182, 33183, 33184, 33185, 33186, 33187, 33193, 33194, 33196, 33199

034 034B 33030, 33031, 33032, 33033, 33034, 33142, 33150, 33168, 33170, 33177

034 034C 33134, 33138, 33161, 33162, 33179

034 034D 33133, 33143, 33146, 33156, 33157

034 034E 33181, 33189

034 034F 33160, 33180

035 035A 33021, 33023, 33024, 33309, 33311, 33312, 33314

035 035B 33315, 33334

035 035C 33020, 33301, 33304, 33305

035 035D 33306, 33308, 33316

037 037A

33021, 33023, 33024, 33025, 33026, 33027, 33028, 33029, 33063, 33065, 33066, 33067, 33068, 33069, 33071, 33073, 33076, 33309, 33311, 33312, 33313, 33314, 33317, 33319, 33321, 33322, 33323, 33324, 33325, 33326, 33327, 33328, 33330, 33331, 33332, 33351, 33442

037 037B 33315, 33334

037 037C 33004, 33060, 33064, 33305

037 037D 33009, 33306, 33308, 33316, 33441

038 038A 33411, 33412, 33413, 33414, 33415, 33417, 33418, 33428, 33430, 33433, 33434, 33437, 33439, 33440, 33446, 33449, 33463, 33467, 33470, 33472, 33473, 33478, 33484, 33493, 33496, 33498

038 038B 33406, 33409, 33436, 33438, 33458, 33461

038 038C 33407, 33410, 33445, 33476, 33486

038 038D 33401, 33403, 33404, 33408, 33426, 33431, 33462, 33469, 33477

038 038E 33405, 33432, 33435, 33444, 33460, 33483, 33487

039 039A 32202, 32204, 32205, 32206, 32207, 32208, 32209, 32210, 32211, 32212, 32214, 32215, 32216, 32217, 32218, 32219, 32220, 32221, 32222, 32223, 32225, 32226, 32234, 32244, 32254, 32256, 32257, 32258, 32277

040 040A 32234



AOP Territory

United Wind Territory

Zip Codes (Each wind territory is associated with a corresponding AOP territory.The area of a zip code that is listed in each wind territory is

identical to the zip code area that is in the corresponding AOP territory.)

041 041A 32216, 32224, 32225, 32226, 32227, 32233, 32246, 32250, 32256, 32266

042 042A 33767, 34698

042 042B 33706, 33707, 33708, 33715, 33785, 33786

043 043A 32514, 32533, 32534, 32535, 32568, 32577

046 046A 33702, 33709, 33710, 33713, 33714, 33716, 33762

046 046B 33701, 33703, 33704, 33707, 33711

046 046C 33705, 33712, 33715

047 047A 33602, 33603, 33604, 33605, 33606, 33607, 33610, 33612, 33613, 33614, 33617, 33619, 33620, 33637, 33647

047 047B 33609, 33611, 33616, 33621, 33629, 33634

049 049A 32789, 32801, 32803, 32804, 32805, 32806, 32807, 32808, 32810, 32811, 32812, 32814, 32819, 32822, 32824, 32827, 32829, 32832, 32835, 32839

050 050A 33547, 33801, 33803, 33805, 33809, 33810, 33811, 33812, 33813, 33815, 33823, 33827, 33830, 33834, 33837, 33838, 33839, 33841, 33843, 33844, 33849, 33850, 33853, 33859, 33860, 33868, 33880, 33881, 33884, 33896, 33897, 33898, 34759

057 057A 32754, 32780, 32815, 32922, 32926, 32927, 32935, 32940, 32952, 32953, 32955

057 057B 32901, 32903, 32905, 32920, 32925, 32931, 32937, 32949, 32950, 32951

062 062A 32114, 32118, 32127, 32169, 32176

063 063A 32102, 32114, 32117, 32119, 32124, 32127, 32128, 32129, 32130, 32132, 32141, 32168, 32169, 32174, 32180, 32190, 32713, 32720, 32724, 32725, 32738, 32744, 32754, 32759, 32763, 32764

064 064A 32754, 32780, 32796, 32904, 32907, 32908, 32909, 32922, 32926, 32927, 32934, 32935, 32940, 32955, 34739

064 064B 32901, 32905, 32949, 32950, 32976

080 080A

33510, 33511, 33527, 33534, 33540, 33547, 33548, 33549, 33556, 33558, 33559, 33563, 33565, 33566, 33567, 33569, 33570, 33572, 33573, 33578, 33579, 33584, 33592, 33594, 33596, 33598, 33607, 33610, 33612, 33613, 33614, 33615, 33617, 33618, 33619, 33624, 33625, 33626, 33634, 33635, 33637, 33647, 33810, 34677

081 081A 33702, 33709, 33714, 33716, 33755, 33756, 33759, 33760, 33761, 33762, 33763, 33764, 33765, 33771, 33773, 33777, 33781, 33782, 34677, 34683, 34684, 34685, 34688, 34695, 34698

081 081B 33770, 33772, 33778, 34689

081 081C 33707, 33708, 33711, 33774, 33776

090 090A

32703, 32709, 32712, 32751, 32757, 32776, 32789, 32792, 32798, 32803, 32804, 32805, 32806, 32807, 32808, 32809, 32810, 32811, 32812, 32814, 32816, 32817, 32818, 32819, 32820, 32821, 32822, 32824, 32825, 32826, 32827, 32828, 32829, 32830, 32831, 32832, 32833, 32835, 32836, 32837, 32839, 34734, 34760, 34761, 34771, 34786, 34787

159 159A 34601, 34604, 34606, 34607, 34608, 34609, 34613, 34614

181 181A 32967

181 181B 32958, 32960, 32962

181 181C 32963

182 182A 34994, 34997

182 182B 33455, 33469, 34957, 34996

183 183A 34946, 34950, 34952, 34982

183 183B 34949, 34957

192 192A 32601, 32603, 32605, 32606, 32607, 32608, 32609, 32611, 32615, 32618, 32622, 32631, 32640, 32641, 32643, 32653, 32666, 32667, 32669, 32694

193 193A 32421, 32424, 32430, 32438, 32449

292 292A 32040, 32063, 32087, 32234

293 293A 32024, 32025, 32038, 32055, 32061, 32643



AOP Territory United Wind Territory

Zip Codes (Each wind territory is associated with a

corresponding AOP territory.The area of a zip code that is listed in each wind territory is identical to the zip code area that is in the

corresponding AOP territory.)

041 041A 32216, 32224, 32225, 32226, 32227, 32233, 32246, 32250, 32256, 32266

042 042A 33767, 34698

042 042B 33706, 33707, 33708, 33715, 33785, 33786

043 043A 32514, 32533, 32534, 32535, 32568, 32577

046 046A 33702, 33709, 33710, 33713, 33714, 33716, 33762

046 046B 33701, 33703, 33704, 33707, 33711

046 046C 33705, 33712, 33715

047 047A 33602, 33603, 33604, 33605, 33606, 33607, 33610, 33612, 33613, 33614, 33617, 33619, 33620, 33637, 33647

047 047B 33609, 33611, 33616, 33621, 33629, 33634

049 049A

32789, 32801, 32803, 32804, 32805, 32806, 32807, 32808, 32810, 32811, 32812, 32814, 32819, 32822, 32824, 32827, 32829, 32832, 32835, 32839

050 050A

33547, 33801, 33803, 33805, 33809, 33810, 33811, 33812, 33813, 33815, 33823, 33827, 33830, 33834, 33837, 33838, 33839, 33841, 33843, 33844, 33849, 33850, 33853, 33859, 33860, 33868, 33880, 33881, 33884, 33896, 33897, 33898, 34759

057 057A 32754, 32780, 32815, 32922, 32926, 32927, 32935, 32940, 32952, 32953, 32955

057 057B 32901, 32903, 32905, 32920, 32925, 32931, 32937, 32949, 32950, 32951

062 062A 32114, 32118, 32127, 32169, 32176

063 063A

32102, 32114, 32117, 32119, 32124, 32127, 32128, 32129, 32130, 32132, 32141, 32168, 32169, 32174, 32180, 32190, 32713, 32720, 32724, 32725, 32738, 32744, 32754, 32759, 32763, 32764

064 064A 32754, 32780, 32796, 32904, 32907, 32908, 32909, 32922, 32926, 32927, 32934, 32935, 32940, 32955, 34739

064 064B 32901, 32905, 32949, 32950, 32976

080 080A

33510, 33511, 33527, 33534, 33540, 33547, 33548, 33549, 33556, 33558, 33559, 33563, 33565, 33566, 33567, 33569, 33570, 33572, 33573, 33578, 33579, 33584, 33592, 33594, 33596, 33598, 33607, 33610, 33612, 33613, 33614, 33615, 33617, 33618, 33619, 33624, 33625, 33626, 33634, 33635, 33637, 33647, 33810, 34677



081 081A

33702, 33709, 33714, 33716, 33755, 33756, 33759, 33760, 33761, 33762, 33763, 33764, 33765, 33771, 33773, 33777, 33781, 33782, 34677, 34683, 34684, 34685, 34688, 34695, 34698

081 081B 33770, 33772, 33778, 34689

081 081C 33707, 33708, 33711, 33774, 33776

090 090A

32703, 32709, 32712, 32751, 32757, 32776, 32789, 32792, 32798, 32803, 32804, 32805, 32806, 32807, 32808, 32809, 32810, 32811, 32812, 32814, 32816, 32817, 32818, 32819, 32820, 32821, 32822, 32824, 32825, 32826, 32827, 32828, 32829, 32830, 32831, 32832, 32833, 32835, 32836, 32837, 32839, 34734, 34760, 34761, 34771, 34786, 34787

159 159A 34601, 34604, 34606, 34607, 34608, 34609, 34613, 34614

181 181A 32967

181 181B 32958, 32960, 32962

181 181C 32963

182 182A 34994, 34997

182 182B 33455, 33469, 34957, 34996

183 183A 34946, 34950, 34952, 34982

183 183B 34949, 34957

192 192A

32601, 32603, 32605, 32606, 32607, 32608, 32609, 32611, 32615, 32618, 32622, 32631, 32640, 32641, 32643, 32653, 32666, 32667, 32669, 32694

193 193A 32421, 32424, 32430, 32438, 32449

292 292A 32040, 32063, 32087, 32234

293 293A 32024, 32025, 32038, 32055, 32061, 32643



AOP

Territory

United Wind

TerritoryZip Codes (Each wind territory is associated with a corresponding AOP territory.The area of a zip code that is listed in each wind territory

is identical to the zip code area that is in the corresponding AOP territory.)

361 361A 33020, 33064

361 361B 33004, 33301, 33304, 33305

361 361C 33009, 33019, 33062, 33306, 33308, 33316, 33441

362 362A 33401, 33403, 33407, 33469

362 362B 33404, 33405, 33408, 33431, 33460, 33462, 33477, 33480

362 362C 33432, 33435, 33483, 33487

392 392A 32044, 32054, 32058, 32091, 32622, 32656, 32666

393 393A 32324, 32330, 32332, 32333, 32343, 32351, 32352

492 492A 32003, 32043, 32065, 32068, 32073, 32234, 32656, 32666

493 493A 32052, 32053, 32096

511 511A33896, 34739, 34741, 34743, 34744, 34746, 34747, 34758, 34759, 34769, 34771,

34772, 34773, 34972

512 512A32701, 32703, 32707, 32708, 32714, 32730, 32732, 32746, 32750, 32751, 32765,

32766, 32771, 32773, 32779, 32792

531 531A 32136, 32137

532 532A 32034

533 533A 32080, 32081, 32082, 32084, 32086, 32095, 32259

541 541A 34114

541 541B 34110, 34112, 34113, 34134, 34141

541 541C 34102, 34103, 34108

541 541D 34140, 34145

542 542A33901, 33903, 33904, 33907, 33908, 33909, 33914, 33919, 33928, 33955, 33990,

33991, 33993

542 542B 33922, 33931, 33956, 34134

542 542C 33921, 33924, 33957

551 551A 34104, 34114, 34116, 34117, 34119, 34120, 34135, 34142

551 551B 34105, 34109, 34110, 34112, 34113, 34141

551 551C 34102, 34103, 34108

552 552A 33471, 33935, 33960, 34974

553 553A 33440, 33935, 34142

554 554A33901, 33903, 33905, 33907, 33908, 33912, 33913, 33916, 33917, 33920, 33928,

33936, 33966, 33967, 33971, 33972, 33973, 33974, 33976, 34135

554 554B 34110, 34134

555 555A 34972, 34974

561 561A 32948, 32966, 32967, 32968, 34739

561 561B 32958, 32960, 32962

562 562A 34945, 34953, 34972, 34983, 34984, 34986, 34987, 34988, 34990

562 562B 34946, 34947, 34950, 34951, 34952, 34981, 34982, 34994

581 581A 33948, 33953, 33981

581 581B 33946, 33947, 34223, 34224

582 582A 34205, 34207, 34209, 34210, 34221, 34228, 34243

582 582B 34215, 34217

583 583A 34228, 34234, 34239, 34243, 34287

583 583B 34223, 34224, 34229, 34231, 34236, 34242, 34275, 34285, 34293

591 591A 34428, 34429, 34448, 34449

592 592A 32359, 32628, 32648, 32680

593 593A 32425, 32440, 32455, 32464

594 594A 32625, 32626, 32693, 34449, 34498

595 595A33556, 33558, 34610, 34638, 34652, 34653, 34654, 34655, 34667, 34668, 34669,

34690, 34691

596 596A 32336, 32347, 32348, 32356, 32359



AOP

Territory

United Wind



601 601A 32403, 32407, 32408, 32413, 32456

602 602A 32505, 32506, 32509, 32511, 32526

602 602B 32501, 32502, 32503, 32504

602 602C 32507, 32508, 32561

603 603A 32320, 32322, 32328, 32346

604 604A 32456

605 605A 32336

606 606A 32539, 32544, 32578, 32580

606 606B 32542, 32547, 32579

606 606C 32541, 32548, 32569

607 607A 32542, 32561, 32563, 32566, 32583

608 608A 32327, 32346, 32355

609 609A 32433, 32435, 32439

609 609B 32413, 32459, 32550

692 692A

32102, 32159, 32195, 32702, 32720, 32726, 32735, 32736, 32757, 32767, 32776,

32778, 32784, 34705, 34711, 34714, 34715, 34731, 34736, 34737, 34748, 34753,

34756, 34762, 34787, 34788, 34797

693 693A 32420, 32423, 32426, 32431, 32440, 32442, 32443, 32445, 32446, 32448, 32460

701 701A 32110, 32137, 32164, 32174

702 702A 32033, 32092, 32145, 32259

711 711A33917, 33927, 33948, 33950, 33952, 33953, 33954, 33955, 33980, 33981, 33982,

33983

712 712A 34266, 34269

713 713A 33825, 33834, 33865, 33873, 33890

714 714A 33825, 33852, 33857, 33870, 33872, 33875, 33876, 33960, 34974

715 715A34202, 34232, 34233, 34234, 34235, 34237, 34239, 34240, 34241, 34243, 34251,

34286, 34287, 34288, 34289, 34291, 34292

715 715B 34229, 34231, 34236, 34238, 34275, 34285, 34293

721 721A 32401, 32404, 32405, 32409, 32413, 32437, 32438, 32444, 32466

722 722A 32456, 32465

723 723A 32531, 32536, 32539, 32564, 32567

724 724A 32564, 32565, 32570, 32571, 32583

725 725A 32327, 32358

726 726A 32433, 32435, 32455, 32464, 32567

731 731A34428, 34429, 34433, 34434, 34436, 34442, 34446, 34448, 34450, 34452, 34453,

34461, 34465

732 732A 32628, 32680

733 733A 33523, 33597, 34601, 34602, 34604, 34614

734 734A 32618, 32621, 32626, 32668, 32693, 32696, 34431, 34449

735 735A33598, 33834, 34201, 34202, 34203, 34205, 34207, 34208, 34211, 34212, 34219,

34221, 34222, 34240, 34243, 34251

736 736A33523, 33525, 33540, 33541, 33542, 33543, 33544, 33545, 33549, 33559, 33576,

33597, 34610, 34637, 34639

737 737A 32331, 32347, 32348, 32356

792 792A

32113, 32134, 32162, 32179, 32195, 32617, 32667, 32668, 32686, 32696, 32702,

32784, 34420, 34431, 34432, 34470, 34471, 34472, 34473, 34474, 34475, 34476,

34479, 34480, 34481, 34482, 34488, 34491

793 793A 32331, 32336, 32344

892 892A 32009, 32011, 32034, 32046, 32097, 32234

893 893A 32008, 32013, 32066

921 921A 32159, 32162, 33513, 33514, 33538, 33585, 33597, 34484, 34785



AOP

Territory

United Wind



922 922A 32054, 32083

923 923A 32008, 32619, 32643, 32669, 32693

931 931A 32321, 32334

932 932A 32059, 32331, 32340, 32350

933 933A 32008, 32024, 32060, 32062, 32064, 32071, 32094

934 934A 32420, 32425, 32427, 32428, 32431, 32437, 32462, 32466

992 992A32043, 32112, 32131, 32134, 32139, 32140, 32148, 32177, 32181, 32187, 32189,

32193, 32640, 32666

993 993A32301, 32303, 32304, 32305, 32306, 32307, 32308, 32309, 32310, 32311, 32312,

32317, 32399


300. Base Premium Determination – Table Index

The following tables should be used in determining the BASE PREMIUM as discussed in Rule 300. of the General Rules:

A. AOP Base Class Premium Table – All Forms

B. Wind Base Class Premium/Wind Exclusion Credit Table – All Forms

C. Form HO 00 03 – Protection/Construction Factor Table

D. Form HO 00 03 – Key Factor Tables, AOP and Wind

E. Form HO 00 04 – Protection/Construction Factor Table

F. Form HO 00 04 – Key Factor Table

G. Form HO 00 06 – Protection/Construction Factor Table

H. Form HO 00 06 – Key Factor Table

I. Sinkhole Exclusion Table

UPC Florida HO Manual HO-T-12 12/14 09/08/14


A. AOP Base Class Premium Table – All Forms

Base Rate Base Rate Base Rate

Territory HO 00 03 HO 00 04 HO 00 06 Territory HO 00 03 HO 00 04 HO 00 06 Territory HO 00 03 HO 00 04 HO 00 06

005 265 52 158 362 302 39 106 609 211 124 156 007 289 75 168 392 267 182 228 692 249 158 214 010 313 116 155 393 310 207 260 693 315 196 262 030 598 28 142 492 237 172 215 701 176 86 215 031 538 26 120 493 289 182 237 702 202 111 167 032 772 56 140 511 329 153 207 711 302 112 214

033 1,015 107 263 512 341 147 215 712 221 112 118 034 1,080 111 187 531 134 110 167 713 208 112 149 035 625 55 124 532 132 100 188 714 244 110 159 037 759 100 244 533 145 110 116 715 162 94 181 038 502 96 250 541 298 113 179 721 328 129 203 039 263 199 247 542 240 100 136 722 257 125 189

040 239 184 311 551 274 104 132 723 254 131 173 041 172 154 274 552 162 104 135 724 260 107 186 042 204 79 152 553 173 104 200 725 195 125 198 043 237 134 199 554 247 103 147 726 224 125 166 046 159 95 171 555 157 91 95 731 303 94 178 047 370 168 311 561 241 102 165 732 181 116 198

049 346 148 227 562 310 99 125 733 315 98 180 050 294 173 228 581 278 113 165 734 175 112 198 057 194 96 136 582 273 104 141 735 193 102 179 062 197 93 131 583 290 100 136 736 389 105 153 063 198 121 233 591 125 107 145 737 203 121 198 064 241 122 227 592 225 114 139 792 345 155 158

080 365 113 167 593 290 204 262 793 213 201 321 081 312 119 218 594 156 111 149 892 210 186 238 090 392 187 253 595 218 105 124 893 314 182 237 159 217 95 102 596 163 119 136 921 226 181 185 181 214 110 175 601 245 127 156 922 301 182 237 182 195 124 195 602 208 124 149 923 294 179 234 183 207 103 156 603 252 137 118 931 314 191 237

192 248 146 203 604 261 124 116 932 265 174 237 193 357 189 237 605 233 115 139 933 298 181 237 292 325 182 226 606 215 117 145 934 283 189 243 293 320 179 228 607 203 121 161 992 336 182 199 361 452 78 212 608 199 122 142 993 240 146 167

UPC Florida HO Manual HO-T-12 5/16




B.1 Wind Base Class Premium / Wind Exclusion Credit Table – HO 00 03

Base Rate Territory HO 00 03 Territory HO 00 03 Territory H0 00 03 Territory H0 00 03 Territory HO 00 03

005A 2,916 040A 225 361B 4,057 582B 1,712 724A 872 005B 3,285 041A 504 361C 4,402 583A 1,710 725A 397

007A 3,145 042A 1,515 362A 3,297 583B 2,382 726A 619

010A 2,173 042B 1,814 362B 3,526 591A 699 731A 921

010B 2,609 043A 1,024 362C 3,775 592A 420 732A 360

010C 2,785 046A 1,456 392A 191 593A 257 733A 1,486

030A 3,721 046B 1,685 393A 202 594A 616 734A 375 031A 3,603 046C 1,954 492A 252 595A 2,122 735A 986

031B 3,874 047A 706 493A 234 596A 662 736A 1,694

031C 4,064 047B 1,010 511A 549 601A 1,461 737A 416

031D 4,187 049A 326 512A 430 602A 1,234 792A 222

032A 2,328 050A 437 531A 811 602B 1,317 793A 296

032B 2,474 057A 1,513 532A 688 602C 1,432 892A 301 032C 2,534 057B 2,435 533A 669 603A 1,802 893A 256

032D 2,594 062A 1,061 541A 2,023 604A 1,274 921A 169

033A 1,861 063A 773 541B 2,614 605A 1,313 922A 216

034A 1,767 064A 1303 541C 2,498 606A 1,204 923A 237

034B 2,110 064B 1,884 541D 2,478 606B 1,310 931A 276

034C 2,819 080A 686 542A 1,481 606C 1,376 932A 251 034D 2,873 081A 1,155 542B 1,848 607A 1,553 933A 238

034E 2,886 081B 1,617 542C 1,855 608A 804 934A 339

034F 3,004 081C 1,759 551A 1,566 609A 1,363 992A 195

035A 2,108 090A 459 551B 2,309 609B 1,590 993A 206

035B 2,350 159A 2,030 551C 2,090 692A 411

035C 2,417 181A 3,043 552A 1,159 693A 254 035D 2,625 181B 2,848 553A 1,071 701A 484

037A 1,613 181C 3,381 554A 1276 702A 312

037B 2,264 182A 3,332 554B 1,332 711A 1228

037C 2,306 182B 3,493 555A 1231 712A 744

037D 2,555 183A 3,329 561A 2,224 713A 614

038A 2,371 183B 3,034 561B 2,408 714A 589 038B 2,841 192A 180 562A 2,024 715A 1140

038C 3,220 193A 285 562B 2,664 715B 1,881

038D 3,251 292A 209 581A 1,420 721A 656

038E 3,274 293A 232 581B 1,837 722A 498

039A 234 361A 3,894 582A 1,518 723A 744





B.2 Wind Base Class Premium / Wind Exclusion Credit Table – HO 00 04 & HO 00 06

Base Rate Base Rate Base Rate Territory HO 00 04 HO 00 06 Territory HO 00 04 HO 00 06 Territory HO 00 04 HO 00 06

005 207 494 362 157 360 609 219 277 007 268 235 392 27 43 692 25 40 010 129 277 393 33 47 693 32 47 030 160 421 492 28 37 701 97 228 031 155 441 493 30 45 702 138 179 032 196 296 511 30 32 711 134 216

033 191 184 512 27 33 712 141 121 034 173 375 531 205 293 713 141 156 035 126 323 532 175 318 714 126 162 037 95 226 533 184 212 715 119 185 038 169 261 541 174 313 721 161 220 039 22 31 542 173 235 722 157 196

040 23 41 551 190 237 723 165 180 041 74 116 552 182 246 724 134 194 042 139 188 553 182 367 725 157 208 043 120 191 554 125 149 726 157 172 046 185 171 555 159 175 731 121 190 047 53 111 561 182 336 732 145 208

049 27 26 562 169 228 733 122 188 050 39 38 581 185 304 734 141 208 057 168 245 582 194 250 735 118 182 062 167 230 583 177 241 736 133 161 063 86 176 591 190 262 737 154 208 064 85 177 592 180 251 792 24 28

080 84 87 593 33 47 793 33 59 081 100 119 594 194 272 892 31 42 090 28 43 595 186 224 893 30 45 159 166 183 596 209 249 921 30 31 181 249 432 601 222 264 922 30 45 182 290 490 602 233 276 923 30 45

183 232 375 603 239 213 931 31 45 192 22 37 604 219 210 932 26 45 193 30 45 605 202 251 933 30 45 292 30 42 606 221 267 934 30 46 293 27 43 607 228 286 992 30 38 361 315 705 608 213 256 993 22 29





C. Protection/Construction Factors – Form HO 00 03

* Masonry Veneer, Aluminum or Plastic Siding over Frame is rated as Frame.

Protection Class Frame Masonry

1-6 1.18 1.00 7-8 1.65 1.06 9 1.88 1.29

10 N/A N/A



D.1 AOP Key Factor Table – Form HO 00 03

Coverage A Amount

AOP Key Factor

Coverage A Amount

AOP Key Factor

50,000 0.661 255,000 2.380 55,000 0.695 260,000 2.425 60,000 0.729 265,000 2.470 65,000 0.763 270,000 2.515 70,000 0.797 275,000 2.560 75,000 0.831 280,000 2.605 80,000 0.865 285,000 2.650 85,000 0.899 290,000 2.695 90,000 0.933 295,000 2.740 95,000 0.967 300,000 2.785

100,000 1.000 305,000 2.830 105,000 1.055 310,000 2.875 110,000 1.110 315,000 2.920 115,000 1.165 320,000 2.965 120,000 1.220 325,000 3.010 125,000 1.275 330,000 3.055 130,000 1.330 335,000 3.100 135,000 1.385 340,000 3.145 140,000 1.440 345,000 3.190 145,000 1.495 350,000 3.235 150,000 1.550 355,000 3.280 155,000 1.585 360,000 3.325 160,000 1.620 365,000 3.370 165,000 1.655 370,000 3.415 170,000 1.690 375,000 3.460 175,000 1.725 380,000 3.505 180,000 1.760 385,000 3.550 185,000 1.795 390,000 3.595 190,000 1.830 395,000 3.640 195,000 1.870 400,000 3.685 200,000 1.910 410,000 3.775 205,000 1.950 420,000 3.865 210,000 1.990 430,000 3.955 215,000 2.030 440,000 4.045 220,000 2.070 450,000 4.135 225,000 2.110 460,000 4.225 230,000 2.155 470,000 4.315 235,000 2.200 480,000 4.405 240,000 2.245 490,000 4.495 245,000 2.290 500,000 4.585 250,000 2.335 Each Additional

$1,000 0.009



D.2 Wind Key Factor Table – Form HO 00 03

Coverage A Amount

Wind Key Factor

Coverage A Amount

Wind Key Factor

50,000 0.661 255,000 2.395 55,000 0.695 260,000 2.440 60,000 0.729 265,000 2.485 65,000 0.763 270,000 2.530 70,000 0.797 275,000 2.575 75,000 0.831 280,000 2.620 80,000 0.865 285,000 2.665 85,000 0.899 290,000 2.710 90,000 0.933 295,000 2.755 95,000 0.967 300,000 2.800

100,000 1.000 305,000 2.845 105,000 1.045 310,000 2.890 110,000 1.090 315,000 2.935 115,000 1.135 320,000 2.980 120,000 1.180 325,000 3.025 125,000 1.225 330,000 3.070 130,000 1.270 335,000 3.115 135,000 1.315 340,000 3.160 140,000 1.360 345,000 3.205 145,000 1.405 350,000 3.250 150,000 1.450 355,000 3.295 155,000 1.495 360,000 3.340 160,000 1.540 365,000 3.385 165,000 1.585 370,000 3.430 170,000 1.630 375,000 3.475 175,000 1.675 380,000 3.520 180,000 1.720 385,000 3.565 185,000 1.765 390,000 3.610 190,000 1.810 395,000 3.655 195,000 1.855 400,000 3.700 200,000 1.900 410,000 3.790 205,000 1.945 420,000 3.880 210,000 1.990 430,000 3.970 215,000 2.035 440,000 4.060 220,000 2.080 450,000 4.150 225,000 2.125 460,000 4.240 230,000 2.170 470,000 4.330 235,000 2.215 480,000 4.420 240,000 2.260 490,000 4.510 245,000 2.305 500,000 4.600 250,000 2.350 Each Additional

$1,000 0.009



E. Protection/Construction Factors – Form HO 00 04

Construction* Protection

Class Frame Masonry 1-6 1.11 1.00 7-8 1.33 1.20 9 1.78 1.44

10 N/A N/A

*Masonry Veneer is rated as Masonry; Aluminum or Plastic Siding over Frame is rated as Frame.



F. Key Factor Table – Form HO 00 04

Coverage C Amount

Key Factor

Coverage C Amount

Key Factor

10,000 0.525 52,000 1.905 11,000 0.576 54,000 1.962 12,000 0.633 56,000 2.019 13,000 0.684 58,000 2.076 14,000 0.734 60,000 2.133 15,000 0.791 62,000 2.190 16,000 0.831 64,000 2.247 17,000 0.870 66,000 2.304 18,000 0.915 68,000 2.361 19,000 0.955 70,000 2.418 20,000 1.000 72,000 2.475 21,000 1.029 74,000 2.532 22,000 1.057 76,000 2.589 23,000 1.086 78,000 2.646 24,000 1.114 80,000 2.703 25,000 1.143 82,000 2.760 26,000 1.172 84,000 2.817 27,000 1.200 86,000 2.874 28,000 1.229 88,000 2.931 29,000 1.257 90,000 2.988 30,000 1.286 92,000 3.045 31,000 1.314 94,000 3.102 32,000 1.341 96,000 3.159 33,000 1.369 98,000 3.216 34,000 1.396 100,000 3.273 35,000 1.424 Each Additional

$1,000 .029 36,000 1.452 37,000 1.479 38,000 1.507 39,000 1.534 40,000 1.562 41,000 1.591 42,000 1.619 43,000 1.648 44,000 1.676 45,000 1.705 46,000 1.734 47,000 1.762 48.000 1.791 49,000 1.819 50,000 1.848



G. Protection/Construction Factors – Form HO 00 06

Construction* Protection

Class Frame Masonry 1-6 1.11 1.00 7-8 1.33 1.20 9 1.78 1.44

10 N/A N/A

*Masonry Veneer is rated as Masonry; Aluminum or Plastic Siding over Frame is rated as Frame.



H. Key Factor Table – Form HO 00 06

Coverage C Amount

Key Factor

Coverage C Amount

Key Factor

6,000 0.367 52,000 2.004 7,000 0.401 54,000 2.069 8,000 0.435 56,000 2.135 9,000 0.475 58,000 2.200

10,000 0.525 60,000 2.266 11,000 0.576 62,000 2.332 12,000 0.633 64,000 2.397 13,000 0.684 66,000 2.463 14,000 0.734 68,000 2.528 15,000 0.791 70,000 2.594 16,000 0.831 72,000 2.660 17,000 0.870 74,000 2.725 18,000 0.915 76,000 2.791 19,000 0.955 78,000 2.856 20,000 1.000 80,000 2.922 22,000 1.063 82,000 2.989 24,000 1.125 84,000 3.056 26,000 1.188 86,000 3.124 28,000 1.250 88,000 3.191 30,000 1.313 90,000 3.258 32,000 1.372 92,000 3.325 34,000 1.431 94,000 3.392 36,000 1.491 96,000 3.460 38,000 1.550 98,000 3.527 40,000 1.609 100,000 3.594 42,000 1.675 Each Additional

0.060 44,000 1.741 $1,000 46,000 1.806 48,000 1.872 50,000 1.938



I. Sinkhole Exclusion Table – Form HO 00 03

Territory United

Sinkhole Exclusion

Factor Territory

United Sinkhole

Exclusion Factor

Territory United

Sinkhole Exclusion

Factor

005 0.999 362 0.998 609 0.998 007 0.999 392 0.998 692 0.895 010 0.998 393 0.997 693 0.997 030 0.998 492 0.997 701 0.997 031 0.998 493 0.998 702 0.998 032 0.999 511 0.998 711 0.998 033 1.000 512 0.996 712 0.998 034 0.999 531 0.998 713 0.996 035 0.999 532 0.998 714 0.998 037 0.997 533 0.998 715 0.998 038 0.999 541 0.998 721 0.997 039 0.997 542 0.999 722 0.998 040 0.997 551 0.998 723 0.999 041 0.997 552 0.998 724 0.997 042 0.999 553 0.998 725 0.997 043 0.999 554 0.999 726 0.998 046 0.985 555 0.998 731 0.886 047 0.935 561 0.998 732 0.996 049 0.998 562 0.994 733 0.448 050 0.995 581 0.999 734 0.998 057 0.998 582 0.998 735 0.998 062 0.998 583 0.999 736 0.432 063 0.998 591 0.998 737 0.997 064 0.993 592 0.997 792 0.976 080 0.892 593 0.997 793 0.998 081 0.908 594 0.996 892 0.998 090 0.998 595 0.472 893 0.998 159 0.456 596 0.942 921 0.998 181 0.998 601 0.998 922 0.998 182 0.998 602 0.998 923 0.998 183 0.998 603 0.998 931 0.996 192 0.965 604 0.997 932 0.998 193 0.998 605 0.998 933 0.996 292 0.998 606 0.998 934 0.998 293 0.998 607 0.998 992 0.997 361 0.998 608 0.997 993 0.997



660. Hurricane Split (all numbers shown are percentages)

Territory HO 00 03 HO 00 04 HO 00 06 Territory HO 00 03 HO 00 04 HO 00 06 Territory HO 00 03 HO 00 04 HO 00 06

005 87.17% 78.52% 74.76% 362 85.88% 79.66% 76.43% 609 72.60% 58.94% 60.55% 007 85.58% 75.82% 58.12% 392 31.81% 10.83% 13.61% 692 43.59% 10.54% 13.13% 010 65.72% 48.00% 58.77% 393 30.77% 10.29% 13.50% 693 35.64% 10.87% 13.32% 030 76.62% 83.03% 71.17% 492 35.91% 10.54% 13.60% 701 48.16% 51.37% 48.79% 031 78.17% 85.65% 77.52% 493 33.74% 10.83% 13.86% 702 43.48% 51.03% 48.97% 032 64.45% 75.53% 66.67% 511 44.87% 12.82% 11.85% 711 57.77% 50.95% 48.25% 033 51.60% 51.85% 37.12% 512 42.11% 11.94% 12.20% 712 52.47% 51.36% 48.37% 034 44.84% 57.12% 64.61% 531 65.43% 58.65% 60.81% 713 55.62% 51.36% 48.50% 035 64.35% 69.30% 70.62% 532 67.88% 58.60% 60.35% 714 52.28% 51.46% 48.46% 037 40.57% 44.98% 44.61% 533 66.47% 59.36% 60.63% 715 74.20% 51.23% 47.71% 038 54.60% 58.82% 46.92% 541 68.88% 58.83% 59.75% 721 53.29% 51.06% 48.47% 039 37.68% 7.15% 8.49% 542 65.12% 58.87% 59.95% 722 57.87% 51.34% 48.22% 040 31.20% 7.39% 8.78% 551 65.94% 58.81% 60.18% 723 57.62% 51.44% 48.12% 041 53.81% 29.81% 28.07% 552 64.37% 58.76% 60.11% 724 57.67% 51.20% 48.22% 042 69.64% 52.94% 50.59% 553 68.07% 58.76% 60.55% 725 53.50% 51.32% 48.63% 043 58.95% 43.76% 40.50% 554 60.36% 51.24% 48.69% 726 47.85% 51.34% 48.30% 046 78.02% 60.59% 44.05% 555 67.38% 58.84% 60.33% 731 58.04% 51.79% 48.67% 047 52.53% 20.54% 24.46% 561 70.79% 59.11% 60.02% 732 58.10% 51.52% 48.63% 049 38.30% 14.48% 9.43% 562 67.75% 59.15% 60.34% 733 57.77% 51.27% 48.56% 050 42.49% 13.87% 12.58% 581 62.02% 58.50% 60.41% 734 53.08% 51.36% 48.63% 057 75.98% 58.54% 59.59% 582 66.43% 58.57% 60.06% 735 65.57% 51.22% 48.22% 062 67.03% 58.90% 60.30% 583 70.18% 58.58% 60.35% 736 52.78% 51.36% 48.48% 063 59.16% 37.12% 36.99% 591 72.69% 59.02% 60.94% 737 58.80% 51.38% 48.63% 064 67.77% 36.68% 37.22% 592 63.22% 58.77% 60.21% 792 32.24% 10.46% 13.12% 080 46.34% 40.33% 31.67% 593 31.85% 10.48% 13.32% 793 35.64% 10.79% 13.41% 081 62.61% 39.99% 32.06% 594 73.00% 58.87% 60.32% 892 36.03% 11.06% 13.37% 090 40.92% 11.08% 13.64% 595 67.65% 59.03% 60.33% 893 35.57% 10.83% 13.86% 159 67.59% 58.92% 60.22% 596 63.85% 58.67% 60.21% 921 31.41% 10.96% 13.13% 181 78.57% 66.57% 62.07% 601 66.99% 58.72% 60.46% 922 25.99% 10.83% 13.86% 182 82.67% 66.06% 62.26% 602 64.88% 58.94% 60.10% 923 36.01% 10.97% 13.99% 183 80.59% 65.96% 62.78% 603 65.21% 58.62% 60.25% 931 30.32% 10.68% 13.86% 192 32.19% 11.07% 13.70% 604 72.63% 58.94% 60.06% 932 36.13% 10.69% 13.86% 193 35.38% 10.41% 13.86% 605 67.71% 58.85% 60.21% 933 31.61% 10.83% 13.86% 292 30.51% 10.83% 13.61% 606 72.50% 59.22% 60.14% 934 33.47% 10.14% 13.79% 293 25.76% 10.97% 13.61% 607 65.49% 58.81% 60.16% 992 34.20% 10.83% 13.86% 361 83.67% 79.71% 75.85% 608 62.54% 58.59% 60.30% 993 32.13% 11.16% 13.64%



680. Building Code Effectiveness Grading Credit Tables

FORM HO 00 03 BCEG Grading Territory Code 0 1 2 3 4 5 6 7 8 9 10

5 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

7 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

10 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

30 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

31 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

32 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

33 .00 .059 .059 .059 .038 .038 .038 .038 .020 .020 .00

34 .00 .069 .069 .069 .038 .038 .038 .038 .013 .013 .00

35 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

37 .00 .069 .069 .069 .038 .038 .038 .038 .013 .013 .00

38 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

39 .00 .127 .127 .127 .076 .076 .076 .076 .026 .026 .00

40 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

41 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

42 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

43 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

46 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

47 .00 .132 .132 .132 .076 .076 .076 .076 .019 .019 .00

49 .00 .059 .059 .059 .038 .038 .038 .038 .020 .020 .00

50 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

57 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

62 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

63 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

64 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

80 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

81 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

90 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

159 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

181 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

182 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

183 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00



192 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

193 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

292 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

293 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

361 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

362 .00 .086 .086 .086 .050 .050 .050 .050 .020 .020 .00

392 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

393 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

492 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

493 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

511 .00 .051 .051 .051 .035 .035 .035 .035 .017 .017 .00

512 .00 .051 .051 .051 .035 .035 .035 .035 .017 .017 .00

531 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

532 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

533 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

541 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

542 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

551 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

552 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

553 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

554 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

555 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

561 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

562 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

581 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

582 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

583 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

591 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

592 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

593 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

594 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

595 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

596 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

601 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00



602 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

603 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

604 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

605 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

606 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

607 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

608 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

609 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

692 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

693 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

701 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

702 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

711 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

712 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

713 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

714 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

715 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

721 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

722 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

723 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

724 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

725 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

726 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

731 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

732 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

733 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

734 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

735 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

736 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

737 .00 .099 .099 .099 .058 .058 .058 .058 .022 .022 .00

792 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

793 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

892 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

893 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00



921 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

922 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

923 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

931 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

932 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

933 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

934 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

992 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00

993 .00 .079 .079 .079 .047 .047 .047 .047 .017 .017 .00


5 .00 .074 .074 .074 .037 .037 .037 .037 .017 .017 .00

7 .00 .089 .089 .089 .054 .054 .054 .054 .020 .020 .00

10 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

30 .00 .089 .089 .089 .054 .054 .054 .054 .020 .020 .00

31 .00 .089 .089 .089 .054 .054 .054 .054 .020 .020 .00

32 .00 .056 .056 .056 .038 .038 .038 .038 .019 .019 .00

33 .00 .089 .089 .089 .054 .054 .054 .054 .020 .020 .00

34 .00 .074 .074 .074 .037 .037 .037 .037 .017 .017 .00

35 .00 .089 .089 .089 .054 .054 .054 .054 .020 .020 .00

37 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

38 .00 .056 .056 .056 .038 .038 .038 .038 .019 .019 .00

39 .00 .218 .218 .218 .145 .145 .145 .145 .073 .073 .00

40 .00 .218 .218 .218 .145 .145 .145 .145 .073 .073 .00

41 .00 .261 .261 .261 .131 .131 .131 .131 .044 .044 .00

42 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

43 .00 .074 .074 .074 .037 .037 .037 .037 .017 .017 .00

46 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

47 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

49 .00 .218 .218 .218 .145 .145 .145 .145 .073 .073 .00

50 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00



57 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

62 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

63 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

64 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

80 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

81 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

90 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

159 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

181 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

182 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

183 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

192 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

193 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

292 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

293 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

361 .00 .074 .074 .074 .037 .037 .037 .037 .017 .017 .00

362 .00 .074 .074 .074 .037 .037 .037 .037 .017 .017 .00

392 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

393 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

492 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

493 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

511 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

512 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

531 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

532 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

533 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

541 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

542 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

551 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

552 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

553 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

554 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

555 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

561 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00



562 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

581 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

582 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

583 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

591 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

592 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

593 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

594 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

595 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

596 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

601 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

602 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

603 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

604 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

605 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

606 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

607 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

608 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

609 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

692 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

693 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

701 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

702 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

711 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

712 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

713 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

714 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

715 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

721 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

722 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

723 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

724 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

725 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

726 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00



731 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

732 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

733 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

734 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

735 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

736 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

737 .00 .128 .128 .128 .074 .074 .074 .074 .030 .030 .00

792 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

793 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

892 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

893 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

921 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

922 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

923 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

931 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

932 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

933 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

934 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

992 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00

993 .00 .180 .180 .180 .113 .113 .113 .113 .049 .049 .00




5 .00 .095 .095 .095 .049 .049 .049 .049 .017 .017 .00

7 .00 .059 .059 .059 .036 .036 .036 .036 .014 .014 .00

10 .00 .150 .150 .150 .087 .087 .087 .087 .029 .029 .00

30 .00 .059 .059 .059 .036 .036 .036 .036 .014 .014 .00

31 .00 .095 .095 .095 .049 .049 .049 .049 .017 .017 .00

32 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

33 .00 .059 .059 .059 .036 .036 .036 .036 .014 .014 .00

34 .00 .077 .077 .077 .041 .041 .041 .041 .017 .017 .00

35 .00 .077 .077 .077 .041 .041 .041 .041 .017 .017 .00

37 .00 .077 .077 .077 .041 .041 .041 .041 .017 .017 .00

38 .00 .095 .095 .095 .049 .049 .049 .049 .017 .017 .00

39 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

40 .00 .182 .182 .182 .100 .100 .100 .100 .039 .039 .00

41 .00 .325 .325 .325 .181 .181 .181 .181 .081 .081 .00

42 .00 .095 .095 .095 .049 .049 .049 .049 .017 .017 .00

43 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

46 .00 .182 .182 .182 .100 .100 .100 .100 .039 .039 .00

47 .00 .182 .182 .182 .100 .100 .100 .100 .039 .039 .00

49 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

50 .00 .325 .325 .325 .181 .181 .181 .181 .081 .081 .00

57 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

62 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

63 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

64 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

80 .00 .150 .150 .150 .087 .087 .087 .087 .029 .029 .00

81 .00 .150 .150 .150 .087 .087 .087 .087 .029 .029 .00

90 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

159 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

181 .00 .150 .150 .150 .087 .087 .087 .087 .029 .029 .00

182 .00 .150 .150 .150 .087 .087 .087 .087 .029 .029 .00

183 .00 .150 .150 .150 .087 .087 .087 .087 .029 .029 .00

192 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

193 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00



292 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

293 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

361 .00 .077 .077 .077 .041 .041 .041 .041 .017 .017 .00

362 .00 .077 .077 .077 .041 .041 .041 .041 .017 .017 .00

392 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

393 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

492 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

493 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

511 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

512 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

531 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

532 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

533 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

541 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

542 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

551 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

552 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

553 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

554 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

555 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

561 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

562 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

581 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

582 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

583 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

591 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

592 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

593 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

594 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

595 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

596 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

601 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

602 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

603 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00



604 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

605 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

606 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

607 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

608 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

609 .00 .137 .137 .137 .082 .082 .082 .082 .027 .027 .00

692 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

693 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

701 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

702 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

711 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

712 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

713 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

714 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

715 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

721 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

722 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

723 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

724 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

725 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

726 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

731 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

732 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

733 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

734 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

735 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

736 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

737 .00 .224 .224 .224 .125 .125 .125 .125 .044 .044 .00

792 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

793 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

892 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

893 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

921 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

922 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00



923 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

931 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

932 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

933 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

934 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

992 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00

993 .00 .461 .461 .461 .246 .246 .246 .246 .123 .123 .00


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