lit UNTFebruasy 25, 2016

RE: Renter’s Insurance

Dear Valued Resident of Fort Lee Family Housing:

As you may be aware, in 2015 the Department of Defense announced a major change that affected your BasicAllowance for Housing. The Fiscal Year 2015 National Defense Authohzation Act eliminated Renter’s Insurance as acomponent of BAH.

Despite the announced change last year, Hunt Military Communities will continue to provide full renters insurance(including personal property coverage) for all current residents. The current policy will be provided through February112017. Any future changes to renters insurance coverage will be in accordance with your resident lease.

As always, we appreciate you choosing to live in Fort Lee Family Housing community. If you have any questions,please contact your local community office at 804-733-1558.

~el,

Charleen HerriottFort Lee Family HousingCommunity Director

As a benefit to all military residents, Hunt provides renters insurance at no additional cost. This insurance provides a limited amount of coverage for personal property and may be extended to cover the personal property owned by family members and guests while it is on the resident’s premises.

The renter’s insurance program also provides personal liability insurance. This coverage does not extend to any liability arising from the use of motor vehicles nor does this coverage extend to any liability arising from assault and batteries, and/or the operation of a home business including day care services.

Each resident is encouraged to supplement this basic renter’s insurance based upon their own assessment of the amount of property and liability coverage needed to protect their own interests. A resident’s estimated value of their property (ie. household furniture jewelry, clothing and other personal property) may exceed the coverage limits of the Renter’s Policy.

RENTER’S PERSoNal PRoPERTy aNd

liabiliTy iNSuRaNcESummaRy

FORT LEE FamiLy HOusing 1510, Sisisky Blvd Fort Lee, VA 23801

804.733.1558

fortleefamilyhousing.com

aNSwERS To commoN RENTER’S iNSuRaNcE quESTioNSQ: What should i do if i have a claim

to report? a: Please report claims to Hunt Claims

Department Phone: 1-800-969-4868 ext. 228

Fax: 915-533-1172 Email: claims@huntcompanies.com

When reporting a claim you should advise the property manager that a claim has been filed.

in the event of a loss, the following duties apply:1. Give Hunt Claims Department prompt

notice of the loss or damage.2. Notify the police in case of loss by theft.3. Protect the property from further damage.

If repairs to the property are required, the resident must:

a. Make reasonable and necessary repairs to protect the property; and

b. Keep an accurate record of repair expenses

4. Cooperate with the Hunt Companies Claims Department and Insurance Company

5. Prepare an inventory of damaged personal property showing quantity, description, actual cash value and amount of loss. Attach all bills, receipts and related documents that justify inventory figures. (see below)

6. As often as reasonably required, a. Show the damaged property; b. Provide the insurer with records

and documents they request and allow them to make copies;

c. Submit to an examination under oath. d. Photos and repair estimates of

damaged property must be provided.

7. Within 60 days of loss, request and send a signed, sworn proof of loss to the Hunt Claims Department setting forth:

a. The time and cause of loss; b. The interest of the tenant and all

others in the property involved; c. Other insurance which may cover the loss; d. Changes in title or occupancy of the

property during the term of the policy; e. The inventory of damaged

personal property. Q: Does the policy provide coverage for

water damage?a. Flood damage is excluded. The policy does

provide full limits coverage regarding interior water issues which could include overflow of a bathtub, water heater failure, dishwasher malfunction, or plumbing leakage. Sewer backup is covered with a $5,000 sublimit.

Q: How does the insurance carrier decide whether to repair or replace my damaged personal property?

a. If you replace the property, the carrier will pay you the lessor of the cost to either restore, repair or replace it – less your deductible. (subject to any sublimits or terms found in the policy)

Q: Who pays the premium? a. This coverage is provided as a benefit to all

residents in Hunt privatized housing.Q. How much is the deductible and who is

responsible for paying it?a. The tenant is responsible for the deductible

of $250 per occurrence for personal property and $0 for liability.

This brochure is a summary of the coverages provided. The policy and policy forms shound be referred to for specific questions.

COVERagE LimiTs EXCLuDing POLiCy suB LimiTs:Personal Property: $20,000 per unit, per occurrencePersonal Liability: $100,000 per tenant household, per occurrencemedical Payments $1,000 per person/$1,000 per accidentFire Legal Liability: $100,000 per tenant, per occurrence

signiFiCanT PROPERTy suB LimiTs:Watercraft $1,500money, Coins, smart Cards $200Firearms $1,000 loss by TheftJewelry, Watches, Furs $1,000 loss by Theftsewer Backup $5,000Loss of use $2,500

signiFiCanT PROPERTy EXCLusiOns:Wear and tear Flood of the unit Pollution mold EarthquakeWar/Terrorism named/numbered intentional Loss Windstorm spoilage/ mysterious Power Failure Disappearance

PROPERTy nOT COVERED:Business Data animals, Birds or Fish Credit Cards aTVsmotor Vehicles

signiFiCanT LiaBiLiTy EXCLusiOns:Home Business activities including Day Care servicesassault and Batterymotor Vehicle LiabilityLead Exposure/asbestosWatercraft Liability

Note: This is a brief explanation of the coverage only