Coverage Worksheet Wind-Only Condominium Unit Owners

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1 HW-6 Coverage Worksheet Wind-Only Condominium Unit Owners Coverage Type Standard Coverages Coverage A: Dwelling (Primary Structure) Covered Causes of Loss Wind and Hail Loss Settlement (Replacement Cost or Actual Cash Value) Minimum Coverage A (Coverage for the dwelling) Replacement Cost $1,000 Maximum Coverage A $800,000 Cov A & C Combined Coverage B: Other Structures (Buildings or structures that are not the Primary Structure) Covered Causes of Loss Loss Settlement Coverage Amount Coverage A and B note Pool coverage Carports, porches, aluminum framed screened enclosures, screen pool cages or similar structures with a roof or covering of aluminum, fiberglass, plastic, vinyl, fabric or screening, constructed to be open to the weather, are not covered. Any structure that has a roof or covering of thatch, grass, palm, lattice, slats, or similar material is not covered. In-ground pools that adjoin or abut the dwelling are covered under Coverage A. Above ground pools are covered as Yes, maximum Coverage A and C limits apply. (08/22/17) NAIC#

2 personal property, Coverage C. Coverage A and D: Special Limits Cosmetic and Aesthetic Damage to Floors Coverage C: Personal Property Covered Causes of Loss Wind and Hail Loss Settlement (Replacement Cost or Actual Cash Value) Actual Cash Value Yes, Replacement Cost available. Coverage Amount Minimum $6,000; Maximum $900,000 Cov A & C Combined Coverage C: Personal Property Special Limits (Special Limits apply to all causes of loss) Theft away from premises t covered Money, bank notes, etc. $200 limit Securities, deeds, etc. $1,500 limit Watercraft (other than personal watercraft, which are excluded) $1,500 limit Trailers not used with watercraft $1,500 limit Jewelry/furs $1,000 limit Firearms $2000 limit Silverware $200 limit Business property on premises $2,500 limit Business property off premises $500 limit Electronic apparatus $1,500 limit Refrigerated property on premises $500 limit Refrigerated property off premises t Covered Reasonable Emergency Measures Limit (08/22/17) NAIC#

3 Costs incurred solely to protect property from further damage or unwanted entry, resulting from a covered loss Up to the greater of $3,000 or 1% of your Cov A limit Coverage D: Loss of Use 20% of Cov C Coverage E: Liability t Covered Coverage F: Medical Payments t Covered Additional Coverages Debris Removal (Trees Wind) Credit Card, Fund Transfer, Forgery and Counterfeit Money Debris Removal - Covered up to 5% of Coverage A; Tree Removal - Maximum $500 per tree, $1,000 total t Covered Loss Assessment $2,000 Optional Coverages Animal Liability t Covered Earthquake Coverage t Covered Extended/increased replacement cost on dwelling t Covered Golf Cart Limited Coverage included Identity Theft or Identity Fraud Expense Coverage t Covered Incidental Occupancy t Covered Limited Fungi, Wet or Dry Rot, or Bacteria Coverage Section I Property Limited Fungi, Wet or Dry Rot, or Bacteria Coverage Section II Liability $10,000 Property Limit t Covered Windstorm or Hail Exclusion Ordinance or Law 25% Yes, 50% limit available. Sinkhole t Covered Scheduled Personal Property t Covered (08/22/17) NAIC#

4 Water Backup of Sewers and Drains or Sump Overflow t Covered Loss Reporting and Repair Limitations Permanent repairs made without company authorization Water Loss Limitations Is water damage coverage limited based on the age of dwelling? Is there a complete water damage exclusion? If water damage is excluded, is a buy-back offered? Is there a coverage limitation restricting tear-out, and are repairs only to the portion of the plumbing system or appliance that caused the loss? Roof Loss Settlement Limitations Actual Cash Value Loss Settlement due to age of roof? Actual Cash Value Roof Loss Settlement due to roof type? Claims Handling Preferred Contractor (managed repair) optional Preferred Contractor (managed repair) mandatory How is Additional Living Expense paid/administered? Other Wind Mitigation Credits Deductible Options Vericlaim Repair Solutions Check; Vendor (Temporary Accommodations) Available Yes. Credits are dependent upon wind resistive features installed. (08/22/17) NAIC#

5 Hurricane Deductibles $500, 2%, 3%, 4%, 5%, 10% Other Wind Deductibles $500, 2%, 3%, 4%, 5% Payment Options Are payment plans available, other than full-pay? If Yes to above, what payment options are available? What down payment percentage is required for each? Yes Semi-Annual and Quarterly Semi-Annual - 60% Quarterly - 40% Is premium finance available/acceptable? This comparison is for informational purposes only and is not intended to interpret your Citizens policy. This information does not confer any rights upon you and does not alter, amend, change or negate the coverage set forth in your Citizens policy. Your rights and responsibilities are specifically set forth in your Citizens policy. Please refer to your Citizens policy, or contact your agent if you have questions about your Citizens coverage. (08/22/17) NAIC#

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