SERFF Tracking #: AGIA State Tracking #: Company Tracking #: UNAIC-NC-HO3-FF 1213

Transcription

1 SERFF Tracking #: AGIA State Tracking #: Company Tracking #: UNAIC-NC-HO3-FF 1213 State: North Carolina Filing Company: Universal North America Insurance Company TOI/Sub-TOI: 04.0 Homeowners/ Homeowners Sub-TOI Combinations Product Name: UNAIC NC HO Project Name/Number: / Filing at a Glance Company: Product Name: State: TOI: Sub-TOI: Filing Type: Universal North America Insurance Company UNAIC NC HO North Carolina 04.0 Homeowners Homeowners Sub-TOI Combinations Form Date Submitted: 01/08/2014 SERFF Tr Num: SERFF Status: State Tr Num: State Status: AGIA Closed-Approved Approved Co Tr Num: UNAIC-NC-HO3-FF 1213 Effective Date Requested (New): Effective Date Requested (Renewal): Author(s): Reviewer(s): 04/01/ /01/2014 Anna Alegre, Steve Smith, Leanne Provenzano Helen Best (primary) Disposition Date: 01/09/2014 Disposition Status: Approved Effective Date (New): 04/01/2014 Effective Date (Renewal): 04/01/2014 PDF Pipeline for SERFF Tracking Number AGIA Generated 01/09/ :44 AM

2 SERFF Tracking #: AGIA State Tracking #: Company Tracking #: UNAIC-NC-HO3-FF 1213 State: North Carolina Filing Company: Universal North America Insurance Company TOI/Sub-TOI: 04.0 Homeowners/ Homeowners Sub-TOI Combinations Product Name: UNAIC NC HO Project Name/Number: / General Information Project Name: Project Number: Reference Organization: Reference Title: Filing Status Changed: 01/09/2014 State Status Changed: 01/09/2014 Created By: Anna Alegre Corresponding Filing Tracking Number: State TOI: 04.0 Homeowners Status of Filing in Domicile: Domicile Status Comments: Reference Number: Advisory Org. Circular: Deemer Date: Submitted By: Anna Alegre State Sub-TOI: Homeowners Sub-TOI Combinations Filing Description: This is a form filing for Universal North America Insurance Company's Personal Homeowners Program. Company and Contact Filing Contact Information Steve Smith, VP Personal Lines Property 2548 Campbell Place Carlsbad, CA ssmith@arrowheadgrp.com [Phone] 6381 [Ext] [FAX] Filing Company Information (This filing was made by a third party - arrowheadgeneralinsuranceagency) Universal North America Insurance Company 101 Arthur Andersen Parkway Suite 220 Sarasota, FL (941) ext. [Phone] CoCode: Group Code: 71 Group Name: Universal Group Inc. FEIN Number: State of Domicile: Texas Company Type: State ID Number: Filing Fees Fee Required? Retaliatory? Fee Explanation: No No PDF Pipeline for SERFF Tracking Number AGIA Generated 01/09/ :44 AM

3 SERFF Tracking #: AGIA State Tracking #: Company Tracking #: UNAIC-NC-HO3-FF 1213 State: North Carolina Filing Company: Universal North America Insurance Company TOI/Sub-TOI: 04.0 Homeowners/ Homeowners Sub-TOI Combinations Product Name: UNAIC NC HO Project Name/Number: / Correspondence Summary Dispositions Status Created By Created On Date Submitted Approved Helen Best 01/09/ /09/2014 PDF Pipeline for SERFF Tracking Number AGIA Generated 01/09/ :44 AM

4 SERFF Tracking #: AGIA State Tracking #: Company Tracking #: UNAIC-NC-HO3-FF 1213 State: North Carolina Filing Company: Universal North America Insurance Company TOI/Sub-TOI: 04.0 Homeowners/ Homeowners Sub-TOI Combinations Product Name: UNAIC NC HO Project Name/Number: / Disposition Disposition Date: 01/09/2014 Effective Date (New): 04/01/2014 Effective Date (Renewal): 04/01/2014 Status: Approved Comment: This references the captioned filing. Your policy form filing is hereby approved in accordance with North Carolina General Statute (a). If the effective dates are changed, you must notify us in writing prior to the effective date. Rate data does NOT apply to filing. Schedule Schedule Item Schedule Item Status Public Access Supporting Document Form Filing Questionnaire FC-048 Approved Yes Supporting Document Form Revision Approved Yes Supporting Document Filing Memorandum Approved Yes Supporting Document Filing Authorization Approved Yes Form Declaration Page Approved Yes Form Advisory Notice to PolicyHolders North Carolina Approved Yes Form Advisory Notice to PolicyHolders North Carolina (Homeowners 3 - Special Form) Approved Yes PDF Pipeline for SERFF Tracking Number AGIA Generated 01/09/ :44 AM

5 SERFF Tracking #: AGIA State Tracking #: Company Tracking #: UNAIC-NC-HO3-FF 1213 State: North Carolina Filing Company: Universal North America Insurance Company TOI/Sub-TOI: 04.0 Homeowners/ Homeowners Sub-TOI Combinations Product Name: UNAIC NC HO Project Name/Number: / Form Schedule Item Schedule Item No. Status 1 Approved 01/09/ Approved 01/09/ Approved 01/09/2014 Form Name Declaration Page Advisory Notice to PolicyHolders North Carolina Advisory Notice to PolicyHolders North Carolina (Homeowners 3 - Special Form) Form Number AHHO- ADN NC (04/14) HO P HO P Edition Form Form Action Specific Date Type Action Data 04/14 DEC Replaced Previous Filing Number: Replaced Form Number: AGIA AHHO-ADN NC (06/09) Readability Score Attachments FILING DEC 0414_Final.pdf, FILING DEC Markup 0414.pdf 06/12 DSC New HO P Advisory Notice to Policyholders - NC (Endorsements). pdf 06/12 DSC New HO P Advisory Notice to Policyholders Policy Form.pdf Form Type Legend: ABE Application/Binder/Enrollment ADV Advertising BND Bond CER Certificate CNR Canc/NonRen Notice DEC Declarations/Schedule DSC Disclosure/Notice END Endorsement/Amendment/Conditions ERS Election/Rejection/Supplemental Applications OTH Other PDF Pipeline for SERFF Tracking Number AGIA Generated 01/09/ :44 AM

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7 UNIVERSAL NORTH AMERICA INSURANCE COMPANY ADVISORY NOTICE NORTH CAROLINA PLEASE READ IT CAREFULLY COINSURANCE CONTRACT Please note your policy contains a coinsurance clause. Please refer to your policy for full details WARNING: THIS PROPERTY INSURANCE POLICY DOES NOT PROTECT YOU AGAINST LOSSES FROM FLOODS, EARTHQUAKES, MUDSLIDES, MUDFLOWS, AND/OR LANDSLIDES. YOU SHOULD CONTACT YOUR INSURANCE COMPANY OR AGENT TO DISCUSS YOUR OPTIONS FOR OBTAINING COVERAGE FOR THESE LOSSES. THIS IS NOT A COMPLETE LISTING OF ALL THE CAUSES OF LOSSES NOT COVERED UNDER YOUR POLICY. YOU SHOULD READ YOUR ENTIRE POLICY TO UNDERSTAND WHAT IS COVERED AND WHAT IS NOT COVERED. All other policy Terms and Conditions apply. AHHO-ADN NC (04/14) Page 1 of 1

8 UNIVERSAL NORTH AMERICA INSURANCE COMPANY ADVISORY NOTICE NORTH CAROLINA PLEASE READ IT CAREFULLY COINSURANCE CONTRACT Please note your policy contains a coinsurance clause. Please refer to your policy for full details WARNING: THIS PROPERTY INSURANCE POLICY DOES NOT PROTECT YOU AGAINST LOSSES FROM FLOODS, EARTHQUAKES, MUDSLIDES, MUDFLOWS, LANDSLIDES, WINDSTORM OR HAIL. YOU SHOULD CONTACT YOUR INSURANCE COMPANY OR AGENT TO DISCUSS YOUR OPTIONS FOR OBTAINING COVERAGE FOR THESE LOSSES. THIS IS NOT A COMPLETE LISTING OF ALL THE CAUSES OF LOSSES NOT COVERED UNDER YOUR POLICY. YOU SHOULD READ YOUR ENTIRE POLICY TO UNDERSTAND WHAT IS COVERED AND WHAT IS NOT COVERED. All other policy Terms and Conditions apply. AHHO-ADN NCX (04/14) Page 1 of 1

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12 UNIVERSAL NORTH AMERICA INSURANCE COMPANY ADVISORY NOTICE NORTH CAROLINA PLEASE READ IT CAREFULLY COINSURANCE CONTRACT Please note your policy contains a coinsurance clause. Please refer to your policy for full details WARNING: THIS PROPERTY INSURANCE POLICY DOES NOT PROTECT YOU AGAINST LOSSES FROM FLOODS, EARTHQUAKES, MUDSLIDES, MUDFLOWS, AND/OR LANDSLIDES. YOU SHOULD CONTACT YOUR INSURANCE COMPANY OR AGENT TO DISCUSS YOUR OPTIONS FOR OBTAINING COVERAGE FOR THESE LOSSES. THIS IS NOT A COMPLETE LISTING OF ALL THE CAUSES OF LOSSES NOT COVERED UNDER YOUR POLICY. YOU SHOULD READ YOUR ENTIRE POLICY TO UNDERSTAND WHAT IS COVERED AND WHAT IS NOT COVERED. All other policy Terms and Conditions apply. AHHO-ADN NC (06/0904/14) Page 1 of 1

13 UNIVERSAL NORTH AMERICA INSURANCE COMPANY ADVISORY NOTICE NORTH CAROLINA PLEASE READ IT CAREFULLY COINSURANCE CONTRACT Please note your policy contains a coinsurance clause. Please refer to your policy for full details WARNING: THIS PROPERTY INSURANCE POLICY DOES NOT PROTECT YOU AGAINST LOSSES FROM FLOODS, EARTHQUAKES, MUDSLIDES, MUDFLOWS, LANDSLIDES, WINDSTORM OR HAIL. YOU SHOULD CONTACT YOUR INSURANCE COMPANY OR AGENT TO DISCUSS YOUR OPTIONS FOR OBTAINING COVERAGE FOR THESE LOSSES. THIS IS NOT A COMPLETE LISTING OF ALL THE CAUSES OF LOSSES NOT COVERED UNDER YOUR POLICY. YOU SHOULD READ YOUR ENTIRE POLICY TO UNDERSTAND WHAT IS COVERED AND WHAT IS NOT COVERED. All other policy Terms and Conditions apply. AHHO-ADN NCX (10/1042/14) Page 1 of 1

14 COUNTY: CABARRUS OCC: PGM: HO3 CH BAND: HO3 Choice TERR: BLT: PRT CLS:

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16 ADVISORY NOTICE TO POLICYHOLDERS NORTH CAROLINA (ENDORSEMENTS) HOMEOWNERS HO P CAUTION: No coverage is provided by this summary; nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the Policy and this summary, THE PROVISIONS OF YOUR POLICY SHALL PREVAIL. Your Declarations page shows the optional endorsements that apply to your policy. If any of the optional endorsements below are listed on your Declarations page, the description shown summarizes the coverage changes in the revised version of the endorsement. OPTIONAL ENDORSEMENTS HO 04 12, Increased Limits On Business Property We have revised this endorsement to increase the special limit of liability for business property away from the residence premises. HO 04 35, Supplemental Loss Assessment Coverage This endorsement provides additional amounts of loss assessment coverage, but the previous version contained a "special limit" of $1,000 when the assessment resulted from a deductible in a corporation or association of property owners' insurance policy. We have eliminated the $1,000 "special limit". HO 04 84, Limited Water Back-up And Sump Discharge Or Overflow Coverage North Carolina 1. We have revised the endorsement to reinforce that the coverage provided by the endorsement, in general, is limited to water or waterborne material originating from within the dwelling in which the named insured resides and which backs up through sewers or drains or overflows or is discharged from a sump, sump pump or related equipment. 2. The previous version of this endorsement had a special deductible of $250. We've removed this deductible and, as a result, your policy's deductible will apply to Limited Water Back-up And Sump Discharge Or Overflow Coverage. HO 32 27, Additional Coverages North Carolina The previous version of this endorsement generally provided that we did not insure for loss to your jewelry, watches, furs, precious and semi precious stones when the loss is caused by birds, vermin, rodents or insects. We have revised the endorsement to remove "vermin" from this list. However, we have added language to the endorsement to generally provide that your policy does not insure for loss to your personal property caused by nesting or infestation, or discharge or release of waste products or secretions by any animals. HO 32 34, Unit-owners Coverage A Special Coverage North Carolina The previous version of this endorsement generally provided that we did not insure for loss to your dwelling or other structures caused by birds, vermin, rodents or insects. We have revised the endorsement to remove "vermin" from this list. However, we have added language to the endorsement to generally provide that your policy does not insure for loss to your dwelling or other structures caused by nesting or infestation, or discharge or release of waste products or secretions by any animals. HO P Copyright, North Carolina Rate Bureau, 2013 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 2

17 HO 32 35, Unit-owners Coverage C Special Coverage North Carolina The previous version of this endorsement generally provided that we did not insure for loss to your personal property caused by birds, vermin, rodents or insects. We have revised the endorsement to remove "vermin" from this list. However, we have added language to the endorsement to generally provide that your policy does not insure for loss to your personal property caused by nesting or infestation, or discharge or release of waste products or secretions by any animals. HO 32 37, Special Computer Coverage North Carolina The previous version of this endorsement generally provided that we did not insure for loss to your computer equipment caused by birds, vermin, rodents or insects. We have revised the endorsement to remove "vermin" from this list. However, we have added language to the endorsement to generally provide that your policy does not insure for loss to your computer equipment caused by nesting or infestation, or discharge or release of waste products or secretions by any animals. HO 32 38, Loss Assessment Coverage For Earthquake North Carolina For any one assessment, we have increased the minimum deductible from $250 to $500. HO 32 54, Earthquake North Carolina We have increased the minimum deductible from $250 to $500. HO 32 82, Personal Injury Coverage North Carolina We have revised the definition of personal injury in this endorsement to reference "oral or written publication, in any manner". We added the words "in any manner" to address various types of publication, such as publication over the Internet. Page 2 of 2 Copyright, North Carolina Rate Bureau, 2013 Includes copyrighted material of Insurance Services Office, Inc., with its permission. HO P

18 ADVISORY NOTICE TO POLICYHOLDERS NORTH CAROLINA (HOMEOWNERS 3 SPECIAL FORM) HOMEOWNERS HO P CAUTION: No coverage is provided by this summary; nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the Policy and this summary, THE PROVISIONS OF YOUR POLICY SHALL PREVAIL. This is a summary of the major changes in your Homeowners Policy. The major broadenings, reductions and other changes are highlighted below. We have followed the policy sequence of provisions in setting out this material. HOMEOWNERS POLICY I. DEFINITIONS Other Changes We have revised the definition of an insured to state that insureds under the Policy, in part, include: 1. Residents of your household under the age of 21; and 2. Students enrolled in school full-time, as defined by the school, who were residents of your household before moving out to attend school, provided the students are under the age of 21; who are in your care or the care of a resident of your household who is your relative. II. SECTION I PROPERTY COVERAGES Broadening Of Coverage We have increased the special limit for personal property away from the residence premises, and used primarily for business purposes, from $500 to $1,500. Reductions Of Coverage 1. We have limited coverage with respect to personal property located in a self-storage facility to 10% of the limit for Coverage C or $1,000, whichever is greater. 2. We have introduced a $250 special limit for antennas, tapes, wires, records, disks or other media that are in or upon a motor vehicle and are used with electronic equipment that reproduces, receives or transmits audio, visual or data signals. Other Changes We have revised Section I Additional Coverages, in part, to generally reinforce that collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose. Also, we have reinforced that this Additional Coverage applies to certain kinds of hidden decay and hidden insect or vermin damage to a building or any part of a building. HO P Copyright, North Carolina Rate Bureau, 2013 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 2

19 III. SECTION I PERILS INSURED AGAINST Broadening Of Coverage 1. Previously, your policy generally provided that we did not insure for loss to your dwelling or other structures caused by birds, vermin, rodents or insects. We have removed "vermin" from this list. 2. Previously, your policy provided coverage for theft that occurs off the residence premises with respect to property of an insured who is a student while at a residence the student occupies to attend school as long as the student has been there at any time during the 60 days immediately before the loss. We have increased the 60-day period to 90 days. Reduction Of Coverage We have added language to your policy to generally provide that it does not insure for loss to your dwelling or other structures caused by nesting or infestation or discharge or release of waste products or secretions by any animals. Other Changes 1. Your previous policy contained the phrase "we insure against risk of direct physical loss" to certain property. We have removed the words "risk of" from this phrase to reinforce the related policy language. 2. We have revised different sections of your policy to more explicitly express the scope of coverage with respect to collapse. In general, collapse is not covered except under the Section I Collapse Additional Coverage. In general, Section I Collapse Additional Coverage only applies to an abrupt collapse. IV. SECTION I EXCLUSIONS Other Changes We revised the Earth Movement Exclusion to reinforce that, in general, the exclusion applies regardless of the cause, that is, earth movement damage caused by an act of nature, and act of man or is otherwise caused. V. SECTION I CONDITIONS Broadening Of Coverage We have revised the newly relocated Deductible provision, in part, to state that when two or more deductibles under the Policy apply to the loss, only the highest deductible amount will apply. Other Changes We have revised the newly relocated Deductible provision, in part, to state that it applies "with respect to any one loss". VI. SECTION II EXCLUSIONS Broadening Of Coverage 1. We have revised the Motor Vehicle Liability Exclusion so that there may be coverage with respect to certain toy vehicles under specified limited circumstances. 2. We have revised the Controlled Substance Exclusion so that the exclusion does not apply to the legitimate use of prescription drugs by a person following "the lawful orders of a licensed health care professional", instead of "the orders of a licensed physician" as previously provided under the Policy. Page 2 of 2 Copyright, North Carolina Rate Bureau, 2013 Includes copyrighted material of Insurance Services Office, Inc., with its permission. HO P

20 SERFF Tracking #: AGIA State Tracking #: Company Tracking #: UNAIC-NC-HO3-FF 1213 State: North Carolina Filing Company: Universal North America Insurance Company TOI/Sub-TOI: 04.0 Homeowners/ Homeowners Sub-TOI Combinations Product Name: UNAIC NC HO Project Name/Number: / Supporting Document Schedules Satisfied - Item: Form Filing Questionnaire FC-048 Comments: Attachment(s): FormFilingQuestionnaire.pdf Item Status: Approved Status Date: 01/09/2014 Satisfied - Item: Form Revision Comments: Please see marked up and clean copies of the forms. Attachment(s): Item Status: Approved Status Date: 01/09/2014 Satisfied - Item: Filing Memorandum Comments: Attachment(s): NC Form Filing Memorandum.pdf Item Status: Approved Status Date: 01/09/2014 Satisfied - Item: Filing Authorization Comments: Attachment(s): UNAIC_AGIA Authority Letter_NC Form.pdf Item Status: Approved Status Date: 01/09/2014 PDF Pipeline for SERFF Tracking Number AGIA Generated 01/09/ :44 AM

21 NORTH CAROLINA DEPARTMENT OF INSURANCE F O R M (S) Q U E S T I O N N A I R E (1) NAME OF FILING ORGANIZATION Universal North America Insurance Company (2) FILER`S FILE # UNAIC-NC-HO3 FF 1213 (3) PROGRAM TITLE Homeowners CHOICE Program (4) LINE(S) OF INSURANCE Homeowners (5) HOW MANY NEW FORMS AND/OR REVISED FORMS ARE BEING FILED? *NEW 2 *REVISED 1 *Attach forms index, including form numbers, edition dates and titles. (6) LIST ALL OLD FORM(S) BEING WITHDRAWN AND DEPARTMENT FILE NUMBER Declarations UNAC (7) EXPLAIN THE PURPOSE(S) OF THIS FILING. (ATTACH SEPARATE SHEET) (8) LIST THE STATES WHERE THIS FILING HAS BEEN MADE N/A (9) HAS THIS FILING BEEN MADE IN YOUR DOMICILIARY STATE? YES NO IF FILED, WHAT ACTION DID YOUR DOMICILIARY STATE TAKE? (10) LIST THE STATES THAT HAVE APPROVED THIS FILING N/A (11) LIST THE STATES THAT HAVE DISAPPROVED THIS FILING AND REASON(S) FOR DISAPPROVAL (ATTACH SEPARATE SHEET). FC-048 (02/06)

22 (12) ATTACH COPIES OF ALL REQUIRED MODIFICATIONS REFERRED TO IN (10) ABOVE (13) IF THE FILING IS SIMILAR OR IDENTICAL TO A FILING MADE WITH THE N.C. DEPARTMENT OF INSURANCE BY A LICENSED BUREAU OR LICENSED RATING ORGANIZATION, COMPLETE THE FOLLOWING: (A) NAME OF AFFILIATED BUREAU OR RATING ORGANIZATION North Carolina Rating Bureau (B) NAME OF BUREAU OR RATING ORGANIZATION PROGRAM Homeowners (C) IDENTIFICATION NUMBER OF BUREAU OR RATING ORGANIZATION PROGRAM FEIN Number (D) ARE YOU A MEMBER ; SUBSCRIBER ; SERVICE PURCHASER (14) IF THE FILING IS SIMILAR OR IDENTICAL TO A FILING MADE WITH THE N.C. DEPARTMENT OF INSURANCE BY A LICENSED INSURANCE COMPANY IN NORTH CAROLINA, GIVE THE N.C. INSURANCE DEPARTMENT FILE NUMBER AND APPROVAL DATE FILE # NCRI APPROVAL DATE 08/29/13 ON A SEPARATE SHEET, DESCRIBE THE DIFFERENCE(S), IF ANY, BETWEEN YOUR FORM(S) AND THOSE OF THE PREVIOUSLY APPROVED PROGRAM (15) COMPUTER PRINTED DECLARATIONS PAGES SHOULD BE COMPLETED IN "JOHN DOE" FASHION AND ATTACHED. (16) PROPOSED EFFECTIVE DATE AND RULE OF IMPLEMENTATION April 1, 2014 (17) IF FILING AN EXCLUSION, DOES THIS EXCLUSION HAVE ANY PREMIUM IMPACT? NO YES. IS THIS COVERED IN A COMPANION FILING? NO YES PROVIDE COMPANY/NCDOI FILE NO. FOR COMPANION FILING (18) I CERTIFY THAT THE INFORMATION CONTAINED IN THIS QUESTIONNAIRE IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE. _ SIGNATURE OF OFFICER OF THE COMPANY OR HEAD OF THE FILINGS DEPARTMENT FC-048 (02/06)

23 Commissioner of Insurance Property and Casualty Division Post Office Box Raleigh, North Carolina Please accept this filing on behalf of Universal North America Insurance Company s Personal Homeowners CHOICE Program (HO-3) in the State of North Carolina, previously approved under SERFF tracking # UNAC This program is distributed through Arrowhead General Insurance Agency Inc., a Managing General Agency. As required by the NCRB, we are adopting the ISO 2011 policy program, effective April 1, 2014 for our policyholders. In addition, we are adopting two policyholder notices promulgated by ISO to accompany the form/endorsement changes. The purpose of the policyholder notices is to inform policyholders of significant coverage changes in the new policy forms and endorsements. Also included in this filing is a revision to our declarations page to address the requirement to inform policyholders when the policy we offer contains a coinsurance clause and when certain perils such as Windstorm or Hail are not included in the policy.

24 Universal North America Insurance Company 101 Arthur Anderson Parkway, Suite 220 Sarasota, Florida T: (941) F: (941) December 18, 2013 North Carolina Department of Insurance 1204 Mail Service Cente Raleigh, NC RE: Universal North America Insurance Company NAIC # UNAIC Homeowners Choice Form Filing To Whom It May Concern: Please accept this letter as confirmation of the authority granted by Universal North America Insurance Company NAIC # 10759, to Anna Alegre of Arrowhead General Insurance Agency, Inc., to prepare and submit form filing for the company s North Carolina Homeowners Choice program. In addition, Anna Alegre of Arrowhead General Insurance Agency, Inc. is authorized to communicate directly with the department. Please forward any questions or responses to this filing to Anna Alegre at , extension 6388 or via to aalegre@arrowheadgrp.com. Should your office have any questions or are in need of further information, please contact me at your earliest convenience. Sincerely, Katherine A. Moore, CPCU Vice President, Property Lines kmoore@uihna.com