Washington General Rules Index

Transcription

1 Washington General Rules Index Page # Rule # Additional Coverage Endorsement (ACE) Additional Living Expense - Coverage E Alarm Credits, ire (See Protective Devices) Automatic Sprinkler Credits (See Protective Devices) Awnings, Signs and Outdoor Radio and Television Equipment (See Windstorm or Hail) Base Premium Computation Building Items - Condominium Unit-Owner Changes or Cancellations Condominium Unit - Owners, Building Items Construction Definitions Course of Construction (See Dwellings Under Construction)(COC) Adjusted Base Premium actors Coverage and Definitions Coverage B - Other Structures Blanket Coverage A. Specific Structure Coverage B. Wind or Hail Coverage Rented to Others C. Coverage C - Personal Property - In Buildings Subject to Commercial Class Rates or Specific Rates Coverage D - air Rental Value Coverage E - Additional Living Expense Coverage Eligibility Coverage A - Dwelling A. Coverage A - Dwelling on a Mobile or Trailer Home B. Coverage B - Other Structures C. Coverage C - Personal Property D. Coverage D - Loss of air Rental Value E. Coverage E - Additional Living Expense Deductibles - (Basic & Optional) Demolition Costs Coverage (See Ordinance or Law) Dwelling Property Rate Section Dwelling Under Construction (COC) Adjusted Base Premium actors Revised--April, 2005 Washington Dwelling Page 1 Includes copyrighted material of Washington Surveying & Rating Bureau and Insurance Services Office, Inc., with permission. Copyright, ISO Properties, Inc., 2001.

2 Washington General Rules Index (Continued) Page # Rule # Earthquake air Rental Value - Coverage D ire Alarm Credits (See Protective Devices) ire Department Service Charge ire Protection System Credits (See Protective Devices) ire Resistive (See Construction Definition) D. Rating Rule (See Superior Construction) Gated Community Incidental Occupancies, Permitted Coverage on Contents Offices, Schools or Studios Merchandise in Storage Small Service Occupancies Increased Cost of Construction (See Ordinance or Law) Inflation Guard Coverage (See Value-Up Program) Installment Payment Plan (See Separate Billing Manual Section in Your Unigard Personal Lines Manual) Interpolation Key Premium/Key actor Display (See Base Premium Computation) Liability Coverages (See Personal Liability and Theft Section) (See Premises Liability Section) Limited ungi, Wet or Dry Rot or Bacteria Coverage Dwelling ire Personal Liability Loss Assessment Property Coverage Manual Premium Revision Masonry Non-Combustible Construction (See Construction Definitions) D. Rating actors (See Superior Construction) Merchandise in Storage (See Permitted Incidental Occupancies) Minimum Limits of Liability Minimum Premium Miscellaneous Rates Mobile Homes Multiple Locations Revised--April, 2005 Washington Dwelling Page 2 Includes copyrighted material of Washington Surveying & Rating Bureau and Insurance Services Office, Inc., with permission. Copyright, ISO Properties, Inc

3 Washington General Rules Index (Continued) Page # Rule # Multiple Policies (Same Property written in two or more Dwelling Policies in one or more companies) Multiple Policy Credit B. New Dwelling Credit A. Non-Combustible Construction (See Construction Definitions) D. Rating actors - (See Superior Construction) Ordinance or Law Other Structures - Coverage B (Refer to "Coverage B" in this index) Outdoor Radio and Television Equipment, Awnings and Signs (See Windstorm or Hail) Perils Insured Against Permitted Incidental Occupancies Personal Liability and Theft Section Personal Property - Coverage C In Buildings Subject to Commercial Class Rates or Specific Rates Plants, Shrubs and Trees Policy orms A. Policy Period Premises Liability Section Premium Payment Plans (See the Billing Section of Your Unigard Personal Lines Manual) Premium Waiver Protection Classification Codes and Information Protective Devices Credits Rental Value - Coverage D Roof Surfacing Credit Credit for Clay Tile or Slate, Concrete Tile or Metal Roofs A. Actual Cash Value Loss Settlement Losses to Roofs B. Row House or Townhouse Seasonal Occupancy Semi-Wind Resistive (See Superior Construction) Shrubs, Trees and Plants Signs, Outdoor Radio and Television Equipment, and Awnings (See Windstorm or Hail) Single Building Definition Sinkhole Collapse Smoke Detector Credits (See Protective Devices) Special ire Protection Class Rating Plan Sprinkler Credits (See Protective Devices) Superior Construction (See Construction Definitions) D. Rating actors (See Superior Construction) Revised--April, 2005 Washington Dwelling Page 3 Includes copyrighted material of Washington Surveying & Rating Bureau and Insurance Services Office, Inc., with permission. Copyright, ISO Properties, Inc

4 Washington General Rules Index (Continued) Page # Rule # Territory Definitions Theft - (Personal Liability and Theft Section) Theft of Building Materials - Course of Construction C. Townhouse or Row House Trailer or Mobile Homes Transfer or Assignment Trees, Plants or Shrubs Vacant Dwellings (See V.&M.M.) Value-Up Program Vandalism & Malicious Mischief Waiver of Premium Water and Sewer Back-Up Whole Dollar Premium Rule Wind Resistive (See Superior Construction) Windstorm or Hail Revised--April, 2005 Washington Dwelling Page 4 Includes copyrighted material of Washington Surveying & Rating Bureau and Insurance Service Office, Inc. with permission. Copyright, ISO Properties, Inc

5 Dwelling Policy Program Rule 101. orms, Coverages, Minimum Limits Of Liability A. orms The Dwelling Policy Program makes available the following policy forms: 1. DP Basic orm 2. DP Broad orm 3. DP Special orm B. Coverages 1. orms DP and DP provide the following coverages. These coverages are written as separate items in the policy: Coverage A - Dwelling Coverage B - Other Structures Coverage C - Personal Property Coverage D - air Rental Value Coverage E - Additional Living Expense 2. orm DP provides Coverages A through D; Coverage E is available by endorsement. C. Minimum Limits of Liability The following coverages are subject to a minimum limit of liability: Coverages Minimum Limit orm DP (1) orms DP and DP (2) 1. Coverage A Primary Dwelling $75,000 King County $100,000 King Count $60,000 Remainder of State $ 80,000 Remainder of State Secondary Dwellings $40,000 Entire State $ 50,000 Entire State Mobile Homes $30,000 Entire State Not Available 2. Coverage C Personal Property $5,000 without Coverage A - All orms 3. See Rule 300 if the dwelling was built since Note: (1) The dwelling must be insured for 100% of its actual cash value. (2) The dwelling must be insured for 100% of its full replacement cost. Revised--April, 1996 Washington Dwelling Page 5

6 Rule 102. Perils Insured Against The following is a general description of the coverages provided by the individual Dwelling Policy orms. The policy should be consulted for exact contract conditions. DP DP DP Perils Insured Against BASIC BROAD SPECIAL ORM ORM ORM ire, Lightning, or Internal Explosion Yes Yes Yes Extended Coverage meaning Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, Volcanic Action Optional* Yes Yes Vandalism or Malicious Mischief Optional** Yes Yes Damage by Burglars, alling Objects, Weight of Ice, Snow or Sleet, Accidental Discharge of Water or Steam, Sudden Cracking of a Steam or Hot Water Heating System, reezing, Sudden Damage from Artificial Electric Currents No Yes Yes Additional Risks with Certain No No Yes Exceptions (Special Coverage) Coverage A and B Only * May only be written with the perils of ire, Lightning, or Internal Explosion. ** May only be written with Extended Coverage. Rule 103. Eligibility A Dwelling Policy may be issued to provide insurance under: A. Coverage A - on a dwelling building: 1. Used solely for residential purposes except that certain incidental occupancies or up to 5 roomers or boarders are permitted; 2. Containing not more than four apartments; and 3. Which may be in a townhouse or row house structure; or 4. In course of construction. New Page--July, 1994 Washington Dwelling Page 6

7 Rule 103. Eligibility (Cont'd) B. Coverage A - on a mobile home: 1. Using orm DP only; 2. Used solely for residential purposes except that certain incidental occupancies or up to 5 roomers or boarders are permitted; 3. Containing not more than one apartment; and 4. At the permanent location described in the policy. C. Coverage B: 1. At the same location as the dwelling eligible for insurance under Coverage A; 2. Not used for business purposes except a permitted incidental occupancy or when rented for use as a private garage; 3. At a separate location when used in connection with the insured location but not for business purposes. D. Coverage C in: 1. A dwelling, or mobile home eligible under Coverage A; or 2. A dwelling with rental apartments including furnishings, equipment and appliances in halls or utility rooms; or 3. Any apartment, cooperative or condominium unit used as private living quarters of the insured or rented to others furnished. E. Coverage D for the loss of the fair rental value of: 1. A building eligible for insurance under Coverages A or B; or 2. Private living quarters eligible under Coverage C.. Coverage E for the additional living expenses incurred to maintain the insured's household. Revised--August, 1997 Washington Dwelling Page 7

8 Rule 104. Protection Classification Codes And Information 1. Protection Information a. Definitions and Standards (1) Standard Public ire Hydrants: Public fire hydrants, to be recognized as standard, must be (a) connected to a public water system, (b) of approved frostproof design available for use in all seasons of the year, (c) equipped with standard 2½ inch hose outlets, and (d) supplied by pipe not less than 4 inches in diameter. Public fire cisterns and pumper supply points that meet requirements of the Washington Surveying and Rating Bureau may be recognized as equivalent to standard public fire hydrants. (2) Travel Distances: Distances from buildings to the nearest recognized fire station or standard fire hydrant shall be measured over roadways accessible to fire department apparatus. (3) Approved Tanker Operations: Approved tanker operations are recognized as a substitute for standard fire hydrants where hydrants are not available. In order to qualify for tanker credit, a fire department must demonstrate the ability to develop a fire flow of 250 gpm within 5 minutes of arriving at any site in the district within 5 road miles of a fire station. This flow must be maintained for 30 minutes without interruption, resulting in a total water requirement of 7,500 gallons. If tankers draft water during the test, it must be obtained from a source which is accessible year round. Tanker credit for the district will result in hydrant credit being applied only to dwelling properties within 5 road miles of a fire district grading Class 8 or better. To obtain tanker credit, the fire protection district must submit a written request to the Washington Surveying and Rating Bureau, including a plan outlining how the fire department proposes to meet the criteria. A map of the district showing the location and capacity of all responding apparatus, as well as the location of water supply points, should also be submitted. Any assistance from other districts or municipalities must be on an automatic aid basis (first alarm) including a signed written agreement and run cards documenting the response procedure. If, after evaluating the information, the Bureau is satisfied that the criteria can be met, credit will be given from the Bureau and the physical test waived. Otherwise, the district will be listed for an inspection at the earliest opportunity. A department will not be eligible for a retest for a period of six months following failure of any test. The Bureau reserves the right to retest tanker operations at any time. b. Classification of Public Protection Protection classification for dwellings are determined by reference to the rules and listings of numerical classifications for cities, towns and fire protection districts appearing in Public Protection Classification Manual - Washington. or communities with two classes listed (e.g., 6/9), disregard the second class and apply the following: (1) Standard Public Protection - the first protection class listed applies to properties within 5 road miles of a recognized fire station and with either of the following: (a) (b) A standard fire hydrant within 1,000 feet. An approved tanker operation in the district (in which the property is located) as indicated by the symbol > preceding the protection class (e.g., > 6/9). Revised--ebruary, 1999 Washington Dwelling Page 8

9 Rule 104. Protection Classification Codes And Information (Cont'd) (2) Inferior Public Protection - property not qualifying under (1) shall be classified by application of the following: irst Distance To Protection Class Recognized Class Listed ire Station Applicable 2 thru 5 not over 2 miles 7 2 thru 5 2 to 5 miles Special Class 8A 6 thru 8 not over 5 miles Special Class 8A 2 thru 8 over 5 miles 10 (3) Exceptions Community B - Certain fire protection districts, grading Class 2 through 8, have areas of inferior fire protection. These areas are designated as Community "B", Class 9. or dwelling properties between 5 and 10 miles to a recognized Community "A" fire station and not over 5 miles to a recognized Community "B" fire station housing an Initial Attack ire Apparatus, Special Protection Class 8A applies. These Community "B" fire stations housing Initial Attack ire Apparatus are symbolized on Bureau ire Protection District Maps. (4) Where a single Class 9 or 9A is listed: (a) (b) (c) Class 9 applies to properties not over 5 road miles from a recognized fire station. Class 9A applies to properties over 5 road miles from a recognized fire station, but within a fire department s legal response boundaries. Class 10 applies to all other properties. (5) Risks located on premises of industrial, institutional and similar properties that are specifically classed as to fire protection may be classified based upon the premises classification. (6) Class 10 applies to all areas where the classification is not listed. 2. Special ire Protection Class Rating Plan This rating plan is no longer available on new business. A dwelling located in Protection Class 8, 9, or 10 which meets the following requirements will be rated the same Protection Class as the town of the first responding fire department if requirements a.-e. listed below are met. This is subject to the restriction that the minimum Protection Class used for rating under this rule shall be Protection Class 7. Dwellings must be: a. located on a year round passable road and within 5 miles of a recognized fire department that will respond, and b. located within 1000 feet of an operating public fire hydrant or the responding fire department will transport water by an approved tanker operation to use in fighting the fire at the site, and c. clearly visible from at least four neighboring dwellings, and d. not located in a severe brush or forest area, and e. occupied by not more than two family units. Attach endorsement , Special ire Protection Rating Plan Endorsement Revised December, 2009 Washington Dwelling Page 9

10 Rule 105. Seasonal Dwelling Definition A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one year period. Rule 106. Construction Definitions A. rame - exterior wall of wood or other combustible construction, including wood ironclad, stucco on wood or plaster on combustible supports. Aluminum or plastic siding over frame. B. Masonry Veneer - exterior walls of combustible construction veneered with brick or stone. Rate masonry veneer as masonry. 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 Construction 1. Non-Combustible - exterior walls and floors and roof constructed of, and supported by metal, asbestos, gypsum, or other non-combustible materials. 2. Masonry Non-Combustible - exterior walls constructed of masonry materials (as described in C. above) and floors and roof of metal or other non-combustible materials. 3. ire Resistive - exterior walls and floors and roof constructed of masonry or other fire resistive materials. Note: Mixed (Masonry/rame) - 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 and code as masonry. Rule 107. Single Building Definition A. All buildings or sections of buildings which are accessible through unprotected openings are considered as a single building. B. Buildings which are separated by space are considered separate buildings. C. Buildings or sections of buildings which are separated by a 6 inch reinforced concrete or an 8 inch masonry party wall which pierces or rises to the underside of the roof and which pierces or extends to the innerside of the exterior wall are considered separate buildings. Accessibility between buildings with independent walls or through masonry party walls described above must be protected by at least a Class A ire Door installed in a masonry wall section. Revised--ebruary, 1999 Washington Dwelling Page 10

11 Rule 201. Policy Period The policy may be written for a period of one year and may be extended for successive policy periods by renewal declarations based upon the forms, premiums and endorsements then in effect for the company. or maintaining common anniversary dates, a policy may be written for a period less than one year on a pro rate basis. Rule 202. Changes Or Cancellations If insurance is increased, cancelled or reduced, the additional or return premium will be computed on a pro rata basis. Rule 203. Manual Premium Revision Manual premium revisions are made in accordance with the following procedures: A. The effective date of the revision as announced. B. The revision applies 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 will not affect in-force policy forms, endorsements or premiums, until the policy is renewed. Rule 204. Multiple Locations A policy may be issued to provide insurance at three described locations in the same state provided: A. The same form and deductible applies at each location; B. The policy declarations page is completed by showing: 1. The total policy premium for all locations in the premium payments section. 2. The deductible by entry of the deductible amount and adding "at each location". 3. Inserting the form number that applies. Rule 205. Multiple Policies Unigard does not divide risks with other companies as some of our coverages are unique. Unigard has complete reinsurance facilities to write large Dwelling Property policies so the use of the Multiple Company Insurance rule is, generally, not necessary. If you have a large Dwelling Property policy, contact Unigard well in advance of the effective date. If the account meets our underwriting criteria, we will write the entire account. There is no need to split the coverage with one of your other carriers. Revised--December, 2002 Washington Dwelling Page 11

12 Rule 206. Minimum Premium A. or prepaid policies the minimum annual premium shown below will be charged for each policy. B. The minimum premium will include all chargeable endorsements or coverages for ire or ire and Allied Lines if written at inception of the policy. C. The minimum annual premium does not include charges for Earthquake Coverage, except when Earthquake is the only peril covered under the policy. D. The minimum annual premium shall not include charges for Earthquake Coverage. E. Minimum Premium is $50. Rule 207. Transfer Or Assignment Subject to the consent of the company, all rules of this manual and any necessary adjustments of premium, a policy may be endorsed to effect: A. Transfer to another location within the same state; or B. Assignment from one insured to another in the event of transfer of title of the dwelling. Rule 208. Waiver Of Premium When a policy is endorsed after the inception date the amount of additional or return premium that may be waived is $3. Rule 209. Whole Dollar Premium Rule A. Each premium shown on the policy and endorsements are rounded to the nearest whole dollar. A premium of fifty cents ($.50) or more is rounded to the next higher whole dollar. B. In the event of cancellation by the company, the return premium will be carried to the next higher dollar. Rule 300. Base Rate Modification A. Dwelling Tier Program (Primary and Secondary Locations) Tier 1 Newer Dwelling Credit The Dwelling policy premium, excluding premium from any Earthquake, Theft, Condo Unit-Owners Building Items, Loss Assessment, Ordinance or Law Coverage, Personal Liability and Premises Liability endorsements, is reduced 10% for dwellings 20 years old or newer when the following conditions are met: 1. The policy provides building or building and contents coverage; and 2. the dwelling building is insured for: at least 100% of its actual cash value if it is written under orm DP 00 01; or 100% of its full replacement cost if it is written under orm DP or DP Tier 2 or dwellings constructed more than 20 years ago, use the premiums displayed. Revised January 2009 Washington Dwelling Page 12

13 Rule 300. Base Rate Modification (Cont d) B. Multiple Policy Credit If the Named Insured also has their primary homeowners or auto policy with Unigard, a 5% Multiple Policy credit will be applied to the ire Base Premiums and all additional premiums except premiums for Earthquake, Theft, Personal Liability and Premises Liability. All of Unigard s homeowners policies will qualify as a primary policy including our Bronze HO-3, HO-4 and HO-6, Silver and Gold policies. However, this credit will not apply if the only other Unigard policy is another dwelling fire policy or location. Rule 301. Base Premium Computation To compute the Base Premium, use the Key Premiums and the key factors that are displayed in the state rate pages. A. ire (All orms), E.C. (DP 00 01), Broad orm (DP 00 02), or Special orm (DP 00 03) Coverage A - Dwelling Coverage C - Personal Property 1. rom the Key Premium Table, select the Key Premium for the classifications or coverages that apply to the risk. 2. rom the Key actor Table, determine the Key actor for the desired limit of liability. If the desired limit of liability is not shown in the table, interpolate as illustrated in paragraph B of this rule. 3. Multiply the Key Premium by the Key actor and round to the nearest whole dollar to develop the Base Premium ($.50 or more rounded to the next higher whole dollar). 4. Apply the New Dwelling Credit, if applicable. B. Interpolation Example When the desired limit of liability is less than the highest limit shown, interpolate the Key actors using the nearest limit above and below the desired limit. Example: $25,500 desired limit; the nearest limits are $25,000 and $26,000. or $25,000 the Key actor is 1.082; for $26,000 the Key actor is igure the difference between the two Key actors and divide by 10. This provides a factor per $ =.0016 Multiply the factor per $100 times five, and add 1.082: the Key actor for $25,000:.0016 x = The result, 1.090, is the Key actor for this example. Refer to the Key Premium/Key actor tables shown in the Dwelling Property Rate Section. Revised--December, 2002 Washington Dwelling Page 13

14 Rule 302. Vandalism & Malicious Mischief - DP Rate per $1,000 Develop the Base Premium by multiplying the same limit of liability selection for Extended Coverage by the V&MM rate shown below: Non Seasonal or Vacant $.15 Seasonal & Not Vacant.74 Vacant In Course of Construction.15 Rule 303. Ordinance Or Law Coverage A. Applicability by orm 1. DP Coverage is not automatically included in this form but may be added by endorsement. See B. below for rating instructions. 2. DP and DP A limited amount of coverage is automatically included at each Described Location to pay for the increased costs necessary to comply with the enforcement of an ordinance or law. This amount is equal to 10% of the limit of liability that applies to: a. Coverage A or Unit-Owner Building Items if the insured is an owner of a Described Location; or b. Coverage B if the insured is an owner of a Described Location which is not insured for Coverage A or Unit-Owner Building Items; or This amount may be increased by endorsement. See B. below for rating instructions. B. New or Increased Coverage 1. The policy may be endorsed to add (DP 00 01) or increase (DP 00 02/03) basic Ordinance or Law Coverage to accommodate the increased costs known or estimated by the insured for material and labor to repair or replace the damaged property and to demolish the undamaged portion of damaged property and clear the site of resulting debris according to the ordinance or law. 2. or orm DP 00 01, use Endorsement DP 04 74, Ordinance or Law Coverage. or orms DP or DP 00 03, use Endorsement DP 04 71, Ordinance or Law - Increased Amount of Coverage. 3. Premium a. Described Location including Coverage A (1) DP (a) ire and Extended Coverage The premium is computed by multiplying the Base Premium by the appropriate factor shown below. Revised--April, 2005 Washington Dwelling Page 14

15 Rule 303. Ordinance Or Law Coverage (Cont'd) Percentage of Coverage A Total Amount actors 10%.03 25%.08 50%.15 75% %.30 (b) Vandalism & Malicious Mischief Multiply the rate per $1,000 used to determine the V.&M.M. Base Premium, by the dollar amount of coverage added above. (2) DP or DP ire, Broad or Special orms The premium is computed by multiplying the Base Premium by the appropriate factor shown below: Percentage of Coverage A Increase in Amount Total Amount actors 15% 25%.05 40% 50%.12 65% 75%.20 90% 100%.27 (3) Apply Multiple Policy credit, if applicable. No other credits or surcharges apply to Ordinance or Law Coverage. b. Described Location not including Coverage A, but including Coverage B - Specific Structures and/or Unit-Owner Building Items. See Rule 503. for rating instructions. Revised January, 2009 Washington Dwelling Page 15

16 Rule 304. Permitted Incidental Occupancies A. One of the incidental occupancies described in B. below is permitted in a premises eligible for coverage under a Dwelling Policy, if: 1. The policy provides insurance under Coverage A, B or C; 2. The incidental occupancy is operated by the insured who is the owner or a resident of the premises; and 3. There are no more than two persons at work in the incidental occupancy. B. Permitted Incidental Occupancies Attach Endorsement DP Permitted Incidental Occupancies. 1. Offices, Schools or Studios meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instructional purposes. 2. Small Service Occupancies meaning occupancies primarily for service rather than sales. or example: barber or beauty shop, tailor or dressmaker, telephone exchanges or shoe repair shops using handwork only. 3. Storage of merchandise if the value of the merchandise does not exceed $10,000. C. The amounts of insurance for the contents of the incidental occupancy and merchandise in storage shall be stated as separate contents items in the policy declarations. D. Premium Determine the Coverage C Base Premium under Rule 301, using the single Key actor for the total amount of insurance for: 1. Household personal property, 2. Contents of the incidental occupancy, and 3. Merchandise in storage. Rule 401. Superior Construction A. Refer to the Construction Definition rule in this manual for details. B. or E.C. rating purposes a dwelling classified as: 1. ire Resistive is considered Wind Resistive. 2. Masonry Non-Combustible is considered Semi-Wind Resistive. C. Premium Multiply the Masonry Base Premium by the appropriate factor noted below: ire E.C., Broad & Special orms ire Resistive & Masonry Non-Comb Non-Combustible Revised--April, 2005 Washington Dwelling Page 16

17 Rule 402. Coverage C - Personal Property In Buildings Subject To Commercial Class Rates Or Specific Rates A. ire Use the appropriate factor shown below if the building is classified in Div. 5 of the Commercial Lines Manual, Rule 85, paragraph: B.1. or B.2. B.3. or is rated specifically 1. ire Resistive, Masonry Non-Comb. & Non-Comb. Multiply the Masonry Cov. C Base Premium by All Other Construction Multiply the Masonry Cov. C or rame Base Premium by B. E.C., V&MM, Broad or Special orm Multiply the Cov. C Base Premium by Rule 403. Dwelling Under Construction (COC) A. Two methods are provided for insuring this exposure. 1. Named Insured Is The Intended Occupant. The policy may be cancelled upon completion of the dwelling. Note: A builder (contractor) may not be designated as an additional insured. Attach Endorsement DP Dwelling Under Construction. 2. Named Insured Is Not The Intended Occupant. The policy shall specify building is in course of construction and permission is granted to complete. or other coverage bases, refer to the Commercial Lines Manual. B. Premium 1. Adjust the Coverage A Owner Occupied Base Premium allowing a credit of 35%. 2. There is no adjustment to the Coverage A Non-Owner Occupied Base Premium. Revised--April, 2005 Washington Dwelling Page 17

18 Rule 403. Dwelling Under Construction (COC) (Cont d) C. Transportation and Theft of Building Materials This coverage is available only for dwellings under course of construction (COC) and when the named insured is the intended occupant. This endorsement provides coverage to the insured for: Loss of building materials, plumbing, heating, lighting fixtures and other similar items, while in transit to the job site, and Theft of materials that have not been attached to and made a part of the dwelling at the dwelling location. A separate $100 deductible applies to a covered loss. Rates: $50 for the first $4,000. $7.50 for each additional $1,000 up to a maximum amount of $10,000. The premium is fully earned and is nonrefundable. Attach endorsement 1433, Transportation and Theft of Building Materials Rule 404. Mobile Homes - DP Only Multiply the rame One amily Coverage A or C Base Premium by Rule 405. Townhouse Or Row House A. Determine the total number of individual family units within a ire Division. or example, a 2 family dwelling attached to a 1 family dwelling is considered 3 individual family units within a ire Division if both dwellings are not separated by a fire wall. our attached 2 family dwellings are considered 8 individual family units within a ire Division if they are not separated by fire walls. A policy may be issued for: 1. Coverage A when the dwelling contains 1, 2, 3 or 4 individual family units within a ire Division. 2. Coverage C in a dwelling with 1 or more individual family units within a ire Division. B. Premium: No. of Individual amily Units Use Cov. A* or C Base Premium for 1, 2, 3 or 4 1, 2, 3 or 4 families 5 or more 5 or more families * Refer to the Commercial Lines Manual for building coverage when it contains 5 or more individual family units within a ire Division. Revised--April, 2005 Washington Dwelling Page 18

19 Rule 406. Deductibles All policies are subject to a deductible that applies to loss from all perils, except Earthquake. A separate deductible provision applies to Earthquake Coverage. Refer to the Earthquake Coverage rule for the applicable deductible provision. A. Base Deductible $250 Deductible. B. Optional Deductibles Multiply the Base Premium for the Base Deductible by the appropriate factors: E.C., V&MM, Broad Size Ded. ire & Special orms $ $ 1, $ 2, Rule 407. Value-Up Program (Automatic Adjustment In Insurance) The amount of insurance is adjusted at renewal each year according to replacement cost changes reported to us by Marshall & Swift/ Boeckh. There is no additional charge for this enhancement to the policy. The insured will be billed for the new Coverage A amount. Attach Value Up, orm DP-1 Attach Value Up, orms DP-2 and DP-3 Rule 408. Protective Devices Premises Approved and properly maintained installations of fire alarms and automatic sprinklers in the dwelling may be recognized for a reduced premium - developed by applying the selected credits to the ire Base Premium. Credit Mobile Type of Installation Dwelling Home Central Station Reporting ire Alarm 10% 8% ire Department Reporting ire Alarm 7% 5% Local ire Alarm 5% 3% Automatic Sprinklers in all areas including attic, bathrooms, closets and attached structures 20% 10% Automatic Sprinklers in all areas except attic, bathroom closet and attached structure areas that are protected by a fire detector 10% 5% Revised--April, 2005 Washington Dwelling Page 19

20 Rule 408. Protective Devices (Cont d) Note: Note: Local ire Alarm credits are not eligible if credits for Central Station or ire Department Reporting ire Alarm applies. The above credits apply to the base fire premiums only. It does not apply to non-fire or other additional premiums. None of the Protective Device Credits are available for dwellings during the course of construction (COC). The credit may be applied when the dwelling is completed and occupied. Gated Community Attach Endorsement DP Premises Alarm or ire Protection System. or a residential community protected by perimeter fencing or walls with a gated entry requiring an entry card, a personal identification number or any other form of permission to gain entry a credit of 3% will be applied to the ire Base Premiums and all additional premiums, including Theft premiums, except premiums for Earthquake, Unit-Owner Builders Items, Loss Assessment, Ordinance or Law Coverage, Personal Liability and Premises Liability. Note: The Gated Community Credit is available for dwellings during the course of construction (COC) provided the community is protected by perimeter fencing or walls and the gated entry is operative. Attach Endorsement Gated Community Credit. Rule 409. Roof Surfacing Credit Unigard offers two unique credits applicable to roof surfacing. Apply the appropriate credit to the ire Base Premium and all additional premiums except premiums for Earthquake, Theft, Unit-Owners Building Items, Loss Assessment, Ordinance or Law Coverage, or Personal Liability and Premises Liability. A. A 5% credit will be allowed if a dwelling s entire roof surfacing is clay tile or slate, concrete tile or metal. Please use the Roof type adjustment under the Replacement Cost section -- Additional eatures of the application or Remarks section of the Change Request form to indicate if the dwelling has such a roof surface. Attach Endorsement Roof Surfacing Credit B. A 1% credit will be allowed if we determine that any roof surfacing loss should be settled on an Actual Cash Value basis instead of a Replacement Cost basis. Note: This Roof Surfacing Credit is not available for dwellings during the course of construction (COC). The credit may be applied when the dwelling is completed and occupied. Attach Endorsement Actual Cash Value Loss Settlement to Roof Surfacing DP0002 and DP0003 Revised--April, 2005 Washington Dwelling Page 20

21 Rule 500. Miscellaneous Rates The following rates per $1,000 apply to all occupancies, territories, construction and protection classifications, unless otherwise specified: A. ire: Protection Class 1-8A... $4.28 9, 9A & B. Extended Coverage (DP 00 01) C. Broad orm (DP 00 02) D. Special orm (DP or Endorsement DP 46 65) Rule 501. Coverage B - Other Structures Coding Note: When the policy does not include Coverage A or C, show the entire limit; otherwise Amount of Insurance Code should reflect the increased exposure. A. Coverage for other structures described as covered under Coverage B is automatically provided on a blanket basis for up to 10% of the Coverage A limit. 1. Under DP 00 01, use of this option reduces the Coverage A limit for the same loss. 2. Under DP or DP 00 03, this limit is additional insurance. The blanket limit may not be increased. B. Coverage may be purchased for specific structures. See C. below. C. Premium: 1. Structure Rented to Others or Dwelling Purposes Rate each structure separately as a Coverage A Dwelling, Non-Owner Occupied under Rule 301, Base Premium Computation in the Dwelling Property Rate Section. 2. Structure Not Rented to Others or Dwelling Purposes Enter the limit of liability and description of each structure in the Coverages Declarations of the policy at inception or by endorsement after policy inception. a. Policy includes Cov. A or structure does not have permitted incidental occupancy or is at same described location as the dwelling: (1) ire E.C., Broad and Special orms Refer to Rule Miscellaneous Rates. (2) V&MM (DP 00 01) Refer to Rule V&MM. b. Policy does not include Cov. A or structure has permitted incidental occupancy or is not at same described location as the dwelling: (1) ire, E.C., Broad and Special orms Rate each structure separately as a Coverage A item under Rule 301 in the Dwelling Property Rate Section using the 1 amily Key Premium (2) V&MM (DP 00 01) Refer to Rule V&MM. Revised December, 2009 Washington Dwelling Page 21

22 Rule 502. Coverage D - air Rental Value, Coverage E - Additional Living Expense Coding Note: When the policy does not include Coverage A or C, show the entire limit desired. A. Coverage is provided in the forms on a limited basis as follows: 1. DP a. Coverage D - Up to 10% of the Cov. A limit is available. Use of this option reduces the Cov. A limit for the same loss. b. Coverage E - not automatically included in form. It may be added as noted in B. below. 2. DP or DP Coverage D and E combined - Up to 10% of the Cov. A limit is available for Cov. D and Cov. E combined as additional insurance. B. Coverage may be increased or added as follows: All orms Coverage D The amount recoverable each month under this coverage shall be based on the last rental income less any expenses that do not continue during untenability. Enter amount of increase in policy declarations at inception or by endorsement after policy inception. or DP 00 01, however, the amount recoverable each month is limited to a fraction of the total rental value amount insured under the policy. This fraction is equal to: 1 # of mos. Dwelling rented per year Enter the fraction in the policy or endorsement declarations. Example for DP 00 01: $6,000 = Rental Value Coverage in orm (10% of Coverage A limit of $60,000) 2,000 = Add'l Insurance (Shown under Coverage D. in policy declarations.) $8,000 = Total Rental Value Amount Insured Scenario A -- Dwelling is rented for entire year...fraction = 1/12. $8,000 X 1/12 = Up to $ available each month. Scenario B -- Dwelling is rented for 8 months...fraction = 1/8. $8,000 X 1/8 = Up to $1,000 available each month. Coverage E Enter initial limit (DP 00 01) or amount of increase (DP or DP 00 03) in policy declarations at inception or in the endorsement after policy inception. Always show "up to 25% per month" in the policy or endorsement declarations. Attach Endorsement DP Additional Living Expense for DP Revised--April, 2005 Washington Dwelling Page 22

23 Rule 502. Coverage D - air Rental Value, Coverage E - Additional Living Expense (Cont'd) C. Premium 1. Policy includes Cov. A or Cov. C. a. ire, E.C., Broad and Special orms Refer to Rule Miscellaneous Rates. b. V&MM (DP 00 01) Refer to Rule V&MM. 2. Policy does not include Cov. A or Cov. C. a. ire, E.C., Broad and Special orms (1) 1-4 amily Dwelling Multiply the Cov. A Key Premium by the Cov. A Key actor, for: (a) The Cov. D limit, times.53; or (b) The Cov. E limit, times 1.00 (2) 5 or more amily Dwelling Calculate the premium as instructed above using the 4 amily Key Premium. b. V&MM (DP 00 01) Refer to the Dwelling Property Rate Section, Rule 302 V&MM. Rule 503. Ordinance Or Law Coverage Coverage B - Specific Structures Unit-Owners Building Items A. or DP 00 01, the policy may be endorsed to add an amount of Ordinance or Law Coverage equal to the amounts noted below. or orm DP or DP 00 03, the basic 10% of coverage may be initially increased to 50% of the total Coverage B or Unit-Owner Building Items limit. B. These amounts may be further increased in 25% increments. C. Premium 1. The premium for this additional coverage is determined based on the dollar amount of coverage added for DP 00 01, or the dollar amount of increase, represented by the increased percentage selected above the basic limit for DP or DP Refer to Rule Miscellaneous Rates for the rate for each additional $1,000 of insurance. Revised--April, 2005 Washington Dwelling Page 23

24 Rule 504. Reserved for uture Use Rule 505. Condo Unit-Owners Building Items A. Building items are not covered in the forms. Unit-Owners Building Items is available as an optional coverage endorsed onto form DP0003 for an additional premium. B. Premium 1. Unit-Owners Building Items The following rates per $1,000 apply to all occupancies, territories, construction and protection classifications, unless otherwise specified: a. ire Protection Class 1-8 $2.12 9, 9A & 10 $3.84 b. Special orm (DP0003) $3.12 The following credits apply: Multiple Policy Credit, Deductible Credit applies to rate for ire and Special orm, and Protective Device credits apply to ire rate only. The following credits do not apply to this coverage: Gated Community Credit, Roof Surfacing Credit, Newer Dwelling Credit. Note: The total premium for Unit-Owner Building Items is the sum of the rates determined for items 1.a. and 1.b. Other Structures are covered under this endorsement. The limit of liability for the Other Structures must be included in the total limit of liability for Unit-Owners Building items. or example, if building items limit for the condominium is $6,000 and the limit for the other structures is $5,000, the total limit for Unit-Owners Building Items will be $11,000. This coverage is not available when the dwelling is under construction (COC). 2. If DP0471, Ordinance or Law Coverage, is endorsed onto the policy, calculate the premium as instructed above and add the additional rate per $1,000 of $1.01. Attach orm DP1766UN Unit-Owners Coverage Building Items to DP0003. Revised December, 2009 Washington Dwelling Page 24

25 Rule 506. Loss Assessment Property Coverage Unit-Owners Building Items Dwelling Building Owner - All orms A. Coverage for property loss assessment, for which the insured may be liable, is not included in the forms. Coverage is available for an additional premium for all insured perils, except earthquake. Note: Loss Assessment Property Coverage is not available for earthquake. Attach Endorsement DP Loss Assessment Property Coverage. B. Premium: 1. ire, E.C., Broad and Special orms If the policy includes Cov. A, B, C, D or E, refer to Rule Miscellaneous Rates. 2. V&MM (DP 00 01) C. Deductible: Refer to Rule V&MM. A separate $250 deductible applies to Loss Assessment Coverage. No other deductible option is available for this coverage. Revised January, 2009 Washington Dwelling Page 25

26 Rule 507. ire Department Service Charge The limit of $500 provided under the policy may not be increased. Rule 508. Trees, Shrubs And Other Plants Coding Note: When the policy does not include Coverage A or C, show the entire limit; otherwise Amount of Insurance Code should reflect the increased exposure. A. DP Coverage is not provided in this form. However, for an additional premium, coverage is available for all insured perils (subject to a $500 per item maximum). 2. Coverage may be written without Coverage A, B, C, D or E. B. DP or DP Attach Endorsement DP Trees, Shrubs and Other Plans. 1. Up to 5% of the Cov. A limit is available in the form (subject to a $500 per item maximum) for specified perils as additional insurance. 2. Windstorm or Hail C. Premium Coverage for Windstorm or Hail is available up to 5% of Cov. A limit (subject to a $500 per item maximum) for an additional premium. 1. ire, E.C., Broad and Special orms. Attach Endorsement DP Windstorm or Hail. The following rate per $1,000 apply to all occupancies, territories, construction and protection classifications, unless otherwise specified: ire (DP 00 01) Protection Class 1-8A... $4.28 9, 9A & V&MM (DP 00 01) Extended Coverage Windstorm or Hail (DP 00 01) (DP & DP 00 03) Including Excluding Wind or Hail Wind or Hail $61.50 $.82 $60.70 Refer to Rule V&MM. Revised December, 2009 Washington Dwelling Page 26

27 Rule 509. Earthquake Coverage Please refer to the Earthquake Section of this Personal Lines Manual. Rule 510. Theft Coverage Refer to Personal Liability and Theft Supplement. Rule 511. Sinkhole Collapse Coverage Unigard does not provide Sinkhole Collapse Coverage. Rule 512. Windstorm Or Hail Coverage - Awnings, Signs & Outdoor Radio And Television Equipment Coding Note: When the policy does not include Coverage A or C, show the entire limit; otherwise Amount of Insurance Code should reflect the increased exposure. The peril of Windstorm or Hail does not cover: A. Awning, Signs and Outdoor Radio and Television Equipment in DP or DP 00 02; B. Outdoor Radio and Television Equipment in DP 00 03; whether or not attached to a Dwelling Building or Other Structure. It may be covered for an additional premium shown below for a rate per $1,000. Awnings Outdoor Radio & Signs TV Equipment $60.70 $60.70 $60.70 Attach Endorsement DP Windstorm or Hail, Radio and Television Antennas, Awnings and Signs. Rule 513. Water Back Up And Sump Overflow A. The policy may be endorsed to provide coverage for loss resulting from water which backs up through sewers or drains or which overflows from a sump. The limit of liability available under this option is $5,000. B. A deductible of $250 applies. No other deductible option is available. C. The charge for each location is $105. Attach Endorsement Water Back Up and Sump Overflow. Revised--April, 2005 Washington Dwelling Page 27

28 Rule Reserved or uture Use Rule 524. Limited ungi, Wet or Dry Rot, or Bacteria Coverage Limited ungi, Wet or Dry Rot, or Bacteria Coverage automatically provides a Special Limit of Liability as follows: A. $10,000 to pay for loss to covered real or personal property, owned by an insured, that is damaged by fungi, or wet or dry rot, or bacteria on the residence premises as defined in the coverage endorsements. This coverage applies only for the policy period in which the loss or costs occur. B. or Property Coverage, the $10,000 is the most coverage that will be provided during the policy period regardless of the number of locations insured for Limited ungi, or Wet or Dry Rot, or Bacteria Coverage or the number of claims made during the policy period. This limit may not be increased. Read the endorsement for complete details on coverages, limitations, definitions and additional policy conditions applicable to this coverage. Attach Limited ungi, Wet or Dry Rot, or Bacteria Coverage Endorsement DP0422UN Revised--April, 2005 Washington Dwelling Page 28

29 Rule 525. Additional Coverage Endorsement (ACE) - orm DP Only This coverage is available for dwellings: insured for 100% of replacement cost, and located in Protection Class 1 through 8A. The endorsement provides coverage to the dwelling owner for: Personal property at the insured location up to $1,000. This is in addition to coverage shown on the Declaration. Reward coverage up to $1,000 to any eligible person providing information leading to the arrest and conviction of anyone who sets fire to or vandalizes covered property. Enhanced Replacement Cost-Coverage A Building. This provides additional cost of repair or replacement of the dwelling location insured, up to 150% of the Coverage A limit shown on the Declaration. When this coverage is written, please complete the replacement cost calculation using RCT Express TM, a residential replacement cost estimator from Marshall & Swift/Boeckh (MSB). Please refer to for more information. Coverage is available on a per location basis. The additional premium is $11 for each insured location. Note: The ACE coverage is not available for Unit-Owners Building Items Coverage. Attach Endorsement Additional Coverage Endorsement. Revised--January, 2009 Washington Dwelling Page 29