Hurricane, Windstorm and Hail Coverage

Loss due to Hurricane, Windstorm and Hail is covered by State Farm Hazard Insurance policies.

Changes to this coverage are made by:

• Addition of a Hurricane, Windstorm and Hail Exclusion endorsement that includes specific language defining how and when coverage applies
• Addition of a separate Hurricane Deductible

Exclusion of Coverage

There is NO coverage for Wind, Hail, Tornado, Hurricane, and Tropical Storm under the State Farm Hazard Insurance policy if one of the below listed endorsements is part of the policy.

The insured may or may not have secured coverage through Citizens Property Insurance Corporation. If applicable to a policy, one of the following endorsements will appear in the Forms, Options, and Endorsements field of the Insurance Inquiry Policy Information Screen.

FE-6581	Windstorm or Hail Exclusion Endorsement – (Business Mercantile, Business Miscellaneous, Business Office, Apartment policies)
FE-6331	Windstorm or Hail Exclusion Endorsement – (Church, Contractors policies)
FE-5423	Wind, Hail, Tornado, Hurricane, and Tropical Storm Exclusion (Homeowners, Condo Unitowners, Manufactured Home policies)
FE-1252.1	Citizens Property Insurance Corporation Policy Perils Exclusion (Rental Condominium, Rental Dwelling policies)

Hurricane Deductibles

In the counties of:
Dade
Broward
Pinellas
Palm Beach
Hillsborough

The following Hurricane Coverage Endorsements provide Hurricane coverage subject to certain conditions. The Hurricane Deductible will be shown in the Deductible Field on the Insurance Inquiry Policy Information Screen.

FE-5710.5	Hurricane Coverage Endorsement (HO-W)
FE-5712.5	Hurricane Coverage Endorsement (Condominium Unitowners)
FE-5308.4	Hurricane Coverage Endorsement ($10,000 Detached Building Structures)
FE-5241.5	Hurricane Coverage Endorsement ($25,000 Detached Building Structures)
FE-5309.4	Hurricane Coverage Endorsement ($35,000 Detached Building Structures)
FE-5246.5	Hurricane Coverage Endorsement ($50,000 Detached Building Structures)

Remainder of the state of Florida:

Windstorm or Hail (including Hurricane) is covered but can be subject to a deductible.

FE-5703.3

Hurricane Deductible (Homeowner, Manufactured Home)

This Hurricane Deductible Endorsement is used to define how the Hurricane Deductible applies. The Hurricane Deductible amount will be shown in the Deductible field on the Insurance Inquiry Policy Information Screen.

Windstorm or Hail is covered but can be excluded in selected coastal areas if the insured has a policy with the Alabama Beach Pool.

FE-7326	Windstorm or Hail Exclusion (Homeowner policies)
FE-6331	Windstorm or Hail Exclusion Endorsement (Apartment, Business, Condominium Association, Church, Rental Dwelling, Rental Condominium Association)

Hurricane is covered (if no other exclusions apply, such as Wind and Hail or Flood exclusions) but can be subject to a deductible. The amount of the deductible is displayed in the deductible field on the policy.

FE-5301.1	Hurricane Deductible (Homeowners and Rental Dwelling policies)
FE-6561.2	Hurricane Deductible (Apartment, Condominium Association, Church policies)

Windstorm and Hail is covered but can be subject to a deductible that differs from the policy deductible applicable to all other covered losses.

FE-5269.1

Windstorm or Hail Deductible Endorsement (Farm/Ranch, Homeowner, and Rental Dwelling policies)

This endorsement is used to define when there is a Windstorm or Hail Deductible. The deductible amount (%) is shown in the Deductible field on the Insurance Inquiry Policy Information screen.

*new – effective 2/01//2009

Hurricane is covered but can be subject to a deductible.

FE-5763	Hurricane Deductible Endorsement (Homeowners)
FE-5705.1	Hurricane Deductible Endorsement (Rental Dwelling)

Hurricane is covered but can be subject to a deductible.

FE- 5701.1

Hurricane Deductible Endorsement

On select Homeowner policies in DE, MA, MD, ME, NH, RI. Also on select Rental Dwelling policies in NJ.

Hurricane is covered (if no other exclusions apply, such as Wind and Hail or Flood exclusions) but can be subject to a deductible.

FE-5703.1

Hurricane Deductible

This endorsement is used to define when there is a Hurricane Deductible. The deductible amount (%) is shown in the Deductible field on the Insurance Inquiry Policy Information screen.

Wind and Hail is a covered peril but can be excluded by the addition of:

FE-7326	Windstorm and Hail Exclusion (Homeowner, Farm Ranch)
FE-8305	Windstorm and Hail Exclusion Endorsement (Rental Dwelling)
FE-6331	Windstorm and Hail Exclusion (Apartment, Business, Condominium Association, Contractors, Church, Rental Condo Unitowner policies)

In 1999, State Farm removed all Hawaii Hurricane coverage from our policies. The following form was added to those policies that had Hawaii Hurricane coverage. It provides Hurricane coverage subject to conditions and a Hurricane Deductible that will be shown on the screen in the Deductible Field.

FE 5314.2

Residential Hurricane Coverage Endorsement

Hurricane coverage can also be excluded with the following endorsement:

FE-7765.2	Hurricane Exclusion Endorsement
FE-6540.1	Hurricane Exclusion Endorsement (Rental Condos)
FE-8201.1	Hurricane Exclusion Endorsement (Rental Dwellings)

Hurricane is not defined as a separate cause of loss in these states.

However, a Wind and Hail Deductible may apply.

It is shown only in the Deductible field as a split deductible, not by an endorsement (e.g., $500/$1000 $500 all peril deductible with a separate $1000 Wind Deductible)

The split Wind and Hail Deductible only applies to renewal and replacement policies and is not utilized a great deal.

Wind is covered but can be subject to a deductible.

FE-5259.1

Windstorm or Hail Deductible Endorsement

On select Homeowners, Rental Dwelling, and Farm Ranch policies.

Hurricane is covered but can be subject to a deductible.

FE-5301.1

Hurricane Deductible

This endorsement is used to define when there is a Hurricane Deductible. The deductible amount (%) is shown in the Deductible field on the Insurance Inquiry Policy Information screen.

Wind and Hail is a covered peril but can be excluded by the addition of:

FE-7326

Windstorm and Hail Exclusion

Wind and Hail is a covered peril but can be excluded by the addition of:

FE-7512	Windstorm or Hail Exclusion Endorsement (Homeowner policies)
FE-8305	Windstorm or Hail Exclusion Endorsement (Rental Dwelling policies)
FE-6331	Windstorm or Hail Exclusion Endorsement (Apartment, Business, Condominium Association, Contractors, Church, Rental Condo Unitowner policies)

Hurricane is covered (if no other exclusions apply, such as Wind and Hail or Flood exclusions) but can be subject to a deductible.

FE-5301.1	Hurricane Percentage Deductible (Homeowner and Rental Dwelling policies)
FE-6561.2	Hurricane Percentage Deductible (Apartment, Condominium Association and Church policies)

This endorsement is used to define when there is a Hurricane Deductible. The deductible amount (%) is shown in the Deductible field on the Insurance Inquiry Policy Information screen.

Hurricane is covered but can be subject to a deductible.

FE-5313

Hurricane Deductible Endorsement

This endorsement is used to define when there is a Hurricane Deductible. The deductible amount (%) is shown in the Deductible field on the Insurance Inquiry Policy Information screen.

Hurricane is covered but can be subject to a deductible.

FE-5395.1

Hurricane Percentage Deductible

This endorsement is used to define when there is a Hurricane Deductible. The deductible amount (%) is shown in the Deductible field on the Insurance Inquiry Policy Information screen.

Wind and Hail is a covered peril but can be excluded by the addition of:

FE-7756.3	Absolute Windstorm and Hail Exclusion (Homeowner)
FE-7739.2	Windstorm Exterior Paint and Waterproofing Exclusion Endorsement – This endorsement is a limited exclusion as defined in its title. It was discontinued in April 2005.
FE-8305	Windstorm and Hail Exclusion Endorsement (Rental Dwelling)

Hurricane is covered but can be subject to a deductible.

FE-5301.1

Hurricane Deductible

This endorsement is used to define when there is a Hurricane Deductible. The deductible amount (%) is shown in the Deductible field on the Insurance Inquiry Policy Information screen.

FE-5365

Hurricane Deductible Information Message Endorsement

This endorsement informs the policyholder there is a separate deductible for named storm or wind/hail losses which could result in high out-of-pocket expenses.

Wind and Hail is a covered peril but can be excluded by the addition of:

FE-7326	Windstorm and Hail Exclusion
FE-6331	Windstorm or Hail Exclusion (Apartment, Business, Condo Association, Contractors, Church, Rental Condo Unitowner policies)
FE-8305	Windstorm or Hail Exclusion (Rental Dwellings)

Hurricane is not defined as a separate cause of loss in this state; it is included in the wind and hail peril.

Wind and Hail is a covered peril but can be excluded by the addition of:

FE-5315	Windstorm or Hail Exclusion Agreement Endorsement (Homeowner)
FE-8443	Windstorm or Hail Exclusion Agreement Endorsement (Rental Dwelling)

A separate Hurricane or Wind & Hail Deductible may apply. It is shown only in the Deductible field, not by an endorsement in the Forms, Options, and Endorsement field of the Insurance Inquiry Policy Information screen.

FE-5301.1

Hurricane Deductible Endorsement

This endorsement can be added to Homeowner and Rental Dwelling policies. A 2% deductible is required in some coastal areas.