Certification Programs Benefit You , Your client and the industry

Over the course of my career I have received and maintained several Industry Certifications and Licenses .

When you get and renew Industry Certifications, you will stay current on new legislation, and any sort of new methods or concepts that are very beneficial for you and your career. It shows that you have taken the initiative to maintain your training and keep up-to-date in the field. This can make you more employable, and help you move up in your career. It can also help you work more efficiently and with more confidence in your daily tasks. You’ll not only stand out from others in your field, you’ll also be able to then build on that certification by getting even more advanced certifications in the future.

Employers always have a desire to maintain a very polished and professional image in our industry. It helps companies get more clients,  and positions them to be more credible and respected. Having Appraisers, Umpires, Experts, and Adjusters with certifications reflects very well on the company or client that hired you– it says “We hire the best.” 

When it comes right down to the final person or entity affected by your work – the client or policyholder – your knowledge of our claims industry can directly impact them. If you are more knowledgeable, and have the certification training to back that fact up, you produce something that is effective, reliable and credible for your client on both sides of the storm.

Brad Hays

APN Network

Brad Hays
APN Executive Director

The APN is a Network of Certified Insurance Appraisers, Certified Insurance Umpires and Industry Professionals that Support the Policyholders, Carriers and the Appraisal Panel.

The Appraisers are from both sides of the policy. The Umpires are Neutral to either side. The Industry Professionals support the Appraisal Panel through Trainings, Expert Reporting and Technical Bulletins.

The APN Members “Network” together to Raise the Bar of Ethics, Knowledge and Professionalism in the Industry, through White Papers, Podcasts, Education, Legislative Updates, and Networking, The APN Members check their egos at the door. All of us are striving for the same end. “Open-Mindedness, Impartiality, Fairness and Getting it Right”!

The Appraisers and Umpires can turn to and rely on the APN Industry Professional Members, for accurate and unbiased information. With this information the Appraisal Panel can confidently arrive at impartial, competent and accurate awards. The Industry Professionals never influence or try to sway the Appraisal Panel. They only provide factual information so the Panel can make an informed decision.

The APN Industry Professional Members are Attorneys, Adjusters both Indepedent and Public Adjusters, Contractors, Industry Associations, Insurance Agents, Insurance Companies, Public Officials, Building Material Manufacturers and more. These Professionals are dedicated to improving the Insurance Claims Industry and delivering exceptional work product and services.

The APN has a Special Membership for the Policyholder. When they join APN for free, they will be able to learn ways to prepare for catastrophic events, how to mitigate additional damages after the event and how to rebuild their properties and lives.

Without the Policyholder, this Industry doesn’t exist.”

Expert Witness

I’m Tyler with the Appraisal Panel Network!

Expert witness testimony is often critical in cases that involve complex scientific, property damage, medical, or legal issues. Expert witnesses can provide property owners, attorneys and the court with valuable insights and expertise to explain difficult concepts.

They can also provide an unbiased opinion on a particular subject matter that could be beneficial to the case. An expert witness may be called upon to testify about anything from medical diagnoses, accounting details, engineering design, or industry standards to complex legal matters. In some cases, an expert witness is the only person who can provide the court with valuable information on a particular topic.

The testimony of an expert witness can help the court decide whether the facts presented in a case are accurate and reliable. Depending on the nature of the case, an expert witness may be cross examined and questioned about their testimony to ensure accuracy. Expert witnesses play an important role in the judicial system and must remain unbiased throughout the proceedings. By focusing on providing accurate, reliable information, expert witnesses help inform court decisions and support justice. In addition to providing factual evidence, expert witnesses can often provide insight into a case’s broader implications. An expert witness should remain Unbiased, Impartial and Fair.

Author Brad Hays

Effective Leadership


Effective leadership is essential for any organization to achieve its goals and objectives.

A successful leader is someone who can inspire and motivate their team to perform at their best, while also providing clear direction and guidance. They are able to communicate effectively, listen actively, and make informed decisions that are in the best interests of their team and the organization as a whole.

They lead by example, demonstrating integrity, honesty, and respect for others.

A great leader understands that every member of the team has unique strengths and weaknesses, and they work to leverage those strengths while also supporting and developing areas of weakness.

They are able to adapt to changing circumstances and are always looking for ways to improve processes and increase efficiency. Ultimately, effective leadership is about creating a positive and supportive work environment where team members feel valued, empowered, and motivated to succeed.

Here are some helpful guidelines for leaders to assess how their leadership habits and styles can help or hurt the “Team”.

Author Brad Hays

Viewpoint: Licensing Mandate for Appraisers Will Increase Costs

In a recent motion to intervene in a petition filed with the Florida Department of Financial Services, Citizens Property Insurance Corp. supports a state regulation requiring appraisers to be licensed adjusters. If enacted, this would have detrimental consequences for a process intended to resolve quantum disputes in first party property and auto physical damage claims.

Click here to read article.

Welcome

Welcome to The Appraisal Panel Network! My name is Zoey!

Here you will find posts and articles on a variety of topics, ranging from the latest industry news and trends to tips and advice for all the stakeholders. We’re dedicated to providing you with high-quality content and resources that can help you with the Appraisal Process. If there is something specific you would like to read about, reach out and let us know! We’re always here to help.

The content, posts and information will be a mixture of commentary, links to outside articles, and interviews created in a text format and some will be video interviews.

As often as we can, we will have APN Associates read the blogs and other content for you, so you can listen and stay up to date while driving or doing other things that may prohibit you from reading.

In the APN Library you will find downloadable helpful tools, and on-line and in class courses on a variety of topics.

The industry that supports Insurance Appraisers and Umpires is very large. APN breaks down the process, and unveils all the supporting actors in this Industry.

Our Membership List has a robust search engine so you can easily search for members, by location, discipline or trade.

We are confident the Appraisal Panel Network will help bolster your career.

From everyone here at APN Thank you for stopping by and please visit often.

Have a wonderful day!

ISO HOMEOWNERS FORMS LIST

This list provides the homeowner forms by name
and number, and the states in which they apply.

Form Number TitleApplicable States
HO 00 02 05 11HOMEOWNERS 2 – BROAD FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 02 10 00HOMEOWNERS 2 – BROAD FORMPR
HO 00 02 04 91HOMEOWNERS 2 BROAD FORMVA
HO 00 03 05 11 HO 00 03 03 22HOMEOWNERS 3 – SPECIAL FORM HOMEOWNERS 3 – SPECIAL FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY  
HO 00 03 10 00HOMEOWNERS 3 – SPECIAL FORMPR
HO 00 03 04 91HOMEOWNERS 3 SPECIAL FORMVA
HO 00 04 05 11HOMEOWNERS 4 – CONTENTS BROAD FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 04 10 00HOMEOWNERS 4 – CONTENTS BROAD FORMPR
HO 00 04 04 91HOMEOWNERS 4 CONTENTS BROAD FORMVA
HO 00 05 05 11HOMEOWNERS 5 – COMPREHENSIVE FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 05 10 00HOMEOWNERS 5 – COMPREHENSIVE FORMPR
HO 00 06 05 11HOMEOWNERS 6 – UNIT-OWNERS FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 06 10 00HOMEOWNERS 6 – UNIT-OWNERS FORMPR
HO 00 06 04 91HOMEOWNERS 6 UNIT-OWNERS FORMVA
HO 00 08 05 11HOMEOWNERS 8 – MODIFIED COVERAGE FORMAK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, WI
HO 00 14 03 22HOMEOWNERS 14 – CONTENTS COMPREHENSIVE FORMAR, AZ, CO, DE, GU, IA, ID, IL, KS, KY, ME, MI, MN, MO, MS, ND, NE, NH, NV, OH, SD, TN, UT, WI, WV, WY
HO 00 22 05 11TRANSITION ENDORSEMENT FOR HO 00 02, HOMEOWNERS 2 – BROAD FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 23 05 11TRANSITION ENDORSEMENT FOR HO 00 03, HOMEOWNERS 3 – SPECIAL FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 24 05 11TRANSITION ENDORSEMENT FOR HO 00 04, HOMEOWNERS 4 – CONTENTS BROAD FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 25 05 11TRANSITION ENDORSEMENT FOR HO 00 05, HOMEOWNERS 5 – COMPREHENSIVE FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 26 05 11TRANSITION ENDORSEMENT FOR HO 00 06, HOMEOWNERS 6 – UNIT-OWNERS FORMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 28 05 11TRANSITION ENDORSEMENT FOR HO 00 08, HOMEOWNERS 8 – MODIFIED COVERAGE FORMAK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, WI
HO 03 12 05 11WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLEAK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 03 18 05 11HURRICANE DEDUCTIBLEAL, DE, GA, MA, NH
HO 03 18 04 10HURRICANE DEDUCTIBLEVA
HO 04 05 12 02 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORMS HO 00 03 AND HO 00 05 OR
HO 04 10 10 00ADDITIONAL INTERESTS – RESIDENCE PREMISESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 10 04 91ADDITIONAL INTERESTS – RESIDENCE PREMISESVA
HO 04 11 05 11ADDITIONAL LIMITS OF LIABILITY FOR COVERAGES A, B, C AND DAK, AL, AZ, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WY
HO 04 11 10 00ADDITIONAL LIMITS OF LIABILITY FOR COVERAGES A, B, C AND DPR
HO 04 12 05 11INCREASED LIMITS ON BUSINESS PROPERTYAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 12 10 00INCREASED LIMITS ON BUSINESS PROPERTYPR
HO 04 13 10 00SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURYAK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 13 09 98SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURYVA
HO 04 14 02 17SPECIAL COMPUTER COVERAGEAL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WA, WI, WV, WY
HO 04 14 05 11SPECIAL COMPUTER COVERAGEHI, MT
HO 04 14 10 00SPECIAL COMPUTER COVERAGEPR
HO 04 14 04 91SPECIAL COMPUTER COVERAGEVA
HO 04 15 10 00SECTION II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMSAK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 15 09 98SECTION II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMSVA
HO 04 16 10 00PREMISES ALARM OR FIRE PROTECTION SYSTEMAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 16 04 91PREMISES ALARM OR FIRE PROTECTION SYSTEMVA
HO 04 18 10 00DEFERRED PREMIUM PAYMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 18 04 91DEFERRED PREMIUM PAYMENTVA
HO 04 20 05 11SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A – DWELLINGAK, AL, AZ, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WY
HO 04 20 10 00SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A – DWELLINGPR
HO 04 26 05 11LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGEAL, AZ, CA, CO, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 26 04 02LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH ALL FORMS EXCEPT HO 00 03 AND HO 00 05PR
HO 04 27 05 11LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGEAL, AZ, CA, CO, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 27 04 02LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORMS HO 00 03 AND HO 00 05PR
HO 04 28 05 11LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGEAL, AZ, CA, CO, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 04 28 04 02LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 04 WITH HO 05 24 AND FORM HO 00 06 WITH HO 17 31 OR HO 17 32PR
HO 04 30 02 17THEFT COVERAGE INCREASEAK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, NC, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI
HO 04 30 05 11THEFT COVERAGE INCREASEHI, MT
HO 04 30 10 00THEFT COVERAGE INCREASEAK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI
HO 04 32 05 02LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 03PR
HO 04 33 05 02LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 03 WITH HO 00 15 AND FORM HO 00 06 WITH HO 17 31 OR HO 17 32PR
HO 04 35 05 11SUPPLEMENTAL LOSS ASSESSMENT COVERAGEAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 35 10 00LOSS ASSESSMENT COVERAGEPR
HO 04 35 04 91LOSS ASSESSMENT COVERAGEVA
HO 04 36 05 11LOSS ASSESSMENT COVERAGE FOR EARTHQUAKEAK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 36 10 00LOSS ASSESSMENT COVERAGE FOR EARTHQUAKEPR
HO 04 36 04 91LOSS ASSESSMENT COVERAGE FOR EARTHQUAKEVA
HO 04 40 10 00STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 40 04 91STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISESVA
HO 04 41 10 00ADDITIONAL INSURED – RESIDENCE PREMISESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 41 04 91ADDITIONAL INSURED – RESIDENCE PREMISESVA
HO 04 42 10 00PERMITTED INCIDENTAL OCCUPANCIES – RESIDENCE PREMISESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 43 05 11REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES ON THE RESIDENCE PREMISESAK, AL, AR, AZ, CO, CT, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 43 10 00REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES ON THE RESIDENCE PREMISESPR
HO 04 46 10 00INFLATION GUARDAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 46 04 91INFLATION GUARDVA
HO 04 48 10 00OTHER STRUCTURES ON THE RESIDENCE PREMISES – INCREASED LIMITSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 48 04 91OTHER STRUCTURES – INCREASED LIMITSVA
HO 04 49 10 00BUILDING ADDITIONS AND ALTERATIONS – OTHER RESIDENCEAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 49 04 91BUILDING ADDITIONS AND ALTERATIONS – OTHER RESIDENCEVA
HO 04 50 05 11INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY AT OTHER RESIDENCESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 50 10 00PERSONAL PROPERTY AT OTHER RESIDENCES – INCREASED LIMITPR
HO 04 50 04 91INCREASED LIMIT ON PERSONAL PROPERTY IN OTHER RESIDENCESVA
HO 04 51 10 00BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMITAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 51 04 91BUILDING ADDITIONS AND ALTERATIONS INCREASED LIMIT – FORM HO 00 04VA
HO 04 52 05 11LIVESTOCK COLLISION COVERAGEAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 52 10 00LIVESTOCK COLLISION COVERAGEPR
HO 04 53 10 00CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMITAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 53 04 91CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMITVA
HO 04 54 05 11EARTHQUAKEAK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 54 10 00EARTHQUAKEAK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 55 05 11IDENTITY FRAUD EXPENSE COVERAGEAK, AL, AR, AZ, CO, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY
HO 04 55 03 03IDENTITY FRAUD EXPENSE COVERAGEPR
HO 04 56 05 11SPECIAL LOSS SETTLEMENTAK, AL, AR, AZ, CO, CT, DC, DE, GU, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI
HO 04 56 10 00SPECIAL LOSS SETTLEMENTPR
HO 04 58 02 17OTHER MEMBERS OF YOUR HOUSEHOLDAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 58 05 11OTHER MEMBERS OF YOUR HOUSEHOLDHI, MT
HO 04 58 10 00OTHER MEMBERS OF YOUR HOUSEHOLDPR
HO 04 59 05 11ASSISTED LIVING CARE COVERAGEAK, AL, AR, AZ, CA, CT, DC, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 59 10 00ASSISTED LIVING CARE COVERAGEPR
HO 04 60 05 11SCHEDULED PERSONAL PROPERTY ENDORSEMENT (WITH AGREED VALUE LOSS SETTLEMENT)AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 60 10 00SCHEDULED PERSONAL PROPERTY ENDORSEMENT (WITH AGREED VALUE LOSS SETTLEMENT)PR
HO 04 61 05 11SCHEDULED PERSONAL PROPERTY ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 61 10 00SCHEDULED PERSONAL PROPERTY ENDORSEMENTPR
HO 04 61 04 91SCHEDULED PERSONAL PROPERTY ENDORSEMENTVA
HO 04 62 05 11SCHEDULED PERSONAL PROPERTY ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 62 10 00SCHEDULED PERSONAL PROPERTY ENDORSEMENT (COPY OF PAGE 1 OF HO 04 61)MA, PR
HO 04 62 04 91SCHEDULED PERSONAL PROPERTY ENDORSEMENT – COPY OF PAGE 1 OF HO 04 61VA
HO 04 65 05 11COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITYAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 65 10 00COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITYPR
HO 04 66 05 11COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITYAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 66 10 00  COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY – TO BE USED WITH FORM HO 00 05; FORM HO 00 04 WITH ENDORSEMENT HO 05 24 AND FORM HO 00 06 WITH ENDORSEMENT HO 17 31PR
HO 04 69 01 14LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE – TEXASTX
HO 04 77 10 00 HO 04 77 03 22ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGE ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGEAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY  
HO 04 77 04 91ORDINANCE OR LAW COVERAGEVA
HO 04 78 05 11MULTIPLE COMPANY INSURANCEAK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 78 10 00MULTIPLE COMPANY INSURANCEPR
HO 04 78 04 91MULTIPLE COMPANY INSURANCEVA
HO 04 81 05 11ACTUAL CASH VALUE LOSS SETTLEMENTAL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WY
HO 04 81 10 00ACTUAL CASH VALUE LOSS SETTLEMENTPR
HO 04 85 10 00FIRE DEPARTMENT CLAUSE (SUBSCRIPTION CONTRACT SERVICES)AK, AL, AZ, GU, MT, OR, TX
HO 04 90 05 11PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENTAK, AL, AR, AZ, CO, CT, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WY
HO 04 90 10 00PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENTPR
HO 04 91 02 17COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 91 05 11COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISESHI, MT
HO 04 91 10 00COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISESPR
HO 04 91 04 91COVERAGE B – OFF PREMISES FORMS HO 00 01, HO 00 02 AND HO 00 03VA
HO 04 92 02 17SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 92 05 11SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISESHI, MT
HO 04 92 10 00SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISESPR
HO 04 92 04 91SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISESVA
HO 04 93 04 16ACTUAL CASH VALUE LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGAZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, WI, WY
HO 04 93 05 11ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGAK, AL, CA, GA, GU, HI, NC, VI, VT
HO 04 93 10 00ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGPR
HO 04 94 10 00WINDSTORM OR HAIL EXCLUSIONAL, GA, GU, LA, MS, VI
HO 04 95 01 14LIMITED WATER BACK-UP AND  SUMP DISCHARGE OR OVERFLOW COVERAGEAL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 04 95 05 11LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGEHI
HO 04 95 01 09WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOWPR
HO 04 95 10 00WATER BACK UP AND SUMP DISCHARGE OR OVERFLOWAL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 04 96 10 00NO SECTION II – LIABILITY COVERAGES FOR HOME DAY CARE BUSINESS LIMITED SECTION I – PROPERTY COVERAGES FOR HOME DAY CARE BUSINESSPR
HO 04 97 05 11HOME DAY CARE COVERAGE ENDORSEMENTAK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO 04 97 10 00HOME DAY CARE COVERAGE ENDORSEMENTPR
HO 04 98 05 11REFRIGERATED PROPERTY COVERAGEAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 98 10 00REFRIGERATED PROPERTY COVERAGEPR
HO 04 98 04 91REFRIGERATED PROPERTY COVERAGEVA
HO 04 99 10 00SINKHOLE COLLAPSEAK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 99 04 91SINKHOLE COLLAPSEVA
MH 04 01 05 11MOBILEHOME ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
MH 04 01 04 91MOBILEHOME ENDORSEMENTVA
MH 04 02 05 11ACTUAL CASH VALUE MOBILEHOMEAK, AL, AR, AZ, CA, CO, CT, DE, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SD, TN, UT, VI, VT, WI, WV, WY
MH 04 02 04 91ACTUAL CASH VALUE MOBILEHOMEVA
MH 04 03 05 11TRANSPORTATION/PERMISSION TO MOVEAK, AL, AR, AZ, CA, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
MH 04 03 04 91TRANSPORTATION/PERMISSION TO MOVEVA
MH 04 04 10 00MOBILEHOME LIENHOLDER’S SINGLE INTERESTAK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY
MH 04 04 04 91MOBILEHOME LIENHOLDER’S SINGLE INTERESTVA
MH 04 06 10 00PROPERTY REMOVED INCREASED LIMITAK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
MH 04 06 04 91PROPERTY REMOVED INCREASED LIMITVA
MH 04 08 10 00ORDINANCE OR LAW COVERAGEAK, AL, AR, AZ, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY
MH 04 25 04 16ACTUAL CASH VALUE LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO MOBILEHOME ROOF SURFACINGAZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, WI, WY
MH 04 26 10 15RESIDENCE PREMISES DEFINITION ENDORSEMENT – MOBILEHOMEAL, AR, AZ, CO, CT, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
MH 04 27 10 15BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – MOBILEHOMEAL, AR, AZ, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 05 24 05 11SPECIAL PERSONAL PROPERTY COVERAGEAL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 05 24 10 00SPECIAL PERSONAL PROPERTY COVERAGE – FORM HO 00 04 ONLYPR
HO 05 27 05 11ADDITIONAL INSURED – STUDENT LIVING AWAY FROM THE RESIDENCE PREMISESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 05 27 10 00ADDITIONAL INSURED – STUDENT LIVING AWAY FROM THE RESIDENCE PREMISESPR
HO 05 28 05 11OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGEAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 05 28 10 00OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGEPR
HO 05 30 05 11FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTAL, AR, CO, DC, DE, GU, IL, IN, KS, KY, MA, MD, ME, MI, MT, ND, NE, NH, NV, OH, SD, TN, TX, UT, VI, VT, WI, WY
HO 05 30 10 00FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTPR
HO 05 31 05 11MODIFIED FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTAZ, CT, HI, IA, ID, MN, MO, MS, NY, OK, OR, PA, RI, SC
HO 05 31 10 00MODIFIED FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTAZ, CA, FL, GA, HI, IA, ID, MN, MO, MS, NY, OK, OR, PA, RI, SC
HO 05 41 02 17EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO OTHERSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 05 41 10 00EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO OTHERSHI, MT, PR
HO 05 43 10 00RESIDENCE HELD IN TRUSTPR
HO 05 46 10 00LANDLORD’S FURNISHINGSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 05 62 04 01ORDINANCE OR LAW COVERAGEME
HO 05 71 11 99RATING INFORMATION – PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES CT
HO 05 80 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESAL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT, VI, WV, WY
HO 05 80 10 00PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES – ALL FORMS EXCEPT FORMS HO 00 04 AND HO 00 06AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, UT, VI, WV, WY
HO 05 80 05 97PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES – ALL FORMS EXCEPT FORMS HO 00 04 AND HO 00 06AL, AR, AZ, CA, CO, DE, FL, GA, IA, ID, IN, KY, MS, MY, NE, NM, NV, OH, OK, SC, SD, TN, UT, VI, WI, WV, WY
HO 05 81 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESAL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT, VI, WV, WY
HO 05 82 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESAL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT, VI, WV, WY
HO 05 84 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESIL, KS, MI, MN, MO, ND, OR, PA
HO 05 85 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESIL, KS, MI, MN, MO, ND, OR, PA
HO 05 86 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESIL, KS, MI, MN, MO, ND, OR, PA
HO 06 07 05 11LIMITED COVERAGE FOR THEFT OF PERSONAL PROPERTY LOCATED IN A DWELLING UNDER CONSTRUCTIONAL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO 06 12 02 17TRUST ENDORSEMENTAL, CT, LA, MA, MN, MO, ND, NE, NY, OH, TX, VT
HO 06 14 05 11INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY LOCATED IN A SELF-STORAGE FACILITYAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 06 15 02 17TRUST ENDORSEMENTAK, AR, AZ, CA, CO, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, MD, ME, MI, MS, NH, NJ, NM, NV, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 06 15 05 11TRUST ENDORSEMENTHI, MT
HO 06 31 01 14GREEN UPGRADES COVERAGEAK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WY
HO 06 33 01 14MECHANICAL BREAKDOWN COVERAGEAK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 43 04 16COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAILAR, AZ, CO, DC, DE, IA, ID, IL, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WV
HO 06 44 04 16ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAILAR, AZ, CO, DC, DE, IA, ID, IL, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WV
HO 06 46 04 16LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGAZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WY
HO 06 48 10 15RESIDENCE PREMISES DEFINITION ENDORSEMENTAL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 06 49 10 15BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENTAL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 06 51 02 17DAMAGE TO PROPERTY OF OTHERS – INCREASED LIMITSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 52 02 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 53 02 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 54 02 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 55 02 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 56 02 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 58 02 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI
HO 06 62 02 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 63 02 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 64 02 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 65 02 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 66 02 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 68 02 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI
HO 07 01 05 11HOME BUSINESS INSURANCE COVERAGEAK, AL, AR, AZ, CA, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, VI, WI, WV, WY
HO 07 50 05 11ADDITIONAL INSURED – MANAGERS OR LESSORS OF PREMISES LEASED TO AN INSUREDAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 51 10 00ADDITIONAL INSURED – VENDORSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 52 05 11LOSS PAYABLE PROVISIONSAK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 53 10 00EXCLUSION – PERSONAL AND ADVERTISING INJURYAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 54 10 00LIQUOR LIABILITY EXCLUSION AND EXCEPTION FOR SCHEDULED ACTIVITIESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 55 05 11SPECIAL COVERAGE – SPOILAGE OF PERISHABLE STOCKAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 07 56 10 00VALUABLE PAPERS AND RECORDS COVERAGE INCREASED LIMITSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 57 05 11SPECIAL COVERAGE FOR VALUABLE PAPERS AND RECORDSAK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 07 58 10 00SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURYAK, AL, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 07 59 10 00SECTIONS I AND II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMSAK, AL, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 12 45 10 00CHANGE ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, LA, MA, MD, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY
HO 12 45 04 91CHANGE ENDORSEMENTVA
HO 12 76 10 00HOMEOWNERS RATING INFORMATIONAK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 12 76 04 91HOMEOWNERS RATING INFORMATIONVA
HO 16 09 01 09WATER EXCLUSION ENDORSEMENTPR
HO 16 10 01 09WATER EXCLUSION ENDORSEMENTPR
HO 17 31 03 22UNIT-OWNERS COVERAGE C SPECIAL COVERAGEAR, AZ, CO, DC, DE, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WV, WY
HO 17 31 05 11UNIT-OWNERS COVERAGE C SPECIAL COVERAGEAL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 17 31 10 00UNIT-OWNERS COVERAGE C SPECIAL COVERAGEPR
HO 17 32 02 17UNIT-OWNERS COVERAGE A SPECIAL COVERAGEAL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 17 32 05 11UNIT-OWNERS COVERAGE A SPECIAL COVERAGEHI, MT
HO 17 32 10 00UNIT-OWNERS COVERAGE A SPECIAL COVERAGEPR
HO 17 33 02 17UNIT-OWNERS RENTAL TO OTHERSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 17 33 05 11UNIT-OWNERS RENTAL TO OTHERSHI, MT
HO 17 33 10 00UNIT-OWNERS RENTAL TO OTHERSPR
HO 17 34 10 00UNIT-OWNERS MODIFIED OTHER INSURANCE AND SERVICE AGREEMENT CONDITIONPR
HO 17 47 10 15BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERSAL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 17 48 10 15RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERSAL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 24 10 05 11PERSONAL INJURY COVERAGE (AGGREGATE LIMIT OF LIABILITY)AL, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IN, KS, KY, MA, MD, ME, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 24 13 05 11INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE LIABILITY COVERAGE ENDORSEMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 24 13 10 00INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLENJ, PR
HO 24 13 04 91INCIDENTAL MOTORIZED LAND CONVEYANCESVA
HO 24 37 12 12ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – CALIFORNIACA
HO 24 38 12 13ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – COLORADOCO
HO 24 39 01 14ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – OREGONOR
HO 24 43 10 00PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCEAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 24 43 04 91PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCEVA
HO 24 64 12 94SNOWMOBILE – IOWAIA
HO 24 64 10 00OWNED SNOWMOBILEAK, AL, AR, AZ, CA, DC, DE, FL, IA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NM, NV, NY, OK, PA, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 24 64 04 91SNOWMOBILEVA
HO 24 70 10 00ADDITIONAL RESIDENCE RENTED TO OTHERS 1,2,3 OR 4 FAMILIESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 24 70 04 91ADDITIONAL RESIDENCE RENTED TO OTHERS 1, 2, 3 OR 4 FAMILIESVA
HO 24 71 10 00BUSINESS PURSUITSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 24 71 04 91BUSINESS PURSUITSVA
HO 24 72 10 00INCIDENTAL FARMING PERSONAL LIABILITYAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 24 72 04 91INCIDENTAL FARMING PERSONAL LIABILITYVA
HO 24 73 02 17FARMERS PERSONAL LIABILITYAK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, KS, KY, LA, MA, MD, ME, MI, MN, MS, NE, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 24 73 05 11FARMERS PERSONAL LIABILITYHI, MT
HO 24 73 10 00FARMERS PERSONAL LIABILITYPR
HO 24 73 04 91FARMERS PERSONAL LIABILITYVA
HO 24 74 04 91THREE OR FOUR FAMILY DWELLING PREMISES LIABILITY – FORM HO 00 04VA
HO 24 75 10 00WATERCRAFTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, VI, VT, WA, WI, WV, WY
HO 24 75 04 91WATERCRAFTVA
HO 24 77 05 11CANINE LIABILITY EXCLUSION ENDORSEMENTAK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WI, WV, WY
HO 24 82 05 11PERSONAL INJURY COVERAGEAL, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IN, KS, KY, MA, MD, ME, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 24 82 10 00PERSONAL INJURYAK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 24 82 04 02PERSONAL INJURYPR
HO 24 82 04 91PERSONAL INJURYVA
HO 24 90 08 01WORKERS COMPENSATION RESIDENCE EMPLOYEES – CALIFORNIACA
HO 24 96 10 00EXCLUSION OF FARM EMPLOYEES ILLEGALLY EMPLOYEDAL, AR, AZ, CO, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO 24 96 04 91EXCLUSION OF FARM EMPLOYEES ILLEGALLY EMPLOYEDVA
HO 34 02 02 17AIRCRAFT LIABILITY DEFINITION REVISED TO REMOVE EXCEPTION FOR MODEL OR HOBBY AIRCRAFTAK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO 34 03 02 17PERSONAL INJURY FOR AIRCRAFT LIABILITY EXCLUDEDAL, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IN, KS, KY, MA, MD, ME, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO DS 01 05 11HOMEOWNERS POLICY DECLARATIONSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
MH DS 01 05 11MOBILEHOME POLICY DECLARATIONSAK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO C 001 05 11CERTIFICATE OF HOMEOWNERS INSURANCE – TRUSTSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO N 003 05 11CANINE LIABILITY EXCLUSION ENDORSEMENT ACKNOWLEDGMENTAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WI, WV, WY
HO N 009 10 15RESIDENCE PREMISES QUESTIONNAIREAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 004 05 11LIMITED HOME DAY CARE COVERAGE ADVISORY NOTICE TO POLICYHOLDERSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO P 005 05 11RATING INFORMATION FOR PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY NOTICEAL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO P 011 05 11ADVISORY NOTICE TO POLICYHOLDERS (ENDORSEMENTS)AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 012 05 11ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 2 – BROAD FORM)AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 013 05 11ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 3 – SPECIAL FORM)AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 014 05 11ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 4 – TENANTS FORM)AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 015 05 11ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 5 – COMPREHENSIVE FORM)AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 016 05 11ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 6 – UNIT-OWNERS FORM)AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 018 05 11ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 8 – MODIFIED COVERAGE FORM)AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, WI, WV
HO P 023 10 15ADVISORY NOTICE TO POLICYHOLDERS (DEFINITION OF RESIDENCE PREMISES)AL, AR, AZ, CO, DC, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO P 063 10 15ADVISORY NOTICE TO POLICYHOLDERS REGARDING HOME-SHARING SERVICESAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 066 03 17ADVISORY NOTICE TO POLICYHOLDERS (HOME-SHARING HOST ACTIVITIES)AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
HO P 081 11 17LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING ADVISORY NOTICE TO POLICYHOLDERSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
HO P 082 11 17COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
HO P 083 11 17ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERSAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
HO R 016 05 11YOUR HOMEOWNERS 2 – BROAD FORM QUICK REFERENCEAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
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Concurrent Causation and Efficient Proximate Cause

Summary: Under the concurrent causation doctrine, losses caused jointly by an excluded peril, such as flooding or earth movement, and some other peril not excluded by the policy, such as negligence on the part of a third party, are covered. Under earlier cases, coverage was found where the nonexcluded peril played any role in the loss; under the efficient proximate cause doctrine, the nonexcluded peril must have been the predominant factor in the loss. Not all states have adopted the concurrent causation doctrine, but its development prompted Insurance Services Office (ISO) and insurers filing independent policies to alter property forms in an attempt to avoid recovery in concurrent causation situations. Issues regarding the effectiveness of the policy revisions and questions of ambiguity still cause coverage disputes and litigation. The efficient proximate cause doctrine has proved less problematic, but disputes often arise as to what the actual proximate cause was. 

Topics covered:

Operation of the concurrent causation doctrine

An important issue

Amended policy provisions

Some ensuing losses covered

Concurrent causation and the ordinance or law exclusion

Which applies, concurrent causation or efficient proximate cause?

Exclusionary language upheld

Concurrent causation and liability

Operation of the Concurrent Causation Doctrine

 Concurrent causation is a legal doctrine developed primarily in California case law that finds coverage for a loss caused by two (or more) events, despite common property policy exclusions such as earth movement or flooding. An example of concurrent causation is when earth movement causes damage to an insured structure (a cause of loss that is specifically excluded under the property causes of loss form), but the insured claims that the cause of loss was actually a third party’s negligence in bulldozing a slope above the dwelling, arguably a nonexcluded peril under an open perils policy.

 Several cases illustrate the operation of the concurrent causation doctrine. One of the best known is Safeco Insurance Co. v. Guyton, 692 F.2d 551 (C.A. Cal. 1982). Damage caused by flood waters was held to be covered by an all risks homeowners policy, despite its flood exclusion, because the flooding was caused by a third party’s negligent maintenance of flood control structures. This negligence was considered to be an insured peril. Similarly, in Premier Ins. Co. v. Welch, 189 Cal. Rptr. 657 (Cal. App. 1983), the earth movement exclusion of an all risks homeowners policy did not operate to exclude landslide damage to the insured’s house because faulty installation of a drain by a third party was held to be a covered, concurrent cause of loss. (As discussed later, since the time of these two cases the homeowners language no longer promises to “insure against all risks of physical loss to the property described in Coverages A and B except”.” [ISO HO-3, 7-77 ed.]. The current insuring agreement is “We insure against risk of direct loss to property described in Coverages A and B only if that loss is a physical loss to property. We do not insure, however, for loss”.” ISO HO 00 03 04 91]. An argument frequently used for coverage under the earlier forms was that by promising to insure against all risks the policyholder was lulled into thinking that all and everything was covered, policy exclusions notwithstanding.)

 The Premier case was disapproved in 1986 by Garvey v. State. Farm Fire and Cas. Co., 201 Cal. App. 3d 1174 (1986). Regarding its decision in Premier, the court stated that its analysis should have been “conditioned on the covered risk being independent of the excluded risk. In point of fact, the damaged subdrain was dependent upon the existence of the rainfall and resulting subsurface water in order for the loss to occur. This is clear because the stipulated facts established that the slide would not have occurred even in spite of the rainfall if the drain had not been damaged.” The case eventually reached the California Supreme Court, whose decision is discussed in the next section.

 The key point here is that at least two, independent and concurrent causes of loss interacted with one another and a loss occurred. The concurrent causation courts would look at this and say the cause of loss not excluded caused damage to the insured’s property, in one way or another, and so the property coverage form must pay for the loss.

An Important Issue

 An important issue posed by the concurrent causation doctrine is whether any contribution by a nonexcluded peril would cause a loss to be covered, or whether the nonexcluded cause of loss must be the primary factor leading to the loss.

 In 1989, the California Supreme Court settled this question (for California, at least) in Garvey v. State Farm Fire & Casualty Co., 770 P.2d 704. In Garvey, the court held that the California appellate courts had been misinterpreting the cases that first used the doctrine of concurrent causation. Returning to traditional property insurance law, the court said that even in the case of an all risks policy, if a loss can be attributed to two causes, one of which is an excluded peril, courts are to find coverage only if the nonexcluded peril is the efficient proximate cause of the loss, rather than finding coverage whenever a nonexcluded peril is concurrently involved in the loss. (The efficient proximate cause of a loss need not be the one directly prior to the loss. It is the cause that, without which, the loss would probably not have occurred.)

 In Garvey, the homeowners sought coverage when their house addition began to pull away from the main dwelling. The question was whether a covered cause of loss—negligent construction—or whether the excluded cause of loss—earth movement—was the efficient proximate cause. The court sent the case back to the trial court to resolve the question of which of the causes of loss was the efficient proximate cause. However, as 7 Couch on Insurance (Third Edition, § 101:58) notes, “Even the California court which rejected concurrent cause theory in first-party cases explicitly left open the possibility of applying concurrent cause if and when an instance of truly ‘concurrent’ (simultaneous and independent) causes arose in a first-party context, indicating that the court’s decision was largely based on its view that the two causes were not, in fact, independent, and that independent causes are unlikely to occur in the first-party context.”

 The events leading to the claim took place in 1977 and 1978, so the policies involved did not include the post-1983 lead-in language to the exclusions section that eliminated coverage for concurrent causation-type losses.

 However, in Howell v. State Farm Fire and Casualty Co., 267 Cal. Rptr. 708 (Cal. App. 1990), a California court of appeals adhered to the Garvey decision—even in cases involving the post-1983 exclusionary language—and applied the efficient proximate cause doctrine. The property owner brought action under an all risk policy when a landslide severely damaged her home. She presented expert testimony that a fire (a covered cause of loss) had denuded the slope above her home, and thus when heavy rains occurred, the saturated ground gave way (an excluded cause of loss). The court remanded the case to the jury for further determination as to the efficient proximate cause.

 A more recent case purportedly following the concurrent causation doctrine is Davidson Hotel Co. v. St. Paul Fire and Marine Ins. Co., 136 F.Supp.2d 901 (W.D. Tenn. 2001). This loss involved water leaking from a rusted water heater that dripped into a duct in an electrical room, which in turn caused a sprinkler malfunction, which in turn caused extensive water damage. The insurer cited several exclusions: rust or corrosion, electrical disturbance, and water. The court, treating each exclusion in turn, said that Tennessee followed the “concurrent causation doctrine, which allows for recovery where the loss is essentially caused by an insured peril with the contribution of an excluded peril merely as part of the chain of events leading to the loss.” Because the court found that the dripping water was the peril insured against and proximate cause of the loss, it did not matter that the other excluded perils—rust and electrical disturbance—contributed to the loss. 

 Other courts have put their own interpretations on the efficient proximate cause rule. Another California appeals court in State Farm Fire and Casualty Ins. Co. v. Von Der Lieth, 820 P.2d 285 (Cal. App. 1990) upheld a denial of coverage where the trial court had ruled that third-party negligence, rather than earth movement, was the efficient proximate cause of a loss. In this case, the appeals court held that even though the acts of the third party were negligent, they were not the predominant cause of the loss. So this case turned more on the meaning of efficient proximate cause, that is, whether that term means “predominant” or “triggering” than on whether such a cause of loss doctrine should be applied.

 Utah’s Supreme Court, in Alf v. State Farm Fire and Casualty Ins. Co., 850 P.2d 1272 (Utah 1993), has recognized the efficient proximate cause doctrine, but only “when the parties have not chosen freely to contract out of it,” which modern policy language generally does. Citing a Colorado decision, the court held, “the efficient proximate cause rule … must yield to a well-settled principle of law: namely, that courts will not rewrite a contract for the parties.” In Alf, the court made a survey of states’ positions on the efficient proximate cause issue, stating that California and Washington have adopted the rule, while Nevada, Arizona, Colorado, and Wyoming have not adopted the rule or have determined that the express exclusionary terms of insurance policies override it.

Amended Policy Provisions

 Concurrent causation disputes most often involve open perils forms, where the insured could argue that events such as negligence of a third party or faulty construction were insured perils because they were not specifically excluded. Consequently, in 1983 ISO made revisions to the causes of loss forms, revisions intended to avoid the concurrent causation doctrine.

 And, as noted earlier, one of the revisions was the deletion of any reference in the causes of loss forms to “all risks of direct physical loss.” Although the term all risks is sometimes still used by those in the insurance industry, the deletion of “all” was intended to avoid creating “reasonable expectations” among insureds that the policy would cover any loss, even one that is the subject of an exclusion.

 Also, in the property forms (both commercial and personal), the insuring agreement was written so as to apply to “risks of direct physical loss, unless the loss is excluded under the Exclusions That Apply To Property Coverages…” (italics added; AAIS Form 5, Ed. 2.0). The emphasized portion was added to state more strongly the point that the broad grant of coverage is not all-encompassing.

 The introductory language added in the exclusions section is more clearly aimed at avoiding liability for concurrent causation type losses. This is a statement that some of the loss causes described in the exclusions section are not covered “regardless of any other cause or event contributing concurrently or in any sequence to the loss. Nearly identical language can be found on the basic, broad, and special causes of loss forms of the ISO commercial property program.

 The excluded causes of loss affected by this language are building ordinance or law; earth movement and volcanic eruption; governmental action; nuclear hazard; utility services (off-premises power failure in the homeowners forms); war and military action; and water (including mudslide or mudflow, back ups or overflows from a sewer, drain, or sump). The ISO homeowners forms adds “intentional loss” to the list of excluded causes of loss. For these exclusions, no coverage is provided no matter what other cause of loss may precede and bring about these excluded causes.

 As an example, an insured building and retaining wall may be partially destroyed by an explosion. An hour later the earth behind the retaining wall slides down the hill and completely razes the building. Although explosion is a covered peril and the proximate cause of the loss, the risk of earth movement is not covered if the concurrent causation language is read literally.

Some Ensuing Losses Covered

 The 1984 homeowners forms added a second group of exclusions to the section I exclusions. The prefacing language stated that “we do not insure for loss to property described in Coverages A and B caused by any of the following. However, any ensuing loss to property described in Coverages A and B not excluded or excepted in the policy is covered. This group excludes coverage for loss caused by weather conditions (but only if the weather conditions contribute to one of the excluded causes of loss such as earth movement), acts or decisions, and faulty, inadequate, or defective planning, construction, maintenance, and so forth. But if a loss not otherwise excluded results from one of these, that ensuing loss is covered. 

 Under this group of exclusions, if a chimney cleaner inadequately cleaned the chimney and a fire ensued, the resulting fire loss would be covered. The cost to reclean the chimney would not be covered. But if the negligent act of an individual or individuals resulted in a flood, as it did in Guyton, there would be no coverage.  

 These exclusions of coverage for loss or damage caused by acts or decisions (or failure to act) of individuals and groups, and faulty, inadequate, or defective planning, design, materials, or maintenance, have precluded coverage for claims involving an excluded peril that might once have succeeded under the theory that third party negligence was a concurrent covered peril are being successfully denied.

 For example, in Tzung v. State Farm Fire and Casualty Co., 873 F.2d 1338 (9th Cal. 1989), a federal court of appeals held that the exclusion of third party negligence (and the exclusion for damage by inherent defect) barred recovery when the insured’s apartment building cracked and settled due to subsurface water that damaged the improperly designed building.

 More recently, in Winans v. State Farm Fire and Casualty Co., 968 F.2d 884 (9th Cal. 1992), the court ruled that a defect in construction of a house caused by the contractor’s negligence in failing to remove loose soil from beneath the home during construction, which was discoverable only after an intensive after-loss expert inspection, was a latent defect excluded under the policy. The court stated that where “the defect is not apparent upon reasonable inspection but only after a post-failure examination by an expert, then the resulting loss is caused by a ‘latent defect’.”

Concurrent Causation and the Ordinance or Law Exclusion

 A few cases involving ordinance or law exclusion as pertaining to concurrent causation have reached court review. Although the losses involved differ, the basic principle of the cases is similar. In each case, a covered peril caused extensive damage to the insured structures, which were then ordered condemned and razed by city officials. The insurers invoked the ordinance and law exclusion and the exclusionary lead-in language eliminating coverage where an excluded peril is involved concurrently or in any sequence in the loss. In each case, the courts found the exclusion inapplicable.

 In Digravina v. Merchants Mutual Ins. Co., 1991 WL 90737 (S.D. N.Y. May 23, 1991), a heavy rain and windstorm caused a portion of the insured building’s roof to collapse. A civil engineer’s report stated that the collapse of the entire roof was imminent and that the building should be condemned. The report further stated that if the roof were to collapse, there was a “real danger” that the masonry sidewalls could explode outward with great force. The report concluded, “It did not appear to be economically feasible to attempt to repair the roof and walls of the building, and … that the building should be razed.” The municipality notified the insured that the building was an unsafe structure and ordered the insureds to demolish the building.

 The insurance policy contained the standard ISO concurrent causation exclusionary lead-in language excluding loss caused by certain perils (including loss caused by enforcement of any ordinance or law) regardless of any other cause contributing concurrently or in any sequence to the loss.

 The insured made claim for the entire $430,000 cost of replacement of the structure. The insurance company moved for a summary judgment limiting its payment to $94,000, representing the cash value of the repair or replacement of that portion of the building roof actually damaged by the partial collapse. The court awarded the entire $430,000 to the insureds. The insureds argued that the storm so damaged the building that the only practical course of action was to raze the entire structure. The court held that “the storm, and not the town’s subsequent action, constitutes the cause in fact of a constructive total loss of the insured building…. [A]n independent engineer concluded that the building must be razed before the town issued its demolition order. The town’s action was not causally related to the constructive total loss of the building. The storm caused the loss.” In effect, this is adopting the efficient proximate cause rule, and denying the exclusionary lead-in language of the policy.

 Another case dealing with this issue, Norfolk & Dedham Mutual Fire Ins. Co. v. DeMarta, 799 F. Supp. 33 (E.D. Penn. 1993), comes to the same conclusion. The insured’s claim for loss of their house when it was demolished by the city was covered by a homeowners policy because the loss was actually caused by collapse due to hidden decay, a covered peril. The court held that the decay had already started prior to the city’s demolition undertaken to avoid further damage. According to the court, the demolition merely recognized the collapse that had already occurred because of the hidden decay. The ordinance or law exclusion was held to be inapplicable under these circumstances.

 And in Davidson, the court found for ordinance and law coverage when, following the loss, building inspectors required compliance with several building code provisions. It should be noted, though, that the insurer first based its declination on the fact that it believed no covered loss had occurred.

Which Applies, Concurrent Causation or Efficient Proximate Cause?

 It often appears as if the doctrine of concurrent causation and the doctrine of efficient proximate cause are interchangeable theories of recovery. They are not, though sometimes they can entwine within the same loss.

 7 Couch on Insurance (Third Edition, §101:57) states, “In cases involving multiple causes that act to produce a loss, with at least one cause falling within the policy coverage and at least one falling outside it, the most common approaches to determining whether recovery should be allowed on the insurance contract are the efficient proximate cause rule and the concurrent cause rule. The efficient proximate cause rule allows recovery for a loss caused by a combination of a covered and an excluded risk only if the covered risk was the efficient proximate cause of the loss “meaning that the covered risk set the other causes in motion which, in an unbroken sequence, produced the result for which recovery is sought”. This rule is essentially a simple restatement of the traditional views that proximate cause is the efficient cause “which may also be stated as proximate cause being the cause which sets in motion an unbroken chain of events which produces the loss.” Couch continues, “”it is a fine line indeed between concluding that one of ‘two causes’ was the ‘efficient proximate cause,’ and concluding that only one of the two alleged causes met the definition of ‘proximate’ cause at all. There is little to differentiate the efficient proximate cause analysis from the ordinary requirement that there be a proximate cause relationship between the loss and a covered risk. The concurrent cause rule, on the other hand, takes the approach that coverage should be allowed whenever two or more causes do appreciably contribute to the loss, and at least one of the causes is an included risk under the policy. This approach is employed by many jurisdictions “at least in some contexts.” (As we will see, this is often the case with liability coverage.)

 Florida is one jurisdiction that adheres to the concurrent cause doctrine. In Paulucci v. Liberty Mutual Fire Ins. Co., 190 F.Supp.2d 1312 (M.D. Fla. 2002) the roof of the insured’s two-story structure, which he used for storage, collapsed during a tropical storm. The insured claimed the weight of water on the roof of the 1920s building caused it to collapse, while the insurer argued that the building was so deteriorated that wet and dry rot caused the collapse. The court said “‘Concurrent cause doctrine’ and ‘efficient proximate cause doctrine’ are not mutually exclusive, but rather, the concurrent cause doctrine applies when multiple causes are independent, and the efficient proximate cause doctrine applies when the perils are dependent.” The court went on to say that it was not persuaded by the California Supreme Court’s reasoning in Garvey, and “without Florida authority applying the efficient proximate cause doctrine to first party insurance contracts when relevant perils are independent, I must find the concurrent cause doctrine is the prevailing default standard in Florida.” This collapse part of the loss was remanded for jury action as to its cause.

 On the other hand, Oklahoma follows the efficient proximate cause doctrine. In Kelly v. Farmers Insurance Co., 281 F.Supp.2d 1290 (W.D. Okla. 2003), the court applied the doctrine to find coverage when a covered water loss (a pipe ruptured because of freezing) resulted in extensive mold damage. The policy excluded coverage for “loss either consisting of, or caused directly or indirectly by “mold.” The court followed Oklahoma law, which held that if the proximate cause of the loss was covered, the entire loss was covered. Further, the exclusion “did not expressly and specifically disclaim coverage when one or more covered causes contributed to the mold-related loss.”

Exclusionary Language Upheld

 Despite the theory of recovery advanced, most jurisdictions will uphold policy language unless it specifically conflicts with state law. So, in State Farm Fire and Casualty Co. v. Bongen, 925 P.2d 1042 (Alas. 1996) there was no coverage when a mudslide, resulting partially from clear cutting of trees above the insured’s residence, damaged his home. The insured argued that public policy should not allow an insurer to circumvent the efficient proximate cause rule. But the court said the exclusionary language was clear and unambiguous, and so the denial was upheld.

 And in Paulucci, discussed earlier, the court said that “parties can contract around the concurrent cause doctrine through an express anti-concurrent cause provision.

Concurrent Causation and Liability

 Although we commonly think of concurrent causation or efficient proximate cause in terms of property coverage, these theories are often applied to liability situations. But in these situations, particularly when an exclusion such as the motor vehicle exclusion in a homeowners policy is involved, attempting to find coverage simply by including “negligence” in the complaint will not be sufficient to trigger coverage. For example, in Mailhiot v. Nationwide Mutual Fire Ins. Co., 740 A.2d 360 (Vt. 1999) the plaintiffs alleged that their son’s injuries were the result of the Wymans’ negligence in supervising their son. The son drove an ATV with the plaintiffs’ son as a passenger, when he lost control and crashed, causing the passenger severe injuries. But the court said that the allegedly negligent supervision was inseparable from the excluded activity of operating the ATV off insured premises, and therefore the concurrent causation doctrine did not apply.

 But in K. Cawthon v. State Farm Fire & Casualty Co., 965 F.Supp. 1262 (W.D. Mo. 1997), the court, applying Missouri law, found that the doctrine of concurrent causation operated to give coverage under a homeowners policy when a helper was killed while helping the insured remove a tree. The insured attached a rope to the tree and to his truck; a tree limb was dislodged and struck the helper. The court said the predominant cause of the helper’s death was the manner in which the rope was secured around the tree and the result would have been the same regardless of the means used to dislodge the tree. 

 Insurers have attempted to limit their exposure through the language excluding coverage for liability “arising out of” a certain activity, such as ownership, maintenance, or use of an excluded motor vehicle. But in jurisdictions applying the concurrent causation doctrine, coverage turns on whether the activity causing the loss can be attributed to an excluded vehicle or to another nonexcluded cause. The plaintiffs in Estate of Pennington v. Wolfe, 262 F.Supp. 2d 1254 (D. Kan. 2003) argued that the claim was “proximately caused by the concurrence of both vehicle-related and nonvehicle-related negligent acts, and the motor vehicle exclusion does not preclude coverage for nonvehicle-related acts to cause damage. The court agrees.” Here, Wolfe was driving a pickup from which a large piece of farm equipment fell. The plaintiffs hit the equipment, veering into oncoming traffic, and were killed. The Wolfes’ auto policy paid its limits, and the estate brought suit to recover under the farmowners policy. The court held that failing to remove the equipment from the highway and warn others it was there were actions independent of operation of a motor vehicle, and so, applying Tennessee law, the doctrine of concurrent causation operated to give coverage.

Source FC&S Expert Coverage Interpretation