Gold
End525
Matching Undamaged Siding and/or Roofing Coverage
- $20,000 limit for undamaged siding/roofing
- Siding portion includes soffit/fascia, if damaged
- Endorsement owes for substantially similar siding
- Applies to vinyl or metal siding and to 3-tab or architectural/laminate shingles
HO 04 81
Actual Cash Value Loss Settlement
- Changes loss settlement terms to ACV for structures indicated on endorsement.
- Can be unscheduled structures only, specific scheduled structures, or all of Cov B.
- Can be used to make secondary/seasonal home ACV only.
- Review Endorsement in PolicyCenter to see which structures ACV applies to.
Wind and Hail Losses to Exterior Dwelling Property
(commonly 80 61)
- Typically excludes cosmetic damage to the exterior of the property and outlines that repair is restoring a portion of property less than the entire roof, exterior siding, or any other component of exterior property to its functionality.
- When replacing property that is older than 10 years at the time of loss, payment will be ACV. Repairs are paid RCV regardless of age.
Something that we need to take a photo of at every inspection to show the location
House number
Line of Sight
and the states
IOW
Iowa, washington and Ohio
there are other stated with limitd line of sight per slope such as TN
Any position from which it is reasonably possible that someone might view multiple slopes/elevations of a dwelling
END535
Matching Undamaged Vinyl or Metal Siding Coverage
- Same provisions as 525, but applies to vinyl or metal siding only (no roof matching coverage)
HO 84 32
Dwelling Cosmetic Hail Damage Coverage
- Provides coverage for cosmetic damage occurring to the following metal items, depending on insured selection: roof, siding, gutters, downspouts, windows, doors, soffits, fascia, and eaves.
- Only applicable when hail is the cause of loss.
- Endorsement has 3 coverage options. See PolicyCenter to verify what insured chose.
HA 80 46 1024
LIMITED RCV LOSS SETTLEMENT WH LOSS
RCV roof surface payment scheduaL one year from DOL to complete repairs to receive recoverable depreciation
What photos need to be labled
All photos from adjuster inspection need to be added and labeled in Xactimate
Connect Fence
RCV, unless policy states ACV
TX policy makes all fencing ACV only.
END531
Actual Cash Value Roof Coverings Endorsement
- Changes roofing valuation to actual cash value
- Added by underwriting due to roof condition (does not lower premium)
- Roof material (shingles, shakes, etc.) are ACV
- Underlayments (felt, IWS) are ACV
- Any item in Xactimate that has the word “flashing” in the Line-Item Description is ACV
- Turtle Vents & Drip edge are Replacement Cost (recoverable depreciation)
Does not apply to detached buildings
HO 84 05
Dwelling Cosmetic Hail Damage Coverage for Metal Roof or Siding
- Provides coverage for cosmetic damage to metal roof or metal siding.
- Applicable to hail losses only.
- 2 coverage options available. See PolicyCenter to verify what insured selected.
- Endorsement not needed for window wraps/trim, downspouts, gutters, doors, or windows (base policy covers these).
Conditions for Wind-Hail Loss to Exterior or Roof Surfacing
HA 80 67
- Can exclude cosmetic damage to exterior when caused by wind or hail.
- Look at endorsement to see if specific components included or excluded.
- Some states with this endorsement do not exclude cosmetic damage but include language that states the repair to return property to pre-loss condition without regard to appearance, matching of materials used in repair not guaranteed.
Close-up of?
f damaged area
• Photos of damaged contents – multiple items can be included in the photos, open all boxes
and containers.
• Any questionable, non-related, non-damaged or non-covered or unusual damage (Ex: wear
and tear, prior cracks, etc.).
Exterior Damages
Classic Fencing
American Family
Classic Policy – RCV, All components
Roofing Surface Payment Schedule
When the age of any roofing surface, except for any wood roofing surface, is 9 years old or newer RCV, you will receive payment as shown in the Roofing Surface Payment Schedule below.
HO 88 02
Roof Surface Payment Schedule
- Roof damage from wind/hail is ACV under the base policy.
- This endorsement keeps valuation at ACV and establishes a payment schedule that determines the payment percentage based on roof material and age of the roof.
- No eligible holdback/depreciation.
ACV Loss Settlement- Wind or Hail Losses to Roof Surfacing
Settlement of roof is ACV when loss caused by wind or hail.
Any questionable, non-related, non-damaged, non-covered, such as?
r unusual damage (e.g.,
Footfall, nail pops, blisters, mechanical).
Advanced Fence
Advance Policy – Wood fence is ACV (all components), non-wood fences are RCV*
END 0070
Roof surface payment schedual
When the age of any roofing surface, except for any wood roofing surface, is 9 years old or newer RCV, you will receive payment as shown in the Roofing Surface Payment Schedule below.one year to finish repairs
HO 84 10
Dwelling Matching Undamaged Vinyl or Metal Siding Coverage
- Provides up to $20,000 for replacement of undamaged vinyl/metal siding if similar siding is not available to match damaged siding.
- Only applies to Dwelling siding. Separate endorsement for Scheduled Structures.
- Does not cover mismatches due to weather, fading, oxidizing, or wear & tear.
HA 06 46 0624
LIMITED ACV LOSS SETTLEMENT WH LOSSES ROOF SURFACE
ACV loss settlement roof using roof suface payment schedual
In photo description, make sure the description is adequate to describe what the photo is of.
What it is and where it is located
▪ Garage – left slope – hail
▪ Dwelling - back – No damage
▪ Dwelling – Family Room – carpet damage
Homesite fence
ACV only, all components