Maryland WORLDS APART CAPsure Manual 12 2015 Water Ice ... · Rating Manual . Ed. 5/2015 & 8/2015...

MIDDLESEX MUTUAL ASSURANCE COMPANY

WORLDS APART CAPsure

Maryland

Rating Manual

Ed. 5/2015 & 8/2015 Page 2 of 24


RATING Property – Buildings Amount of Insurance (in 100’s)

X Base Rate

X Residential Units per building factor

+ Premium per building charge*

= Unmodified Premium

((unmodified premium X primary class factor X % of building with primary class)

+

(unmodified premium X secondary class factor X % of building with secondary class))

X age of building factor

X all Perils deductible factor

X building and business personal property limits type factor

X central alarm factor

X coastal or inland wind factor

X condominium % leased factor

X construction factor

X freeze alarm factor

X loss payment option factor

X number of stories factor

X primary per occurrence loss limit factor

X protection class factor

X smoke detector factor

X sprinkler factor

X stove top factor

X tenant vandalism deductible factor

X total units factor

X ice dam deductible factor

X water damage deductible factor

X water heater deductible factor

X wind deductible factor

X wind exclusion factor

X wind roof surfacing – ACV factor

= manual building premium.

*does not apply for the Outbuilding class

Ed. 5/2015 & 8/2015 Page 3 of 24


Property - Business Personal Property Amount of Insurance (in 100’s) X Base rate for Business Personal Property

= Unmodified Premium

(unmodified premium X primary class factor X % of building with primary class

+

unmodified premium X secondary class factor X % of building with secondary class)

X age of building factor

X all Perils deductible factor

X building and business personal property limits type factor

X central alarm factor

X coastal or inland wind factor

X condominium % leased factor

X construction factor

X freeze alarm factor

X number of stories factor

X primary per occurrence loss limit factor

X smoke detector factor

X sprinkler factor

X stove top factor

X protection class factor

X tenant vandalism deductible factor

X total units factor

X ice dam deductible factor

X water damage deductible factor

X water heater deductible factor

X wind deductible factor

X wind exclusion factor

= manual business personal property premium.

Ed. 6/2014 Page 4 of 24 corr.


Business Liability Business Liability includes medical payments and personal and advertising injury. The available limits of business liability are $300,000, $500,000, $1,000,000 or $2,000,000 per occurrence.

The aggregate limit for injury or damage under the products/completed operations hazard arising from all occurrences is twice the Liability and Medical Payments Occurrence Limit.

The aggregate limit for all other injury or damage including medical expenses is twice the Liability and Medical Expenses Occurrence Limit. This limitation does not apply to Medical Expenses.

Medical Expenses is included for $5,000 per person. Optional limits of $10,000 and $25,000 are available.

Tenants Fire Liability (providing coverage for the named insured as a tenant in building owned by someone else) is included for $300,000. No increase or decrease in limits is available.

Liability Rating

Total limit of insurance

X ((percent primary nonresidential class X primary nonresidential class factor)

+ (percent secondary nonresidential class X secondary nonresidential class factor))

X lessor’s liability rate per $100 limit of insurance

+

(number of residential units in building

X lessor’s liability rate per unit X primary class factor)

= unmodified premium.

Unmodified premium

X association factor

X condo % leased factor

X increased limits factor

X total number of units factor

X increased limit medical expenses factor

= manual liability premium.

Ed. 6/2014 Page 5 of 24 MIDDLESEX MUTUAL ASSURANCE COMPANY

Liability Hazards

An additional liability charge is made for the following:

Pools *

Wells

Piers

Pond, Lake Or Ocean Frontage

Power Generation

Sewage Ejector Pump

Waste Water Treatment

Water Retention – Run Off Ponds

* Rate property coverage for pools separately

Undeveloped Land - AWA 66 17

An additional liability charge is made for undeveloped land.

Terrorism A Terrorism charge applies to all buildings over 15 stories, all territories.

Premium is calculated by applying the terrorism factor to the property, business personal property and liability premiums.

Factor is applied to manual premiums. It does not apply to Liability Hazard premiums.

No Rate Modification Factor (RMF) applies.


RATING FACTORS Age of Building

Buildings built less than 45 years ago qualify for the Age of Building credit. Age of building is the difference between policy effective year and year of building construction.

All Perils Deductible

All policies contain the All Perils Deductible. The standard All Perils Deductible is $1,000. The following optional higher deductibles are available: $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, $50,000, $75,000, and $100,000.

Policy all perils deductible is selected at the policy level but rated based on each building plus business personal property coverage amount like commercial property rating. The table gives the deductible factors by range of coverage amount.

Association Type Factor

If the product is CAPsure, then the user needs to select the type of association and the appropriate factor is applied.

Condominium Association - An association whose members have individual ownership of the space within the boundaries of their residential units and share an undivided interest in common areas

Tax Districts Condominium Associations - As a tax district, the association would provide services such as sewer treatment, water treatment and streets and roads.

Homeowner’s Association - An association of single-family homeowners who own property in common that consists of green belts, paths, parks, community centers, pools or other jointly owned property. The association provides maintenance, repairs and insurance covering only the property held in common.

Base Rate

Base rates are determined by territory.

Building and Business Personal Property Limit Type

Specific or Blanket at the location level. Property may be insured on specific or blanket limits. Blanket limits are at the location level. The limit is the sum of Building and BPP for all blanketed buildings. Blanketed buildings are always written on a Replacement Cost basis.

Class

Company-specific classes are used.

For residential classes, the liability exposure base is number of units.

For non-residential classes (Club House, Mercantile, Office, Parking Garage, Restaurant and Outbuildings), the liability exposure base is the Limit of Insurance.

Auxiliary buildings, garages and other appurtenant structures must be insured separately.

There is no charge for liability on outbuildings.


WORLDS APART Classes:

1-4 Family Dwelling

5+ Family Converted Dwellings

Apartment Building

Rowhouse

Rental Condos

Cooperative

Public Housing

Affordable Housing

Senior Housing

Student Apartment

Mandatory $2,500 Tenant Vandalism Deductible Endorsement

Liability Limits of Insurance are limited to $1,000,000/$2,000,000.

Student Dwelling

Mandatory $2,500 Tenant Vandalism Deductible Endorsement

Liability Limits of Insurance are limited to $1,000,000/$2,000,000.

Outbuildings

Mercantile

Office

Restaurant

Club House

Parking Garage

CAPsure Classes:

Primary Residence Associations

Secondary Residence Associations

Time Share Associations

Outbuildings

Mercantile

Office

Restaurant

Club House

Parking Garage


Condominium Percentage Leased Factor

Applicable to CAPsure Primary Residence Association risks only. Factor is determined based on what percentage of the total units are leased units.

Construction

Factor applies based on construction type.

Frame

Masonry Veneer

Joisted Masonry

Non-Combustible

Masonry Non-Combustible

Fire-Resistive including Modified Fire Resistive

Mixed Construction

When a building is of mixed construction, determine the applicable construction type as follows:

If 2/3 or more of the total wall area is of masonry or fire-resistive materials the construction type is:

Fire-Resistive or Modified Fire-Resistive, when 2/3 or more of the total floor and roof area is of masonry or fire-resistive materials.

Masonry Non-Combustible when 2/3 or more of the total floor and roof area is of non-combustible materials.

Joisted Masonry, when more than 1/3 of the total floor and roof area is of combustible materials.

If 2/3 or more of the total wall area and 2/3 or more of the floor and roof area is of non-combustible materials, the applicable construction type is Non-Combustible.

If more than 1/3 of the total wall area is of combustible materials, the applicable construction type is Frame.

Expense Reduction and Commission Contribution

Company Expense Agent Expense Company and Agent

Expense

A B A+B

Credit Range % Credit Range % Maximum Credit Range % 0 – 15 0 - 15 15


Individual Risk Premium Modification (IRPM)

To recognize special circumstances, IRPM may be used in accordance with the following guidelines subject to underwriter approval:

The total credits or debits applied may not exceed 40%.

Application of credits may not reduce the total premium below the policy minimum premium of $1500.

IRPM is applied after all other rating procedures.

IRPM does not apply to the following coverages: Employee Benefits Liability, Employee Benefits Liability – Extended Reporting Period.

IRPM should not reduce Liquor Liability premium below minimum premium of $500.

Risk characteristics Description Range of Modification

Credits Debits

Management

Cooperation in matters of safeguarding and proper handling of the property covered.

15% to 15%

Safety Group Membership

Participation in an education program designed to lower loss potential Sanctioned by the Company

5%

Location

Accessibility, congestion and exposures.

12% to 12%

Building Features

Age, condition and unusual structure features

10% to 10%

Premises and Equipment

Care, condition and type.

10% to 10%

Employees

Selection, training supervision and experience.

5% to 5%

Protection

Not otherwise recognized.

5% to 5%

(Company Expense Mod + Agency Expense Mod) x IRPM = RMF


Lead Maryland Changes - Liability For Hazards of Lead - BP 04 44 Lead Exclusion - AIL 10 01 - If the offer of coverage under BP 04 44 is rejected in writing by the Named Insured, attach AIL 10 01 to exclude all lead coverage. BP 04 44 must be offered to owners of properties in Maryland that contain one or more rental dwelling units. A rental dwelling unit is defined in the Maryland Lead Poisoning Prevention Program Act as a room or group of rooms that form a single habitable unit for permanent occupation by one or more persons, with provisions for living, sleeping, eating, cooking and sanitation. However, a rental dwelling unit does not include units in a hotel or units not offered for rent. Such units must be registered with the Department of the Environment and certified to be in compliance with the Maryland Lead Poisoning Prevention Program Act. For units, which meet these criteria, the endorsement provides coverage for expenses included in a qualified offer. Coverage for expenses included in a qualified offer is limited to:

$9,500 for each eligible person for relocation expenses, rent subsidy and other incidental expenses.

$7,500 for each eligible person for medical expenses necessary to mitigate the effects of lead poisoning from lead in or on an affected property. This coverage is provided only in lieu of payment for such treatments by the Maryland Medical Assistance Program or a health insurance plan covering these persons. An eligible person is a person who is either under six years old and a pregnant

woman and who resides, or regularly spends at least 24 hours a week, on that part of an affected property which has been certified to be in compliance with the

Maryland Lead Poisoning Prevention Program Act.

Loss Settlement Options

Factor applies based on the Loss Payment Clause.


Moratorium Protocol In response to MARYLAND INSURANCE ADMINISTRATION Title 31 Subtitle 08 Chapter 12, the following outlines Moratorium Protocol for the Worlds Apart/CAPsure program, effective April 1, 2010. The moratorium is designed to have the least impact on the conduct of business throughout the State as reasonably possible. The moratorium may not suspend the binding, or writing, or both of all lines of business of an insurer. Moratoriums shall be based on the following weather or non-weather related events, or emergencies and are not effective until: (1) The National Weather Service issues a hurricane or tropical storm watch, warning, or advisory for part of the State or the entire State; (2) The Governor or other governmental entity declares a state of emergency for part of the State or the entire State; (3) The announcement of an evacuation, whether mandatory or voluntary, for part of the State or the entire State; (4) The imposition of a special curfew for part of the State or the entire State; or (5) The onset of an earthquake that is in an area within: (a) 50 miles of the epicenter of an earthquake that is 5.0 to 5.9 on the Richter scale; or (b) 100 miles of the epicenter of an earthquake measured 6.0 or greater on the Richter scale. The moratorium SHALL be limited to:

Those areas of the State that are impacted by the National Weather Service watch, warning, or advisory;

Areas of the State that are included within the government-declared area of disaster or emergency;

Areas of the State that are under an evacuation order, whether mandatory or voluntary;

Areas of the State under a special curfew; or Areas of the State that are within:

(a) 50 miles of the epicenter of an earthquake that is 5.0 to 5.9 on the Richter scale; or (b) 100 miles of the epicenter of an earthquake measured 6.0 or greater on the Richter scale.


A moratorium applies only to lines of business that are reasonably expected to be affected by the impending weather or non-weather related event or disaster or government-declared emergency for part of the State or the entire State that was the basis for the moratorium. Exceptions The implementation of a moratorium will not be used to deny binding authority or coverage for the following transactions: Property insurance that was bound prior to the implementation of the moratorium; Automobile liability insurance being purchased in connection with the purchase of a new or used motor vehicle by a consumer; Issuance of policies where the risk of loss is unrelated to the impending weather event or government-declared disaster; and Additional types of coverage, endorsements, or limits being made to an existing policy while it is in the renewal period which includes the 45 days prior to, and up to and including, the renewal date of an existing property and casualty insurance policy, subject to any change becoming effective on the renewal date of the policy Lifting the Moratorium A moratorium issued by the company shall be regularly monitored by the insurer. Except as provided above, a moratorium for a weather related event shall not continue for more than 24 hours after the termination of the last warning issued for part of the state or the entire state. Earthquake (1) A moratorium issued because of an earthquake shall be lifted 72 hours after the onset of the earthquake. (2) An aftershock of 5.0 or greater on the Richter scale that occurs during the restricted period shall be treated as a new earthquake, resulting in a new 72 hour period of suspended binding authority. Notice to the Commissioner The company shall notify the Maryland Insurance Administration of its implementation of a moratorium by: (1) Email to an electronic mailbox provided by the Administration and; (2) Filing through the System for Electronic Rate and Form Filing (SERFF). The notice shall be provided to the Administration when a moratorium has been implemented and shall identify those geographic areas of the State where the moratorium is being applied.


Number of Stories Factor

This factor is determined by the construction and number of stories.

Primary Per Occurrence Loss Limit, AWA 66 58 This coverage will be at a policy level in that only ONE value may be selected to cover multiple locations/buildings. Each building will have a factor applied to the base building premium. This factor will be designated by location (no matter how many buildings there are per location). All buildings at a given location will have the same factor applied. The factor may be determined with the following algorithm:

1. Calculate TIV (total insured value) for the location as:

Total Building limits; plus

Total Contents limits; plus

Total Ordinance or Law limits (2&3 combined), capped at 10% of the building limit for all buildings at the location.

2. Divide the primary loss limit per occurrence by the TIV for the location to determine % of Value

3. Use the % of Value to look up the percent of premium in the First Loss table.

4. Multiply the premium for any location property coverage by this factor to get the final location premium.

Protective Devices

Credit is given for protective devices. The credit is the product of all the individual factors. No maximum credit applies.

Sprinkler Systems Credit

A risk is eligible for Sprinkler Systems Credit if it is 100% fitted with a System 13 Sprinkler System. 100% means the total building including attics, eaves, basements, concealed areas, closets etc. A system 13R does not qualify for credit.

Central Alarm

A risk eligible for a Central Alarm Credit has full alarm including burglar and fire connected to a 24 hour monitored station.

Low Temperature/ Freeze Alarm A risk eligible for a Low Temperature / Freeze Alarm credit has technology that will contact the insured or property manager by telephone or central station connection if the temperature inside the premises drops below a level indicating a loss of heat and a threat of frozen pipes.

Stove Top Fire Suppression

A risk is eligible for the Stove Top Fire Suppression System Credit if 100% of the units have a Stove Top Fire Suppression system which meets our loss control requirements.

Hardwired Smoke Detectors

A risk eligible for the Hardwired Smoke Detectors Credit must have 100% of the building smoke detectors wired to the building electrical system. There must be an adequate number of detectors within the building to meet the state or local code.


Protection Class Factor

This program uses the ISO Protection class grading system of classes 1 to 10.

Residential Units per Building

Factor applies based on number of Residential Units Per Building.

Tenant Vandalism Deductible - AWA 66 89

Deductible options available are $2,500 and $5,000.

Applies in excess of the All Perils Deductible

Total Units

Factor is based on the total number of units on the policy.

Ice Dam Deductible Per-Building – AWA 68 39 – Available for Worlds Apart classes - Deductible options are $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, $35,000, $50,000. $75,000 and $100,000 Ice Dam Deductible Per-Unit – AWA 68 23 – Available for Worlds Apart and CAPsure classes - Deductible options available are $1,000, $2,500, $5,000, $7,500, $10,000, $15,000, $20,000, and $25,000.

Water Damage or Ice Dam Deductible Per Building - AWA 68 36 – Available for Worlds Apart classes only. Deductible options available are $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, $35,000, $50,000. $75,000 and $100,000

Water Damage or Ice Dam Deductible Per Unit - AWA 68 37 – Available for CAPsure classes only. Deductible options available are $1,000, $2,500, $5,000, $7,500, $10,000, $15,000, $20,000 and $25,000.

Water Heater and Other Mechanical Accident Damage Deductible

– AWA 68 22 Deductible options available are $10,000, $15,000, $20,000, $25,000, $35,000, and $50,000.


Wind Zones

Applicable wind zone for each building is determined by ZIP Code.

Wind zone factors will apply to the property premium for risks located within these zones. Factors vary further by building construction type and proximity to the coastline (inside or outside 2500 feet).

The following minimum Wind Deductibles will apply to risks located within these zones.

Use form Special Wind Deductible - AWA 66 32 when a deductible is required.

Zone Construction

Frame Masonry or Non-Combustible

1 5% 2% 2 2% 1% 3 1% See Note Below 0 See Note Below See Note Below

*Note: A minimum wind deductible of $1,000 will apply if:

1. The use class is a Community Association: Primary Residential Association, Converted Primary Residential Association, Secondary Association or Timeshare Association and

2. The All-Perils deductible divided by the number of buildings is less than $1,000


Otherwise, a wind deductible is optional for Masonry or Non-Combustible in Zone 3 and for all risks in Zone 0. In all cases, a higher wind deductible can be purchased. Wind Deductibles of $1000, $2500, 1%, 2%, 5% are available. Wind deductible factors do not apply to any buildings with a wind exclusion.

Wind Deductibles

Special Windstorm Deductible – AWA 66 32 Special Wind Deductible options are 1%, 2% or 5% of the building limit of insurance or $1,000 or $2,500.

The deductible options are 1%, 2%, 5%, $1,000 or $2,500. This deductible is used to apply a windstorm or hail deductible and applies in addition to the All Perils Deductible.

Windstorm or Hail Exclusion – AWA 66 30 The factor to exclude wind is applied to the building and contents rate. Windstorm or Hail Losses to Roof Surfacing - Actual Cash Value Loss Settlement – BP 14 04 Rating factor applies to this endorsement.


Optional Forms and Endorsements

WORLDS APART Advantage Endorsement - AWA 66 14

This endorsement is a package of coverage enhancements designed for property owners of habitational and community association risks.

Premium is based on number of units.

Aggregate Limits of Insurance per Location - AWA 66 16

This endorsement provides that the Section II aggregates apply to each location separately.

Premium is based on number of locations.

This coverage is included in the WORLDS APART Advantage Endorsement.

Business Income Tax Credit Loss Coverage - AWA 68 18

This optional coverage provides business income when tax credits are lost following loss or damage to property.

Building Premium x Tax Credit Factor

Condo Commercial Unit Owners Optional Coverage - BP 17 03

Loss Assessment

First $10,000 of coverage charge + each additional $5,000 charge.

Miscellaneous Real Property

Miscellaneous Real Property Limit / 100 x rate.

Contractors’ Installation, Tools and Equipment Coverage - BP 07 01

Installation Coverage is not available in the program.

Coverage for tools and equipment may be provided on a blanket or scheduled basis.

Limit/100 x rate.

Debris Removal Additional Insurance Endorsement, BP 14 09

The additional amount of $10,000 for debris removal expense in the policy can be increased. Limits available are:$25,000, $50,000, $75,000, and $100,000.

Manual Building Premium / Building Limit /100 x Debris Removal Factor x (Debris limit – 10,000)/100

Earthquake – BP 10 03

This endorsement extends coverage against loss by earthquake.


Earthquake And Volcanic Eruption (Sub-Limit) – AWA 68 15

Sub-limited Earthquake coverage may be provided either on a total policy blanket basis or on a location basis.

Earthquake Deductibles

The deductible for construction types other than Joisted Masonry is 5% of the property value. For Joisted Masonry, the deductible is 10% of the property value.

Earthquake Construction Use the following mapping of construction class

to building class. Construction Class Stories EQ Building Class

Frame or Masonry Veneer 1 & 2 1C

Frame or Masonry Veneer 3 or more 1D

Joisted Masonry All 5B

Non-Combustible All 4B

Masonry Non-Combustible All 5A

Fire Resistive All 3A

Earthquake Rate x Sprinkler Factor x Sub-Limit Factor x Full limit/100 = Earthquake Premium

Sprinkler factor of 1.06 applies if the building has a sprinkler system.

Full limit for specific building rating is the total amount of insurance for the specific building including Building and Business Personal Property.

Full limit for blanket risks is the total amount of insurance for all buildings included under the blanket sub-limit.

Specific Building Rating Sub-Limit Factor = Specific building Earthquake limit / Total Amount of Insurance for that specific building (Building and Business Personal Property).

For example, if the total Earthquake coverage desired is $500,000 and the total amount of insurance provided at that building is $1,000,000.

500,000/1,000,000 = 50%

Sub-Limit factor is .70

Blanket Rating Sub-Limit Factor = Earthquake Sub-Limit / Total Amount of Insurance for all buildings included under the blanket sub-limit.

For example, if the total amount of insurance for all buildings to be included under the Blanket is $10,000,000 and the desired EQ sublimit is $1,000,000.

1,000,000/10,000,000 = 10%

Sub-Limit factor is .40


Employee Benefits Liability Claims Made Form - BP 04 98

Rate at limit selected = Premium. RMF does not apply

Extended Reporting Employee Benefits – BP 04 99

The Extended Reporting Period Aggregate Limit will be equal to the Aggregate Limit entered on the Schedule of the Employee Benefits Liability Coverage Endorsement in effect at the end of the policy

Employee Benefits Liability Total Annual Premium = Premium. RMF does not apply.

Employee Dishonesty

Available limits: $5,000, $10,000, $25,000, $50,000, $100,000, $250,000, $500,000.

$25,000 Employee Dishonesty Coverage is included in the WORLDS APART Advantage Endorsement. Optional Limits available with the WORLDS APART Advantage Endorsement: $50,000, $100,000, $250,000, $500,000.

Forgery and Alteration Coverage

Provided at the same limit as Employee Dishonesty. The premium is 25% of the Employee Dishonesty premium.

Designated Property Management Agent as an Employee Covered for “Employee Dishonesty” Only Endorsement - AWA 6615

Provided at the same limit as Employee Dishonesty. This coverage is included in the WORLDS APART Advantage Endorsement for a limit of $25,000.

Rate at limit = Premium.

Employee Dishonesty Coverage For Designated Community Association Officers and Directors – AWA 6708

Provided at the same limit as Employee Dishonesty.


Extended Business Income Coverage - AWA 68 14

Options available include: 60, 90, 120, 150, 180, 270 and 360 days.

This coverage is included in the WORLDS APART Advantage Endorsement at 90 days.

Building Premium x Extended BI Factor = Building Extended BI Premium BPP Premium x Extended BI Factor = BPP Extended BI Premium

Flood - AWA 66 59

Limited flood coverage is offered with limits up to $5,000,000 in $1,000,000 increments. Locations in Flood Zones A, B, and V are excluded. Deductible options of $5,000, $10,000, $25,000, $50,000, $75,000 and $100,000 are available.


Step1 – Select Flood blanket limit.

Step 2 – Obtain total building & contents limit for eligible buildings. (A, B, and V Zones are not eligible).

Step 3 – Divide the selected Flood Blanket Limit by the risk’s total building & contents limit.

Step 4 – Match the resultant percentage from Step 3 on the Sub-limit Factor table to the corresponding Sub-limit factor.

Step 5 – Multiply the blanket limit’s corresponding base rate X sub-limit factor X deductible factor, if applicable = Final Flood Rate

Hired & Non-Owned Auto Liability – BP 04 04

This coverage is available at the policy liability occurrence limit.


Increased Cost Of Loss And Related Expenses For Green Upgrades - BP 14 75

(Green Upgrades Building dollar limit / Building Limit) / Increased Cost Of Loss percentage = Building Ratio for Green factor look up

(Green Upgrades BBP dollar limit / BPP Limit) / Increased Cost Of Loss percentage = BPP Ratio for Green factor look up

Building

Green Factor x Building Premium / Building limit /100 x Green Upgrades Building Limit/100 = Building Green Upgrades Premium

BPP

Green Factor x BPP Premium / BPP limit /100 x Green Upgrades BPP Limit/100 = BPP Green Upgrades Premium

Related Expense

Related Expense Factor x Building Premium / Building limit /100 x Related Expenses Limit/100 = Related Expenses Premium

Extension of Period Of Restoration

Green Extension of Period Of Restoration Factor x (Building Manual Premium + BPP Manual Premium) = Green Extension of Period Of Restoration Premium

Liquor Liability - BP 04 89

Available only in the CAPsure program.

The only class available for use in the program is:

Restaurants (owned and operated by Community Association) Premium basis is liquor sales $500 minimum premium applies

Rate x Increased Limit Factor x Liquor sales / 1000.

RMF should not reduce Liquor Liability premium below minimum premium of $500.


Ordinance or Law – BP 04 46 Coverage 1 Undamaged Building

Manual Building Premium * coverage 1 factor * Ordinance or Law Age of Building Factor

Coverage 1 with Earthquake

Manual Building Premium *( coverage 1 factor + (Earthquake Base Rate/2)) * Ordinance or Law Age of Building Factor

Coverage 2, Coverage 3 or Coverage 2 & 3

Basic Limit = maximum of 10% of the building limit

Excess Limit = amount > 10% of the building limit

(((Manual Building Premium / (Building Limit / 100)) * (Basic Limit / 100) * Basic Ordinance or Law Age of Building Factor)

+(( Manual Building Premium / (Building Limit / 100)) * ((Total Coverage 2,3,or 2/3 Limit - Basic Limit) / 100) * Excess Ordinance or Law Age of Building Factor))

Business Income

Building Manual Premium * Business Income Factor = Ordinance or Law BI Premium

Ordinance or Law - Blanket Limit - AWA 68 25

Coverage 1 is required

Coverage 2 & 3 Combined Demolition /Increased Cost of Construction

(((Manual Building Premium / (Building Limit / 100)) * (Basic Limit / 100) * Basic Ordinance or Law Age of Building Factor * Blanket Factor)

+(( Manual Building Premium / (Building Limit / 100)) * ((Total Blanket Limit - Basic Limit) / 100) * Excess Ordinance or Law Age of Building Factor * Blanket Factor))

Basic Limit = maximum of 10% of the building limit

Excess Limit = amount > 10% of the building limit

Outdoor Signs

Limit/100 x rate

Residential Buildings - Loss Or Damage To Residents' Autos (Legal Liability Coverage) – AWA 68 31

Rate x Deductible Factor

Spoilage – BP 04 15

Limit / 100 X Rate

Sprinkler Leakage – Earthquake Extension - BP 10 10

EQ Building Extension Final Rate * Building Limit per 100

EQ Business Personal Property Extension Final Rate * BBP Limit per 100

Tenant Emergency Assistance – AWA 66 97

Premium is based on number of units.


Utility Services - Direct Damage Endorsement - BP 04 56

(Building Properties Providing Water rate + Building Properties Providing Communication services rate + Building Properties Providing Power Supply Services rate + Building Overhead Power Transmission Lines rate + Building Overhead Communication Lines rate ) * Building limit/100 = Building Manual Premium

(BPP Properties Providing Water rate + BPP Properties Providing Communication services rate + BPP Properties Providing Power Supply Services rate + BPP Overhead Power Transmission Lines rate + BPP Overhead Communication Lines rate) * BPP limit/100 = BPP Manual Premium

Building Manual Premium + BPP Manual Premium

Time Element – BP 04 57

(Properties Providing Water Services rate + Properties Providing Power Supply Services rate + Communication Supply Properties rate + Overhead Power Transmission lines rate + Overhead Communication Lines rate)* limit/100

Vacancy Permit – BP 04 87

Manual Building Premium x Vacancy Permit Rate

Water Back-Up and Sump Overflow - BP 04 53

Direct Damage available limits: $5,000; $10,000; $20,000; $50,000; $100,000; $250,000; $500,000;$1,000,000.

Water Backup Business Income available limits: $5,000; $10,000; $20,000; $50,000; $100,000.

Wind-Driven Rain – AWA 16 06

The premium charge for Wind-Driven Rain coverage is a factor applied to the Building and Business Personal Property rating calculation(s).


Account Bill Plans The following plans are available.

Account Bill Plan Number of Payments Required Down payment

AQ Account Quarterly 4 25% AM Account Multiple 8 20% AC Account Continuous 12 20%

Installment Fee $5.00 per installment

Policy Cancellation Pro Rata Cancellation

Cancellation return premiums will be computed on a pro rata basis rounded to the next higher whole dollar when the policy is cancelled

At our request;

Because the insured no longer owns the building;

Because it is being rewritten with us; or

The policy is returned for cancellation on the effective date and we receive this request within 45 days of the receipt of the policy by the Named Insured.

Other Cancellations

Cancellation return premiums for reasons other than the above stated reasons or subject to special State requirements will be computed at .90 of the pro rata unearned premium and rounded to the next higher whole dollar.

Policy Minimum Premium The policy annual minimum premium is $1500. If more than one policy is issued for billing purposes, the sum of the policies must equal $1500. This minimum may be pro-rated for a short-term policy. The minimum premium will not be retained if the policy is cancelled.

Policy Term The policy term is for one year. Shorter terms are available subject to underwriting approval.

Restrictions of Coverage Policies may be issued with special restrictions in accordance with State requirements if:

The insured agrees in writing; and the policy would not be written otherwise.


Rounding Procedure

When rounding to the closest whole dollar, round up on equal to or greater than $0.50; round down on less than $0.50.

Unmodified Premium, Manual Premium & Total Premium are rounded in the rating formulas.

Waiver of Premium

All additional and return premiums will be generated. No premiums will be waived. All return premiums will be refunded to the insured.

Advantage_End_Charge

Advantage Endorsement

Total Number of Units Charge0 05 50

Each Additional Unit 3

Advantage_End_Charge 1 MD 6/2014

Age_Of_Bldg

Age of Building

For ages not listed use next highest age.

Age Factor1 0.63 0.625 0.637 0.689 0.710 0.7211 0.7412 0.7513 0.7614 0.7715 0.7816 0.7917 0.819 0.8221 0.8423 0.8625 0.8827 0.9134 0.9440 0.9642 0.9744 0.9845 1.0147 1.0249 1.0499 1.09

99999 1.14

Age_Of_Bldg 1 MD 8/2015


Agg_Limit_Per_Loc

Aggregate Limit per Location

Rate is per 5 & under or 6 or more.

Number Of Locs Rate5 50

9999999999 100

Agg_Limit_Per_Loc 1 MD 6/2014

All_Perils_Deductible


imits not listed use next highest limit.

Bldg Limit Rate Factor50000 1000 0.92850000 2500 0.75150000 5000 0.62150000 10000 0.550000 15000 0.46650000 20000 0.43350000 25000 0.450000 50000 0.3550000 75000 0.350000 100000 0.25

100000 1000 0.95100000 2500 0.808100000 5000 0.696100000 10000 0.56100000 15000 0.517100000 20000 0.473100000 25000 0.43100000 50000 0.367100000 75000 0.326100000 100000 0.285200000 1000 0.958200000 2500 0.856200000 5000 0.729200000 10000 0.599200000 15000 0.551200000 20000 0.503200000 25000 0.455200000 50000 0.381200000 75000 0.346200000 100000 0.311300000 1000 0.968300000 2500 0.884300000 5000 0.772300000 10000 0.653300000 15000 0.598300000 20000 0.543300000 25000 0.488300000 50000 0.396300000 75000 0.362300000 100000 0.327400000 1000 0.98400000 2500 0.899400000 5000 0.814400000 10000 0.707400000 15000 0.645400000 20000 0.583400000 25000 0.522400000 50000 0.411400000 75000 0.375400000 100000 0.338500000 1000 0.983500000 2500 0.911500000 5000 0.832500000 10000 0.731500000 15000 0.671

All_Perils_Deductible 1 MD 6/2014


500000 20000 0.611500000 25000 0.552500000 50000 0.425500000 75000 0.39500000 100000 0.355600000 1000 0.985600000 2500 0.921600000 5000 0.841600000 10000 0.745600000 15000 0.69600000 20000 0.635600000 25000 0.58600000 50000 0.438600000 75000 0.406600000 100000 0.373700000 1000 0.986700000 2500 0.932700000 5000 0.851700000 10000 0.759700000 15000 0.709700000 20000 0.659700000 25000 0.609700000 50000 0.452700000 75000 0.422700000 100000 0.392800000 1000 0.987800000 2500 0.943800000 5000 0.86800000 10000 0.773800000 15000 0.728800000 20000 0.683800000 25000 0.638800000 50000 0.465800000 75000 0.438800000 100000 0.41900000 1000 0.987900000 2500 0.943900000 5000 0.864900000 10000 0.777900000 15000 0.733900000 20000 0.688900000 25000 0.644900000 50000 0.477900000 75000 0.447900000 100000 0.417

1000000 1000 0.9881000000 2500 0.9441000000 5000 0.8681000000 10000 0.7821000000 15000 0.7381000000 20000 0.6941000000 25000 0.6511000000 50000 0.4881000000 75000 0.4561000000 100000 0.4241100000 1000 0.9881100000 2500 0.9451100000 5000 0.8731100000 10000 0.7861100000 15000 0.743



1100000 20000 0.71100000 25000 0.6581100000 50000 0.51100000 75000 0.4661100000 100000 0.4321200000 1000 0.9881200000 2500 0.9461200000 5000 0.8771200000 10000 0.7911200000 15000 0.7481200000 20000 0.7061200000 25000 0.6641200000 50000 0.5111200000 75000 0.4751200000 100000 0.4391300000 1000 0.9881300000 2500 0.9461300000 5000 0.8811300000 10000 0.7951300000 15000 0.7541300000 20000 0.7121300000 25000 0.6711300000 50000 0.5231300000 75000 0.4841300000 100000 0.4461400000 1000 0.9891400000 2500 0.9471400000 5000 0.8851400000 10000 0.81400000 15000 0.7591400000 20000 0.7181400000 25000 0.6781400000 50000 0.5341400000 75000 0.4941400000 100000 0.4531500000 1000 0.9891500000 2500 0.9481500000 5000 0.8891500000 10000 0.8041500000 15000 0.7641500000 20000 0.7241500000 25000 0.6841500000 50000 0.5461500000 75000 0.5031500000 100000 0.461750000 1000 0.9891750000 2500 0.9491750000 5000 0.8961750000 10000 0.8121750000 15000 0.7731750000 20000 0.7351750000 25000 0.6961750000 50000 0.5661750000 75000 0.5191750000 100000 0.4732000000 1000 0.992000000 2500 0.9512000000 5000 0.9072000000 10000 0.8232000000 15000 0.786



2000000 20000 0.7492000000 25000 0.7132000000 50000 0.5942000000 75000 0.5432000000 100000 0.4912250000 1000 0.9912250000 2500 0.9532250000 5000 0.9172250000 10000 0.8342250000 15000 0.7992250000 20000 0.7642250000 25000 0.7292250000 50000 0.6232250000 75000 0.5662250000 100000 0.5092500000 1000 0.9912500000 2500 0.9552500000 5000 0.9232500000 10000 0.8442500000 15000 0.812500000 20000 0.7762500000 25000 0.7422500000 50000 0.6412500000 75000 0.5822500000 100000 0.5232750000 1000 0.9922750000 2500 0.9562750000 5000 0.9242750000 10000 0.8532750000 15000 0.8182750000 20000 0.7842750000 25000 0.752750000 50000 0.6472750000 75000 0.592750000 100000 0.5333000000 1000 0.9923000000 2500 0.9583000000 5000 0.9253000000 10000 0.8613000000 15000 0.8273000000 20000 0.7923000000 25000 0.7583000000 50000 0.6533000000 75000 0.5983000000 100000 0.5433250000 1000 0.9933250000 2500 0.963250000 5000 0.9263250000 10000 0.873250000 15000 0.8353250000 20000 0.83250000 25000 0.7663250000 50000 0.6593250000 75000 0.6063250000 100000 0.5533500000 1000 0.9933500000 2500 0.9613500000 5000 0.9273500000 10000 0.8783500000 15000 0.843



3500000 20000 0.8093500000 25000 0.7743500000 50000 0.6663500000 75000 0.6143500000 100000 0.5633750000 1000 0.9943750000 2500 0.9633750000 5000 0.9283750000 10000 0.8863750000 15000 0.8523750000 20000 0.8173750000 25000 0.7823750000 50000 0.6723750000 75000 0.6223750000 100000 0.5734000000 1000 0.9944000000 2500 0.9654000000 5000 0.9294000000 10000 0.8954000000 15000 0.864000000 20000 0.8254000000 25000 0.794000000 50000 0.6784000000 75000 0.634000000 100000 0.5834250000 1000 0.9954250000 2500 0.9664250000 5000 0.934250000 10000 0.9034250000 15000 0.8684250000 20000 0.8334250000 25000 0.7984250000 50000 0.6844250000 75000 0.6384250000 100000 0.5934500000 1000 0.9954500000 2500 0.9674500000 5000 0.9314500000 10000 0.9084500000 15000 0.8744500000 20000 0.8394500000 25000 0.8054500000 50000 0.6894500000 75000 0.6444500000 100000 0.5994750000 1000 0.9954750000 2500 0.9684750000 5000 0.9324750000 10000 0.9094750000 15000 0.8764750000 20000 0.8424750000 25000 0.8094750000 50000 0.6924750000 75000 0.6474750000 100000 0.6025000000 1000 0.9955000000 2500 0.9695000000 5000 0.9345000000 10000 0.915000000 15000 0.878



5000000 20000 0.8465000000 25000 0.8145000000 50000 0.6955000000 75000 0.655000000 100000 0.6056000000 1000 0.9956000000 2500 0.9726000000 5000 0.9386000000 10000 0.9126000000 15000 0.8836000000 20000 0.8546000000 25000 0.8256000000 50000 0.7036000000 75000 0.6586000000 100000 0.6137000000 1000 0.9967000000 2500 0.9757000000 5000 0.9447000000 10000 0.9157000000 15000 0.8917000000 20000 0.8667000000 25000 0.8427000000 50000 0.7157000000 75000 0.677000000 100000 0.6258000000 1000 0.9968000000 2500 0.9798000000 5000 0.958000000 10000 0.9188000000 15000 0.8998000000 20000 0.8798000000 25000 0.868000000 50000 0.7288000000 75000 0.6838000000 100000 0.6389000000 1000 0.9969000000 2500 0.989000000 5000 0.9529000000 10000 0.929000000 15000 0.9019000000 20000 0.8829000000 25000 0.8639000000 50000 0.7419000000 75000 0.6979000000 100000 0.653

10000000 1000 0.99610000000 2500 0.98110000000 5000 0.95310000000 10000 0.92210000000 15000 0.90310000000 20000 0.88410000000 25000 0.86510000000 50000 0.75410000000 75000 0.71110000000 100000 0.668

9999999999 1000 0.9979999999999 2500 0.9879999999999 5000 0.9639999999999 10000 0.9329999999999 15000 0.9159999999999 20000 0.8979999999999 25000 0.889999999999 50000 0.8259999999999 75000 0.7889999999999 100000 0.75


Association_Type_Factor

Association Type

Assoc Type Liability FactorAll Other 1.000

Apartment 1.000Condo Association 1.000

Homeowners Association .400

Association_Type_Factor 1 MD 6/2014

BI_Tax_Cr_Historical_Factor

BI Historical Tax Credit

Tax Credit Type Rate10 0.0320 0.06

BI_Tax_Cr_Historical_Factor 1 MD 6/2014

BI_Tax_Cr_Low_Income_Factor

BI Low Income Tax Credit

Low Income Tax Credit RateN 0Y .03

BI_Tax_Cr_Low_Income_Factor 1 MD 6/2014

Bldg_Base_Rates

Building Base Rates

Territory Rate Per Bldg Charge1 .193 522 .193 524 .250 675 .178 49

Bldg_Base_Rates 1 MD 6/2014

BPP_Base_Rates

BPP Base Rates

Territory Rate1 .6002 .6004 .6005 .600

BPP_Base_Rates 1 MD 6/2014

Bus_Inc_Cov_Factor

BI Increased Number of Days

Number of Days Factor60 0.01090 0.015120 0.020150 0.030180 0.040270 0.045360 0.050

Bus_Inc_Cov_Factor 1 MD 6/2014

Central_Alarm_Credit

Central Alarm Credit

Central Alarm Ind FactorN 1.000Y 0.950

Central_Alarm_Credit 1 MD 6/2014

Condo_Comm_Loss_Assmt

Condo Optional Loss Assessment

Limit Rate0 0

10000 13

Each Additional 5K 2

Condo_Comm_Loss_Assmt 1 MD 6/2014

Condo_Comm_Misc_Real_Prop

Condo Optional Misc Real Property

Limit Rate9999999999 0.794

Condo_Comm_Misc_Real_Prop 1 MD 6/2014

Condo_Pct_Leased_Factor

Condo % Leased

For % not listed use next highest %.

Percent Leased Factor.05 0.900.1 0.980.15 0.980.2 0.980.25 0.980.3 0.980.35 0.980.5 1.2501 1.500

MD 8/2015 Condo_Pct_Leased_Factor 1


Construction_Factors

Construction

Construction FactorF 1.000

JM 0.900MNC 0.600MV 1.000NC 0.600R 0.350

Construction_Factors 1 MD 8/2015


Contractors_Blanket

Contractors Equipmemt ‐ Blanket

For limits not listed use next highest limit.

Limit Rate5000 4.3510000 3.9825000 3.7550000 3.60100000 3.38

Contractors_Blanket 1 MD 6/2014

Contractors_Empl_Tools

Contractors Equipmemt ‐ Employee Tools


Limit Rate9999999999 4.95

Contractors_Empl_Tools 1 MD 6/2014

Contractors_Non_Owned

Contractors Equipmemt ‐ Non‐Owned


Limit Rate5000 2.1010000 1.8825000 1.5350000 1.73100000 2.85

Contractors_Non_Owned 1 MD 6/2014

Contractors_Scheduled

Contractors Equipmemt ‐ Scheduled


Limit Rate5000 1.7310000 1.5825000 1.5050000 1.41100000 1.35

Contractors_Scheduled 1 MD 6/2014

Damage_to_Tenant_Auto_Ded

Damage to Residents' Auto Deductible

Comp Ded (per Auto) Comp Ded (per Accd) Collision Ded Factor250 500 500 1.000250 1000 500 0.960500 2500 500 0.850500 2500 1000 0.7601000 2500 1000 0.680

Damage_to_Tenant_Auto_Ded 1 MD 6/2014

Damage_to_Tenant_Auto_Rate

Damage to Residents' Auto Rate

Limit Rate60000 376120000 638180000 873225000 1048300000 1329375000 1610450000 1885600000 2424

Damage_to_Tenant_Auto_Rate 1 MD 6/2014

Debris_Removal

Debris Removal

Limit Factor25000 0.40050000 0.40075000 0.400100000 0.400

Debris_Removal 1 MD 6/2014

Employee_Dishonesty_D&O

Employee Dishonesty ‐ Directors & Officers

Limit Rate5000 6210000 8225000 12150000 167100000 234250000 425500000 625

Employee_Dishonesty_D&O 1 MD 6/2014

Employee_Dishonesty

Employee Dishonesty

Advantage selected Limit Number Employee 0‐5 Rate Each Additional UnitN 5000 0 0N 5000 5 62 4N 10000 0 0N 10000 5 82 6N 25000 0 0N 25000 5 121 9N 50000 0 0N 50000 5 167 12N 100000 0 0N 100000 5 234 18N 250000 0 0N 250000 5 425 27N 500000 0 0N 500000 5 625 33Y 25000 0 0Y 25000 5 0Y 50000 0 0Y 50000 5 46 12Y 100000 0 0Y 100000 5 113 18Y 250000 0 0Y 250000 5 304 27Y 500000 0 0Y 500000 5 504 33

Employee_Dishonesty 1 MD 6/2014

Employee_Dishonesty_Prop

Employee Dishonesty Property Managers

Advantage selected Limit RateN 5000 35N 10000 50N 25000 75N 50000 100N 100000 150N 250000 250N 500000 400Y 25000 0Y 50000 25Y 100000 75Y 250000 175Y 500000 325

Employee_Dishonesty_Prop 1 MD 6/2014

Empl_Benefits_Liab

Employee Benefits

Limit Rate1000000/1000000 325.002000000/2000000 400.00300000/300000 225.00500000/500000 275.00

Empl_Benefits_Liab 1 MD 6/2014

EQ_Base_Rates

Earthquake Rates

EQ Territory EQ Bldg Class Bldg Rate BPP Rate11 1C 0.004 0.00411 1D 0.004 0.00411 3A 0.004 0.00211 4B 0.005 0.00411 5A 0.007 0.00511 5B 0.009 0.005

EQ_Base_Rates 1 MD 6/2014

EQ_Sprinkler_Factor

Earthquake Sprinkler

Sprinkler Code Factor10013R 1.060None 1.000Partial 1.060

EQ_Sprinkler_Factor 1 MD 6/2014

EQ_Sub_Lim_Factors

Earthquake Sublimit

For % not listed use next highest %.

EQ Sublimit Percent Factor15 0.40025 0.60050 0.70075 0.750

99999 1.000

EQ_Sub_Lim_Factors 1 MD 6/2014

All ZIP Codes - Territory 11

EARTHQUAKE TERRITORIES

EQ TERR 16/2014

Flood_Base_Rates

Flood Rates

Limit Rate250000 125.00500000 250.00750000 375.001000000 500.002000000 1000.003000000 1500.004000000 2000.005000000 2500.00

Flood_Base_Rates 1 MD 6/2014

Flood_Ded_Factors

Flood Deductible

Deductible Factor5000 1.2510000 1.1025000 1.0050000 0.9575000 0.90100000 0.85

Flood_Ded_Factors 1 MD 6/2014

Flood_Sub_Lim_Factor

Flood Sublimit

Sublimit Percent Factor9.9 3.00019.9 2.80029.9 2.60039.9 2.40049.9 2.20059.9 2.00069.9 1.80079.9 1.60089.9 1.40099.9 1.200

99999 1.000

Flood_Sub_Lim_Factor 1 MD 6/2014

Forgery_Alteration

Forgery And Alteration

Limit Factor5000 0.2510000 0.2525000 0.2550000 0.25100000 0.25250000 0.25500000 0.25

Forgery_Alteration 1 MD 6/2014

Fresh_Water_Wells

Fresh Water Wells

Liability Occur Limit Rate300000 100500000 1151000000 1442000000 216

Fresh_Water_Wells 1 MD 6/2014

Green_Factor_BI

Green BI

Number Of Days Factor60 0.00290 0.004120 0.005180 0.007

Green_Factor_BI 1 MD 6/2014

Green_Factor

Green Updates

Ratio Factor.1 0.835.2 0.790.3 0.745.4 0.700.5 0.660.6 0.615.7 0.570.8 0.525.9 0.4801 0.440

Green_Factor 1 MD 6/2014

Green_Loss_Related_Expense

Green Loss Related Expense

Factor is the same for all limits.

Limit Factor9999999999 0.090

Green_Loss_Related_Expense 1 MD 6/2014

Hardwired_Smoke_Detectors

Hardwired Smoke Detectors Credit

Selected FactorN 1.000Y 0.950

Hardwired_Smoke_Detectors 1 MD 6/2014

Hired_&_Non_Owned

Hired & Non‐Owned Auto

Limit Rate300000 94500000 1031000000 1152000000 128

Hired_&_Non_Owned 1 MD 6/2014


Ice Damper BuildingDeductible

Ice Damper Building

Factor1,000 2,500 0.981,000 5,000 0.971,000 10,000 0.961,000 15,000 0.951,000 20,000 0.941,000 25,000 0.931,000 35,000 0.921,000 50,000 0.911,000 75,000 0.901,000 100,000 0.892,500 2,500 1.002,500 5,000 0.992,500 10,000 0.982,500 15,000 0.972,500 20,000 0.962,500 25,000 0.952,500 35,000 0.942,500 50,000 0.932,500 75,000 0.922,500 100,000 0.915,000 2,500 1.005,000 5,000 1.005,000 10,000 0.995,000 15,000 0.985,000 20,000 0.975,000 25,000 0.965,000 35,000 0.955,000 50,000 0.945,000 75,000 0.935,000 100,000 0.92

10,000 2,500 1.0010,000 5,000 1.0010,000 10,000 1.0010,000 15,000 0.9910,000 20,000 0.9810,000 25,000 0.9710,000 35,000 0.9610,000 50,000 0.9510,000 75,000 0.9410,000 100,000 0.9315,000 2,500 1.0015,000 5,000 1.0015,000 10,000 1.0015,000 15,000 1.0015,000 20,000 0.9915,000 25,000 0.9815,000 35,000 0.9715,000 50,000 0.9615,000 75,000 0.9515,000 100,000 0.94

Ice_Dam_Ded_Per-Bldg

Ice_Dam_Ded_Per_Bldg1 MD 5/2015

20,000 2,500 1.0020,000 5,000 1.0020,000 10,000 1.0020,000 15,000 1.0020,000 20,000 1.0020,000 25,000 0.9920,000 35,000 0.9820,000 50,000 0.9720,000 75,000 0.9620,000 100,000 0.9525,000 2,500 1.0025,000 5,000 1.0025,000 10,000 1.0025,000 15,000 1.0025,000 20,000 1.0025,000 25,000 1.0025,000 35,000 0.9925,000 50,000 0.9825,000 75,000 0.9725,000 100,000 0.9650,000 2,500 1.0050,000 5,000 1.0050,000 10,000 1.0050,000 15,000 1.0050,000 20,000 1.0050,000 25,000 1.0050,000 35,000 1.0050,000 50,000 1.0050,000 75,000 0.9950,000 100,000 0.9875,000 2,500 1.0075,000 5,000 1.0075,000 10,000 1.0075,000 15,000 1.0075,000 20,000 1.0075,000 25,000 1.0075,000 35,000 1.0075,000 50,000 1.0075,000 75,000 1.0075,000 100,000 0.99

100,000 2,500 1.00100,000 5,000 1.00100,000 10,000 1.00100,000 15,000 1.00100,000 20,000 1.00100,000 25,000 1.00100,000 35,000 1.00100,000 50,000 1.00100,000 75,000 1.00100,000 100,000 1.00

Ice_Dam_Ded_Per_Bldg2 5/2015

Ice_Dam_Ded- Per Unit

Ice Dam Deductible

All Perils Ded Ice Dam Ded Factor1000 1000 1.0001000 2500 0.9801000 5000 0.9601000 7500 0.9401000 10000 0.9202500 1000 1.0002500 2500 1.0002500 5000 0.9802500 7500 0.9602500 10000 0.9405000 1000 1.0005000 2500 1.0005000 5000 1.0005000 7500 0.9805000 10000 0.960

10000 1000 1.00010000 2500 1.00010000 5000 1.00010000 7500 1.00010000 10000 1.00015000 1000 1.00015000 2500 1.00015000 5000 1.00015000 7500 1.00015000 10000 1.00020000 1000 1.00020000 2500 1.00020000 5000 1.00020000 7500 1.00020000 10000 1.00025000 1000 1.00025000 2500 1.00025000 5000 1.00025000 7500 1.00025000 10000 1.00050000 1000 1.00050000 2500 1.00050000 5000 1.00050000 7500 1.00050000 10000 1.00075000 1000 1.00075000 2500 1.00075000 5000 1.00075000 7500 1.00075000 10000 1.000100000 1000 1.000100000 2500 1.000100000 5000 1.000100000 7500 1.000100000 10000 1.000

Ice_Dam_Ded 1 MD 6/2014

Lead_MD

Lead MD

Lead Code Factor5-Prior 1979 156-After 1978 0

8-Reject 0

Lead_MD 1 MD 6/2014

Liab_Base_Rates

Liability Base Rates

Territory Rate Per Unit Charge1 0.078 592 0.078 594 0.101 785 0.072 55

Liab_Base_Rates 1 MD 6/2014

Liab_ILF_Factor

Liability Increased Limit

Occurrence Limit Prod Agg Gen Aggregate Factor300000 600000 600000 1.000500000 1000000 1000000 1.1131000000 2000000 2000000 1.2162000000 4000000 4000000 1.392

Liab_ILF_Factor 1 MD 6/2014

Liquor_ILF_Factor

Liquor Liability Increased Limit

Liquor Liab Limit Liquor Liab Agg Limit Factor300000 600000 1.000500000 1000000 1.1131000000 2000000 1.2162000000 4000000 1.392

Liquor_ILF_Factor 1 MD 6/2014

Liquor_Liab_Rate

Liquor Liability Rate

Selected RateN 0.00Y 3.20

Liquor_Liab_Rate 1 MD 6/2014

Loss_Payment_Options

Loss Payment Options

Loss Payment Options FactorACV 1.000

Ext Replace 1.050Ext Restoration 1.050

Gte Replace 1.060Gte Restoration 1.060Replacement 0.970

Loss_Payment_Options 1 MD 6/2014

Low_Temp_Freeze_Alarm

Low Temp Freeze Alarm Credit


Low_Temp_Freeze_Alarm 1 MD 6/2014

Med_Expense_ILF_Factor

Medical Expense Increased Limit

Limit Per Person Factor5000 110000 1.0225000 1.06

Med_Expense_ILF_Factor 1 MD 6/2014

Num_of_Stories_Factor

Number of Stories

Construction Number of Stories FactorF 1 1.000F 2 1.000F 3 1.100F 4 1.150F 9999999999 1.200

JM 1 1.000JM 2 1.000JM 3 1.050JM 4 1.100JM 9999999999 1.150

MNC 1 1.000MNC 2 1.000MNC 3 1.000MNC 4 1.000MNC 9999999999 1.000MV 1 1.000MV 2 1.000MV 3 1.100MV 4 1.150MV 9999999999 1.200NC 1 1.000NC 2 1.000NC 3 1.000NC 4 1.000NC 9999999999 1.000R 1 1.000R 2 1.000R 3 1.000R 4 1.000R 9999999999 1.000

Num_of_Stories_Factor 1 MD 6/2014

OOL_Age_Of_Bldg_Factor

Ordinance Or Law Age of Building

Basic and Excess factors apply to coverage 2,3, & 2/3.

Age Cov 1 Factor Basic Factor Excess Factor5 0.050 0.050 0.01010 0.050 0.050 0.01015 0.100 0.100 0.02020 0.150 0.150 0.03025 0.200 0.200 0.04030 0.250 0.250 0.05035 0.250 0.250 0.05040 0.300 0.300 0.06045 0.300 0.300 0.06050 0.300 0.300 0.06075 0.350 0.350 0.070

100 0.450 0.450 0.09099999 0.600 0.600 0.120

OOL_Age_Of_Bldg_Factor 1 MD 6/2014

OOL_Blanket_2_3_Factor

Ordinance Or Law Blanket


Limit Factor9999999999 0.95

OOL_Blanket_2_3_Factor 1 MD 6/2014

OOL_Business_Income

Ordinance Or Law BI

Earthquake Ind FactorN 0.020Y 0.100

OOL_Business_Income 1 MD 6/2014

OOL_Cov1_Factor

Ordinance Or Law Coverage 1


OOL_Cov1_Factor 1 MD 6/2014

Outdoor_Signs

Outdoor Signs


Limit Rate9999999999 1.80

Outdoor_Signs 1 MD 6/2014

Piers

Piers


Piers 1 MD 6/2014

Pond_Lake_Ocean_Frontage

Pond Lake Ocean Frontage


Pond_Lake_Ocean_Frontage 1 MD 6/2014

Power_Generation

Power Generation


Power_Generation 1 MD 6/2014

Primary_Class_Factor

Primary Class

Policy Type Class Property Factor Residential Liab Non‐Residential Liab apartment Affordable 1.020 1.020 0.000apartment Apartment 0.950 0.950 0.000apartment Club House 2.000 0.000 2.000apartment Cooperative 0.740 0.740 0.000apartment Dwelling 1-4 1.330 1.330 0.000apartment Dwelling 5+ 1.510 1.510 0.000apartment Mercantile 1.562 0.000 1.260apartment Office 0.500 0.000 0.404apartment Outbuilding 1.194 0.000 0.000apartment Parking Garage 0.250 0.000 0.250apartment Public 1.280 1.280 0.000apartment Rental Condos 0.900 0.900 0.000apartment Restaurant 2.564 0.000 2.564apartment Rowhouse 1.093 1.093 0.000apartment Senior 1.000 1.000 0.000apartment Student Apartment 1.280 1.280 0.000apartment Student Dwelling 1.410 1.410 0.000

condominium Club House 2.000 0.000 2.000condominium Mercantile 1.562 0.000 1.260condominium Office 0.500 0.000 0.404condominium Outbuilding 1.194 0.000 0.000condominium Parking Garage 0.250 0.000 0.250condominium Primary Residential Assoc 0.630 0.630 0.000condominium Restaurant 2.564 0.000 2.564condominium Secondary Residential Assoc 1.030 1.030 0.000condominium Timeshare Association 1.290 1.290 0.000

Primary_Class_Factor 1 MD 8/2015


Primary_Per_Occ_Loss_Factor

Primary Per Occurrence Loss

% of Value Factor1 0.3332 0.4343 0.4924 0.5345 0.5666 0.5937 0.6158 0.6349 0.651

10 0.66711 0.6812 0.69313 0.70514 0.71515 0.72516 0.73517 0.74318 0.75219 0.7620 0.76721 0.77422 0.78123 0.78724 0.79325 0.79926 0.80527 0.8128 0.81629 0.82130 0.82631 0.8332 0.83533 0.8434 0.84435 0.84836 0.85237 0.85638 0.8639 0.86440 0.86741 0.87142 0.87443 0.87844 0.88145 0.88446 0.88847 0.89148 0.89449 0.89750 0.951 0.90352 0.90553 0.90854 0.91155 0.913

Primary_Per_Occ_Loss_Factor 1 MD 6/2014

Primary_Per_Occ_Loss_Factor

56 0.91657 0.91958 0.92159 0.92460 0.92661 0.92862 0.93163 0.93364 0.93565 0.93866 0.9467 0.94268 0.94469 0.94670 0.94871 0.9572 0.95273 0.95474 0.95675 0.95876 0.9677 0.96278 0.96479 0.96680 0.96881 0.96982 0.97183 0.97384 0.97585 0.97686 0.97887 0.9888 0.98189 0.98390 0.98591 0.98692 0.98893 0.98994 0.99195 0.99396 0.99497 0.99698 0.99799 0.999100 1

Primary_Per_Occ_Loss_Factor 2 MD 6/2014

Protection_Class_Factor

Protection Class

Protection Class Factor1 1.00010 1.4002 1.0003 1.0004 1.0005 1.0006 1.1007 1.1008 1.100

8B 1.1009 1.400

Protection_Class_Factor 1 MD 6/2014

Res_Units_Per_Bldg

Residential Units Per Building

For # units not listed use next highest # units.

Units Per Bldg Factor0 1.0001 1.0002 1.2273 1.3644 1.4586 1.5638 1.66410 1.74115 1.84620 1.95530 2.066

9999999999 2.178

Res_Units_Per_Bldg 1 MD 6/2014

Secondary_Class_Factor

Secondary Class

Class Property Factor Liability FactorMercantile 1.562 1.26

Office .5 .404Parking Garage 0.250 0.250

Restaurant 2.564 2.564

Secondary_Class_Factor 1 MD 6/2014

Sewage_Ejector_Pumps

Sewage Ejector Pumps


Sewage_Ejector_Pumps 1 MD 6/2014

Spoilage

Spoilage

Class Refrig Maintenance Coverage Rate1 N Breakdown 1.411 N BreakdownPowerOutage 1.821 N PowerOutage 0.621 Y Breakdown 1.021 Y BreakdownPowerOutage 1.411 Y PowerOutage 0.622 N Breakdown 1.622 N BreakdownPowerOutage 2.032 N PowerOutage 0.662 Y Breakdown 1.232 Y BreakdownPowerOutage 1.622 Y PowerOutage 0.663 N Breakdown 2.123 N BreakdownPowerOutage 2.553 N PowerOutage 0.743 Y Breakdown 1.413 Y BreakdownPowerOutage 1.863 Y PowerOutage 0.74

Spoilage 1 MD 6/2014

Sprinkler_Device_Credit

Sprinkler Device Credit

Factor0.7501.000

Sprinkler Code 10013 NonePartial 1.000

Sprinkler_Device_Credit 1 MD 6/2014

Sprinkler_EQ_Extension

Sprinkler Leakage ‐ EQ Extension

EQ Territory EQ Bldg Class Bldg Rate BPP Rate11 1C 0.001 0.00111 1D 0.001 0.00111 3A 0.001 0.00111 4B 0.001 0.00111 5A 0.001 0.00211 5B 0.002 0.002

Sprinkler_EQ_Extension 1 MD 6/2014

Stovetop_Fire_Suppression

Stovetop Fire Suppression Credit


Stovetop_Fire_Suppression 1 MD 6/2014

Swimming_Pool

Swimming Pool


Swimming_Pool 1 MD 6/2014

Tenant_Emergency_Assistance

Tenant Emergency Assistance

Rate is per unit

Selected RateN 0.00Y 5.00

Tenant_Emergency_Assistance 1 MD 6/2014

Tenant_Vandalism_Deductible

Tenant Vandalism Deductible

Deductible Factor2500 0.995000 0.98

Tenant_Vandalism_Deductible 1 MD 6/2014

City County TerritoryAdelphi Prince Georges 2Arbutus Baltimore 5Aspen Hill Montgomery 2Baltimore Anne Arundel 5Baltimore Baltimore 5Baltimore City Baltimore City 4Berwyn Heights Prince Georges 2Bethesda Montgomery 2Bladensburg Prince Georges 2Brentwood Prince Georges 2Brooklandville Baltimore 2Brooklyn Anne Arundel 5Brooklyn Park Anne Arundel 5Cabin John Montgomery 2Camp Springs Prince Georges 2Capitol Heights Prince Georges 2Catonsville Baltimore 5Cheverly Prince Georges 2Chevy Chase Montgomery 2Chillum Prince Georges 2Colesville Montgomery 2College Park Prince Georges 2Colmar Manor Prince Georges 2Curtis Bay Anne Arundel 5Daniels Howard 5District Heights Prince Georges 2Dundalk Baltimore 5Elkridge Howard 5Ellicott City Howard 5Essex Baltimore 5Eudowood Baltimore 5Fairmont Heights Prince Georges 2Forest Heights Prince Georges 2Forestville Prince Georges 2Fort Howard Baltimore 5Fort Washington Prince Georges 2Garrett Park Montgomery 2Garrison Baltimore 5Glen Burnie Anne Arundel 5Glen Echo Montgomery 2Glenarden Prince Georges 2Gwynn Oak Baltimore 5Halethorpe Baltimore 5Hillcrest Hgts Prince Georges 2Hyattsville Prince Georges 2Ilchester Howard 5Kensington Montgomery 2Kettering Prince Georges 2Landover Prince Georges 2Landover Hills Prince Georges 2Langley Park Prince Georges 2Lansdowne Baltimore 5Largo Prince Georges 2Linthicum Anne Arundel 5Linthicum Heights Anne Arundel 5Loch Raven Baltimore 5Loch Raven Village Baltimore 5Lutherville Baltimore 5

Territory Definition

TERR 1 6/2014

Lutherville - Timonium Baltimore 5Marlow Heights Prince Georges 2Middle River Baltimore 5Mount Rainier Prince Georges 2New Carrollton Prince Georges 2North Brentwood Prince Georges 2Nottingham Baltimore 5Oella Howard 5Owings Mills Baltimore 5Oxon Hill Prince Georges 2Parkville Baltimore 5Perry Hall Baltimore 5Pikesville Baltimore 5Riderwood Baltimore 5Riverdale Prince Georges 2Rosedale Baltimore 5Ruxton Baltimore 5Seat Pleasant Prince Georges 2Silver Spring Montgomery 2Silver Spring Prince Georges 2Sparrows Point Baltimore 5Springdale Prince Georges 2Stevenson Baltimore 5Suitland Prince Georges 2Takoma Park Montgomery 2Takoma Park Prince Georges 2Temple Hills Prince Georges 2Timonium Baltimore 5Towson Baltimore 5University Park Prince Georges 2West Bethesda Montgomery 2West Hyattsville Prince Georges 2Wheaton Montgomery 2White Marsh Baltimore 5Windsor Mill Baltimore 5Woodlawn Baltimore 5

1Remainder of State

TERR 2 6/2014

Terrorism_Fact

Terrorism

Territory Number of Stories Rate1 15 0.0501 9999999999 0.1002 15 0.0002 9999999999 0.050

Terrorism_Fact 1 MD 6/2014

Total_Units

Total Units

For # units not listed use next highest # units.

Total Number of Units Factor14 1.05024 1.00039 0.96059 0.94099 0.920249 0.900

9999999999 0.880

Total_Units 1 MD 6/2014

Undeveloped_Land

Undeveloped Land

Liability Occur Limit Rate300000 1.60500000 2.001000000 2.202000000 2.50

Undeveloped_Land 1 MD 6/2014

Utility_Damage_Comm

Utility Damage Communication

Earthquake Included Public Utility Bldg Factor BBP FactorN N 0.157 0.204N Y 0.081 0.103Y N 0.190 0.237Y Y 0.097 0.119

Utility_Damage_Comm 1 MD 6/2014

Utility_Damage_OH_Comm

Utility Damage Overhead Communication

Earthquake Included Bldg Factor BBP FactorN 0.029 0.051Y 0.079 0.101

Utility_Damage_OH_Comm 1 MD 6/2014

Utility_Damage_OH_Pow

Utility Damage Overhead Power

Earthquake Included Bldg Factor BBP FactorN 0.029 0.051Y 0.079 0.101

Utility_Damage_OH_Pow 1 MD 6/2014

Utility_Damage_Power

Utility Damage Power


Utility_Damage_Power 1 MD 6/2014

Utility_Damage_Water

Utility Damage Water


Utility_Damage_Water 1 MD 6/2014

Utility_Time_Comm

Utility Time Element Communication

Earthquake Included Public Utility FactorN N 0.335N Y 0.172Y N 0.462Y Y 0.254

Utility_Time_Comm 1 MD 6/2014

Utility_Time_Overhead_Comm

Utility Time Element Overhead Comm

Earthquake Included FactorN 0.134Y 0.216

Utility_Time_Overhead_Comm 1 MD 6/2014

Utility_Time_Overhead_Power

Utility Time Element Overhead Power

Earthquake Included FactorN 0.134Y 0.216

Utility_Time_Overhead_Power 1 MD 6/2014

Utility_Time_Power

Utility Time Element Power


Utility_Time_Power 1 MD 6/2014

Utility_Time_Water

Utility Time Element Water


Utility_Time_Water 1 MD 6/2014

Vacancy_Permit

Vacancy Permit


Vacancy_Permit 1 MD 6/2014

Waste_Water_Treatment

Waste Water Treatment


Waste_Water_Treatment 1 MD 6/2014

Water_Backup_BI

Water Backup BI

Limit Rate5000 410000 620000 1050000 20100000 24

Water_Backup_BI 1 MD 6/2014

Water_Backup_Sump

Water Backup

Limit Rate5000 4010000 6020000 10050000 196100000 240250000 468500000 7301000000 1139

Water_Backup_Sump 1 MD 6/2014

All Perils Deductible Water Damage per Building Deductible Water Damage per Building Factor1,000 2,500 0.971,000 5,000 0.941,000 10,000 0.911,000 15,000 0.871,000 20,000 0.851,000 25,000 0.821,000 35,000 0.791,000 50,000 0.761,000 75,000 0.741,000 100,000 0.712,500 2,500 1.002,500 5,000 0.982,500 10,000 0.952,500 15,000 0.912,500 20,000 0.882,500 25,000 0.862,500 35,000 0.832,500 50,000 0.802,500 75,000 0.772,500 100,000 0.755,000 2,500 1.005,000 5,000 1.005,000 10,000 0.975,000 15,000 0.935,000 20,000 0.905,000 25,000 0.875,000 35,000 0.855,000 50,000 0.825,000 75,000 0.795,000 100,000 0.76

10,000 2,500 1.0010,000 5,000 1.0010,000 10,000 1.0010,000 15,000 0.9710,000 20,000 0.9410,000 25,000 0.9110,000 35,000 0.8810,000 50,000 0.8610,000 75,000 0.8310,000 100,000 0.8015,000 2,500 1.0015,000 5,000 1.0015,000 10,000 1.0015,000 15,000 1.0015,000 20,000 0.9715,000 25,000 0.9415,000 35,000 0.9115,000 50,000 0.8815,000 75,000 0.8615,000 100,000 0.83

Water_Dam_Ded_Per_Bldg

Water_Dam_Ded_Per_Bldg15/2015

20,000 2,500 1.0020,000 5,000 1.0020,000 10,000 1.0020,000 15,000 1.0020,000 20,000 1.0020,000 25,000 0.9720,000 35,000 0.9420,000 50,000 0.9120,000 75,000 0.8820,000 100,000 0.8625,000 2,500 1.0025,000 5,000 1.0025,000 10,000 1.0025,000 15,000 1.0025,000 20,000 1.0025,000 25,000 1.0025,000 35,000 0.9725,000 50,000 0.9425,000 75,000 0.9125,000 100,000 0.8850,000 2,500 1.0050,000 5,000 1.0050,000 10,000 1.0050,000 15,000 1.0050,000 20,000 1.0050,000 25,000 1.0050,000 35,000 1.0050,000 50,000 1.0050,000 75,000 0.9750,000 100,000 0.9475,000 2,500 1.0075,000 5,000 1.0075,000 10,000 1.0075,000 15,000 1.0075,000 20,000 1.0075,000 25,000 1.0075,000 35,000 1.0075,000 50,000 1.0075,000 75,000 1.0075,000 100,000 0.97

100,000 2,500 1.00100,000 5,000 1.00100,000 10,000 1.00100,000 15,000 1.00100,000 20,000 1.00100,000 25,000 1.00100,000 35,000 1.00100,000 50,000 1.00100,000 75,000 1.00100,000 100,000 1.00

Water_Dam_Ded_Per_Bldg25/2015

All PerilsDeductible

Water Damage per Unit

Deductible

Water Damageper UnitFactors

1,000 1,000 0.991,000 2,500 0.941,000 5,000 0.901,000 7,500 0.881,000 10,000 0.871,000 15,000 0.831,000 20,000 0.811,000 25,000 0.782,500 1,000 1.002,500 2,500 0.992,500 5,000 0.942,500 7,500 0.932,500 10,000 0.912,500 15,000 0.872,500 20,000 0.842,500 25,000 0.825,000 1,000 1.005,000 2,500 1.005,000 5,000 0.995,000 7,500 0.965,000 10,000 0.935,000 15,000 0.895,000 20,000 0.865,000 25,000 0.8310,000 1,000 1.0010,000 2,500 1.0010,000 5,000 1.0010,000 7,500 1.0010,000 10,000 0.9910,000 15,000 0.9310,000 20,000 0.9010,000 25,000 0.8715,000 1,000 1.0015,000 2,500 1.0015,000 5,000 1.0015,000 7,500 1.0015,000 10,000 1.0015,000 15,000 0.9915,000 20,000 0.9315,000 25,000 0.9020,000 1,000 1.0020,000 2,500 1.0020,000 5,000 1.0020,000 7,500 1.0020,000 10,000 1.0020,000 15,000 1.0020,000 20,000 0.9920,000 25,000 0.9325,000 1,000 1.00

Water_Dam_Ded_Per_Unit

Water_Dam_Ded_Per-Unit1 5/2015

25,000 2,500 1.0025,000 5,000 1.0025,000 7,500 1.0025,000 10,000 1.0025,000 15,000 1.0025,000 20,000 1.0025,000 25,000 0.9950,000 1,000 1.0050,000 2,500 1.0050,000 5,000 1.0050,000 7,500 1.0050,000 10,000 1.0050,000 15,000 1.0050,000 20,000 1.0050,000 25,000 1.0075,000 1,000 1.0075,000 2,500 1.0075,000 5,000 1.0075,000 7,500 1.0075,000 10,000 1.0075,000 15,000 1.0075,000 20,000 1.0075,000 25,000 1.00

100,000 1,000 1.00100,000 2,500 1.00100,000 5,000 1.00100,000 7,500 1.00100,000 10,000 1.00100,000 15,000 1.00100,000 20,000 1.00100,000 25,000 1.00

Water_Dam_Ded_Per-Unit2 5/2015

Water_Heater_Ded

Water Heater Deductible

All Perils Ded Water Heater Ded Factor1000 10000 0.9501000 15000 0.9201000 20000 0.9001000 25000 0.8801000 35000 0.8601000 50000 0.8402500 10000 0.9702500 15000 0.9402500 20000 0.9202500 25000 0.9002500 35000 0.8802500 50000 0.8605000 10000 0.9805000 15000 0.9505000 20000 0.9305000 25000 0.9105000 35000 0.8905000 50000 0.87010000 10000 1.00010000 15000 0.98010000 20000 0.96010000 25000 0.94010000 35000 0.92010000 50000 0.90015000 10000 1.00015000 15000 1.00015000 20000 .98015000 25000 .96015000 35000 .94015000 50000 .92020000 10000 1.00020000 15000 1.00020000 20000 1.00020000 25000 .98020000 35000 .96020000 50000 .94025000 10000 1.00025000 15000 1.00025000 20000 1.00025000 25000 1.00025000 35000 .98025000 50000 .96050000 10000 1.00050000 15000 1.00050000 20000 1.000

Water_Heater_Ded 1 MD 6/2014

Water_Heater_Ded

50000 25000 1.00050000 35000 1.00050000 50000 1.00075000 10000 1.00075000 15000 1.00075000 20000 1.00075000 25000 1.00075000 35000 1.00075000 50000 1.000100000 10000 1.000100000 15000 1.000100000 20000 1.000100000 25000 1.000100000 35000 1.000100000 50000 1.000

Water_Heater_Ded 2 MD 6/2014

Water_Retention_Run_Off

Water Retention Run Off Pond


Water_Retention_Run_Off 1 MD 6/2014

Wind_Driven_Rain

Wind Driven Rain

Selected FactorN 0Y .03

Wind_Driven_Rain 1 MD 6/2014

Wind_Excl_Fact

Wind Exclusion


Wind_Excl_Fact 1 MD 6/2014

Wind_Hail_Deductible

Wind Deductibles

Deductible Factor0 1.0001 0.9102 0.8805 0.850

1000 0.9902500 0.970

Wind_Hail_Deductible 1 MD 6/2014

Wind_Hail_Roof_Surfacing

Wind Hail Roof Surfacing ACV


Wind_Hail_Roof_Surfacing 1 MD 6/2014

ZIP CODE WIND ZONE20628 320674 320680 320684 320687 321626 321627 221634 321659 321672 321675 321801 321802 321803 321804 221810 321811 121813 121814 321817 221821 221822 221824 221826 221829 121830 321836 221837 321838 321840 321841 121842 121843 121849 221850 221851 221852 221853 221856 321857 221861 321862 121863 121864 121865 321866 121867 221869 321871 221872 221874 221875 321890 2

ALL OTHER ZIP CODES

0

WIND_ZONE_BY_ZIP

ZONE BY ZIP 1 6/2014

Wind_Zone_Factors

Wind Zone

Coastal Indicator Wind Zone Construction FactorN 0 F 1.000N 0 JM 1.000N 0 MNC 1.000N 0 MV 1.000N 0 NC 1.000N 0 R 1.000N 1 F 1.880N 1 JM 1.750N 1 MNC 1.500N 1 MV 1.880N 1 NC 1.500N 1 R 1.500N 2 F 1.340N 2 JM 1.300N 2 MNC 1.210N 2 MV 1.340N 2 NC 1.210N 2 R 1.210N 3 F 1.220N 3 JM 1.200N 3 MNC 1.140N 3 MV 1.220N 3 NC 1.140N 3 R 1.140Y 0 F 1.490Y 0 JM 1.430Y 0 MNC 1.310Y 0 MV 1.490Y 0 NC 1.310Y 0 R 1.310Y 1 F 2.660Y 1 JM 2.430Y 1 MNC 1.960Y 1 MV 2.660Y 1 NC 1.960Y 1 R 1.960Y 2 F 1.900Y 2 JM 1.780Y 2 MNC 1.540Y 2 MV 1.900Y 2 NC 1.540Y 2 R 1.540Y 3 F 1.730Y 3 JM 1.630Y 3 MNC 1.440Y 3 MV 1.730Y 3 NC 1.440Y 3 R 1.440

Wind_Zone_Factors 1 MD 6/2014

Date post:	10-Mar-2020
Category:	Documents
Upload:	others
View:	3 times
Download:	0 times

Maryland WORLDS APART CAPsure Manual 12 2015 Water Ice ... · Rating Manual . Ed. 5/2015 & 8/2015...

Documents