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2015-2016 Reinsurance Program Completed
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2014-2015 Reinsurance Program Completed
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St. Johns Shield and St. Johns Shield+ are now available
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Personal Umbrella Liability Policy now available in Florida
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Claims

FAQs

Question:
Is food spoilage from power failure covered?

Answer:
If the power failure, caused by a covered peril, occurs on the insured's premises, then the food spoilage is covered.

Question:
Where provided, is Loss Assessment considered an additional coverage, to be paid over and above policy limits?

Answer:
Yes, but subject to the $1,000.00 limit – unless increased to $2,000, $3000 or $5,000, by endorsement.

Question:
Must there be direct damage to the unit for a policyholder to receive Loss Assessment payment under a Condominium Unit Owners policy?

Answer:
No. Up to $2,000.00 is covered toward the insured's share of a loss caused by a covered loss that causes direct damage to the property owned by all members collectively.

Question:
Are expenses incurred by the insured for temporary repairs paid as an additional coverage in excess of policy limits thereby increasing the limits of the policy?

Answer:
No. The payment of Reasonable Repairs to protect the covered property from further damage is covered, but this payment does not increase the policy limits which apply to the covered property.

Question:
Is wind driven rain covered on all Homeowners Policies?

Answer:
Under the Homeowners policies, damages cause by wind driven rain are covered under Cov A and Cov B. Under a Condominium Unit Owners policy with a HO 1732 endorsement, damages caused by wind driven rain are covered under Cov A. All other policies being named peril have no coverage for damages caused by wind driven rain. Cov C is named peril in all the forms and thus provides no coverage for wind driven rain unless the direct force of wind or hail damages the building causing an opening in a roof or wall and the rain enters through this opening.

Question:
On those policies providing wind coverage, are contents damage caused by wind driven rain covered?

Answer:
No, not without an opening in the roof or walls caused by the direct force of the wind would the resultant interior damages be covered.

Question:
Is there a time limit for filing a supplemental payment request for depreciation recovery?

Answer:
Yes. 180 days, but this time period can be extended by the company.

Question:
If the insured property is the policyholder's secondary residence and not held for rent, does the policyholder have the option of Additional Living Expenses or Fair Rental Value?

Answer:
The policyholder is entitled to Additional Living Expenses only and the covered expenses should be limited to a reasonable amount in order to allow the insured to travel to check on the damaged property and/or the repairs of the property. Also covered would be consideration for planned and scheduled vacation.

Question:
On a Condominium Unit Owners policy, must there be direct damage to the insured unit for payment of an Additional Living Expense or Full Rental Value claim?

Answer:
No. The building in which the unit is located can have damage caused by a covered peril which makes the insured unit untenable and thus the insured would be eligible to loss of use. In contrast, under the Homeowners policy, the unit (residence premises) must sustain actual damage.

Question:
Is there civil authority coverage on all Homeowners forms?

Answer:
Yes, as a loss of use coverage. But the civil authority must prohibit you from use as a result of direct damages caused by a covered peril, and there is a limit of no more than 2 weeks.

Question:
Can the cost of a portable generator be paid under the Additional Living Expense coverage?

Answer:
Yes, if the cost of the generator is less than the amount the Additional Living Expense, it would be. However, the cost should be handled on a 50% buyback with the generator retained by the insured.

Question:
Are boat houses and docks covered under Cov B as Other Structures?

Answer:
Yes. Boat houses and/or docks are covered under Cov B. However, it is important for the adjuster to determine and document that the damages were caused by a covered peril (i.e. wind vs. flood).

Question:
Are fences covered for Actual Cash Value or Replacement Cost?

Answer:
On Homeowners policies, fences are always paid at Actual Cash Value. Fences are structures that are not buildings and thus are not eligible for Replacement Cost coverage.

Question:
Are outdoor antennas, satellites, carpeting, outdoor equipment, and household appliances covered for Actual Cash Value or Replacement Cost?

Answer:
On Homeowners policies, payment is made at Actual Cash Value. However, endorsement HO 490 allows payment at Replacement Cost, but subject to the loss settlement provisions of the endorsement.

Question:
Are motor boats, trailers, and boat parts covered?

Answer:
On the Homeowners policies under Cov C, there is coverage for these items with a single limit of $1,000.00 on watercraft, including their trailers, furnishings, equipment, and motors.

Question:
Are utility trailers covered?

Answer:
On the Homeowners policies under Cov C, there is coverage for utility trailers not used for watercraft, subject to a $1,000.00 limit.

Question:
Is business equipment located or stored at the insured residence covered?

Answer:
On the Homeowners policies under Cov C, there is coverage with a limit of $2,500.00, if the equipment is on the insured property and $250.00, if the equipment is located off premises.

Question:
On a Condominium Unit Owners policy, are curtains paid under Cov A or Cov C?

Answer:
If the curtains are custom made and intended to stay with the unit, then they would be part of the dwelling and are covered under Cov A.

Question:
Can payment be made for tree removal if the tree does not fall on any covered property?

Answer:
Yes, if it does not damage a covered structure, but it blocks a driveway on the "residence premises" which prevents a "motor vehicle", that is registered for use on public roads or property, from entering or leaving the "residence premises", or it blocks a ramp or other fixture designed to assist a handicapped person to enter or leave the dwelling building. The $500.00 limit is the most that will be paid in any one loss regardless of the number of fallen trees. This coverage is additional insurance.

Question:
Is there coverage for the removal of a tree which is leaning so badly that it may fall on the covered structure even though it has not caused any damage?

Answer:
No. There must be damage to a covered property, caused by a covered peril, in order for the removal of the tree to be covered and then the removal is subject to a $500.00 limit for any one loss.

Question:
Is there coverage for the cleaning of wind blown debris out of a covered pool structure?

Answer:
If wind coverage is afforded under the policy, the cleaning of the pool is covered because the debris (whether it is covered or non-covered debris) is considered actual damage to the covered property and the cleaning process is considered to be repairs to the damaged property.

Question:
Is debris produced from repairs of covered property (i.e. removed shingles, sheetrock, etc.) limited to the $500.00 debris removal clause?

Answer:
No. If there is a covered loss, the Homeowners policy covers reasonable expenses to remove the debris of covered property. The Homeowners policy provides an additional 5% of the limit of liability if the actual damage and debris removal is more than the limit of liability.