MPIUA Filing

COMMONWEALTH OF MASSACHUSETTS
Office of Consumer Affairs and Business Regulation

DIVISION OF INSURANCE
1000 Washington Street • Suite 810 • Boston, MA 02118-6200
(617) 521-7794 • FAX (617) 521-7475
http://www.mass.gov/doi
CHARLES D. BAKER JAY ASH

GOVERNOR SECRETARY OF HOUSING AND
ECONOMIC DEVELOPMENT
KARYN E. POLITO JOHN C. CHAPMAN

LIEUTENANT GOVERNOR UNDERSECRETARY
GARY D. ANDERSON
COMMISSIONER OF INSURANCE
NOTICE OF HEARING
Docket No. R2017-02
Massachusetts Property Insurance Underwriting Association
(“FAIR Plan”) Filing for Named Storm Deductible Forms and Rules
Pursuant to M. G. L. c. 175C, §5, a hearing will be take place at 10:00 a.m. on

February 23, 2018, in Hearing Room1-E at the offices of the Division of Insurance
(“Division”), 1000 Washington Street, Boston, MA, to consider whether the Commissioner
of Insurance should approve a filing for Named Storm Deductible Forms and Rules to be
applied to Homeowners Multi-peril and Dwelling Fire and Extended Coverage policies
issued through the Massachusetts Property Insurance Underwriting Association
(“MPIUA”), also known as the FAIR Plan. The MPIUA has submitted a filing that
includes a rate analysis, rules and form provisions for the proposed Named Storm
Deductible. The filing does not specify an effective date. The MPIUA filing may be
examined at the Division’s offices during normal business hours.
The hearing shall be conducted in accordance with the provisions of Massachusetts
General Laws, c. 174A, c. 175A, c. 175C, and c. 30A; and 211 CMR 101.00, et seq. Any
person who wishes to make an oral statement on February 23, 2018 is asked to submit a
Notice of Intent to Make a Statement on or before February 21, 2018. Notices of Intent
may be sent to the Docket Clerk, Massachusetts Division of Insurance, at the address
shown below or by electronic mail to Doidocket.Mailbox@state.ma.us. All other persons
will be heard after those who submit such notice.
Any person, other than the State Rating Bureau or a statutory intervenor, who
wishes to appear and present testimony in this matter may file a written petition for leave
to intervene or to participate, which includes any data that the petitioner intends to
introduce at the hearing, no more than four business days after publication of this hearing
notice, and must serve the petition on the MPIUA, the State Rating Bureau and any
statutory intervenor that appeared in the most recent hearing on MPIUA rates. The
MPIUA, the State Rating Bureau and any statutory intervenor who has filed a notice of
appearance shall file any response to the petitions to intervene or to participate within five
days after service of the petition.
The State Rating Bureau and any statutory intervenor shall promptly commence
discovery pursuant to 211 CMR 101.08 (2). A prehearing conference pursuant to 211
CMR 101.08 (1) will take place at the Division on February 23, 2018, immediately
following the conclusion of the public comment portion of the hearing. The conference
will address the topics listed in 211 CMR 101.08 (1) and scheduling matters. All parties,
including those who have been given permission to intervene or to participate, must attend.
All submissions shall reference Docket No. R2017-02 and shall be addressed to the
Docket Clerk, Hearings and Appeals, Division of Insurance, 1000 Washington Street, Suite
810, Boston, MA 02118-6200.
Dated: January 24, 2018 _________________________

Gary D. Anderson
Commissioner of Insurance
Re: Application of the Massachusetts I

Property Insurance Underwriting )
Association for Approval of a ) D.O. I. R2017-
General Rate Revision Effective I
General Rate Revision Effective )
____________________________ I
NAMED STORM DEDUCTIBLE FORMS AND

RULES FILING BY THE MASSACHUSETTS
PROPERTY INSURANCE UNDERWRITING
ASSOCIATION PURSUANT TO THE
PROVISIONS OF
G.L. C. 174A, C. 175A, C. 175C, AND
211 C.M.R. 101.00
December 19, 2017

MASSACHUSETTS PROPERTY INSURANCE
UNDERWRITING ASSOCIATION
Two Center Plaza

Boston. Massa c husetts 021 08-1904
(61 7)723-3800 (800)851-8978
December 19, 2017
Hon. Gary D. Anderson

Commissioner o f Insur ance
Massac h usetts Division o finsurance
1000 Wa s hington Street
Boston , Massachusetts 02118 - 6200
Re: MPIUA Named Storm Deductib l e Filing
Dear Commissioner Ander so n:
Pursuant to the provisions of G.L. c . 174A , c . 175A,

c . 175C, a n d 211 C . M. R. 101 . 00 , I enclose te n (10) copies
of the following document for fili n g with the Massachusetts
Division of Insurance :
(1) Named Storm Dedu ctible Filing by the

Massach usetts Property Insurance Underwriting
Association.
The MPIUA is a l so s i multaneous l y filing electron i c

copies o f t hi s filing through SERFF for both homeowners
coverage a nd dwelling fire and extendedcoverage.
No forma l hea ri ng proceedings are necessary or

appropriate in this case , because this filing on ly seeks a
minor modif i cation to e xisting MPIUA manuals , pursuant to
2 1 1 CMR 1 01.02 , defi nition of proceedings, second se n ten ce ,
which provides that no formal proceeding is necessary wh en
an MPIUA filing only seeks a minor mod ifi cation to the
MPIUA ' s manuals .
Hon. Gary D. Anderson
Commissioner ofinsurance
December 19, 2017
Page 2
Please do not hesitate to write or call ifyou have

any questions whatsoever, or if I can be of any further
assistance to you in thismatter.
Very truly yours,
Underwriting Product and

Reinsurance Manager, MPIUA
cc(w/encl): Matthew Mancini, Esq.

Peter Leight, Esq.
Robert C. Tommasino, Esq.
Senior Vice President and General Counsel, MPIUA
Re: Application of the Massachusetts I

Property Insurance Underwriting I
Association for Approval of a I D.O.I. R2017-
General Rate Revision Effective I
General Rate Revision Effective )
_____________________ I
NAMED STORM DEDUCTIBLE FORMS AND

RULES FILING BY THE MASSACHUSETTS
PROPERTY INSURANCE UNDERWRITING
ASSOCIATION PURSUANT TO THE
PROVISIONS OF
G.L. C. 174A, C. 175A, C. 175C, AND
211 C.M.R. 101.00
December 19, 2017
001
TABLE OF CONTENTS
EXECUTIVE SUMMARY ............................................................................................................................. 003
INSURANCE SERVICES OFFICE, INC (ISO)
Homeowners Named Storm Deductible Factors Report........................................................ 006
Dwelling Property Named Storm Deductible Factors Report................................................ 046
MISCELLANEOUS EXHIBITS
Annotated Homeowners Manual Pages ................................................................................... 080
Final Homeowners Manual Pages.............................................................................................. 088
Annotated Dwelling Manual Pages ............................................................................................ 096
Final Dwelling Manual Pages...................................................................................................... 103
NAMED STORM DEDUCTIBLE ENDORSEMENTS (Homeowners & Dwelling)
Named Storm Percentage Deductible FP HNSP 0418 ........................................ 110

Named Storm Fixed-Dollar Deductible FP HNSF 04 18 ...................................... 111
Named Storm Percentage Deductible FP DNSP 04 18 ........................................ 112
Named Storm Fixed-Dollar Deductible FP DNSF 04 18 ....................................... 113
Annotated and Final Named Storm Coverage Limitation Endorsements ............................ 114
Annotated and Final Policy Holder Notices (Homeowners & Dwelling) .............................. 118
Sample Policy Declarations (Homeowners & Dwelling) ......................................................... 150
State Submission list (PFR-SSL0117) ......................................................................................... 155
Policy Endorsement List (PFR-PEL0117) .................................................................................... 157
Form Utilization List (PFR-FUL0717) .......................................................................................... 159
Certification of Compliance (SRB-CC ED. 01/16) ..................................................................... 163
Base Checklist for Property & Casualty Insurance (PFR-B-PAC Ed. 01/17) ......................... 165
002
NAMED STORM DEDUCTIBLE FILING BY THE MASSACHUSETTS PROPERTY
INSURANCE UNDERWRITING ASSOCIATION PURSUANT TO THE PROVISIONS
OF G.L. c. 174A, c. 175A, c. 175C, AND 211 C.M.R. 101.00
EXECUTIVE SUMMARY, INTRODUCTION AND OUTLINE OF CASE
The Massachusetts Property Insurance Underwriting
Association (hereafter, MPIUA or FAIR Plan) is pleased to
submit this named storm deductible filing 1 covering
deductibles for homeowners multi-peril and dwelling fire and
extended coverage, to the Massachusetts Division of Insurance
(DOI) pursuant to the relevant provisions of G.L. c. 174A, c.
175A, c. 175C, and 211 C.M.R. 101.00. This named storm
deductible filing replaces the current wind storm deductibles
and the pricing associated with those wind storm deductible
with named storm deductibles and associated named storm
deductible pricing.
I. NAME AND ADDRESS OF FILING PARTY.
The name, address, and telephone number of the filing
party is as follows:

2 Center Plaza
Boston, Massachusetts 02108
( 617) 723-3800
1
The lVJPIUA is simultaneously filing two filings with the DOI through SERFF
(for HOM and DWF) as required by O.O.I. Bulletins 2008-08 and 2008-19.
-1
003
II. OUTLINE OF FILING: EXPERT WITNESS.
The MPIUA's filing is supported by one expert, whose
report is briefly outlined below.
Paul Ericksen, FCAS. Mr. Ericksen is an actuary with ISO. Mr.
Ericksen has calculated the supporting exhibits for HOM and
DWF named storm deductibles pricing.
III. OUTLINE OF FILING: SIMILARITIES AND DISSIMILARITIES TO

PREVIOUS MPIUA PRESENTATIONS.
Replacing the current Windstorm or Hail Deductible with
this Named Storm Deductible filing will result in premium
increases averaging less than one percent (1%). These small
premium increases will be proportional to the increases in
exposure to the MPIUA resulting from the more limited scope of
the proposed deductible. Due to this direct relationship
between the premium increases and the increases in the expected
exposure, no effective rate increase is being proposed, as the
premium/exposure ratio is being held constant.
IV. OUTLINE OF FILING: RATE ELEMENTS.
Individual rate elements are displayed and/or calculated
in Paul Ericksen's internal exhibits. Mr. Ericksen's internal
exhibits are incorporated by reference into this Executive
Summary.
-2
004
V. CONCLUSION.
No formal hearing proceedings are necessary with respect
to this filing, because this filing only seeks a minor
modification to existing MPIUA manuals, pursuant to 211 CMR
101.02, definition of proceedings, second sentence, which
provides that no formal proceeding is necessary when an MPIUA
filing only seeks a minor modification to the MPIUA's manuals.
December 19, 2017
-3
005
MASSACHUSETTS
PROPERTY INSURANCE
HOMEOWNERS
NAMED STORM DEDUCTIBLE FACTORS
SUBMITTED BY
INSURANCE SERVICES OFFICE, INC.
ACTUARIAL CONSULTING SERVICE
545 WASHINGTON BOULEVARD
JERSEY CITY, NEW JERSEY07310-J686
NOVEMBER 15, 20/7
006
TABLE OF CONTENTS
I. INTRODUCTION
2. EXECUTIVE SUMMARY
3. EXPLANATION OF EXHIBITS
4. EXHIBITS
007
SECTION 1
INTRODUCTION
008
INTRODUCTION
BACKGROUND AND OBJECTIVES

The Massachusetts Property Insurance Underwriting Association (MPIUA) provides
Homeowners, Dwelling, and Commercial Property coverage to policyholders unable to
purchase insurance in the voluntary market.
For Homeowners (owners forms), the MPIUA currently issues policies that have the
following type of deductibles:
• Policies where the same all-peril deductible applies to property losses independent of
the cause of loss (including wind).
• Policies with separate wind and all other peril ("AOP") deductibles. In this case, a
separate (higher) deductible is applied to property losses that are caused by wind.
The MPIUA is proposing to replace its use of separate wind deductibles with separate named
storm deductibles. This change in deductibles will benefit the policyholder by providing
greater coverage for certain types of wind losses. In particular, under a named storm
deductible, a wind loss that did not result from a named storm will be subject to the lower
AOP deductible (instead of the higher named storm deductible). On the other hand, if the
policy had a separate wind deductible, then all wind losses would be subject to the higher
wind deductible. 1
The MPIUA has requested that Insurance Services Office, Inc. (ISO) prepare an analysis
showing the calculation of indicated named storm deductible factors.
The objective of this report is to calculate indicated named storm deductible factors for
Homeowners (owners forms).2
1 If a wind loss is caused by a named storm (e.g. hurricane or tropical storm), then the transition from a wind deductible to a
named storm deductible will not impact the amount of the applicable deductible or the resulting insured loss payment.
2 A separate report shows the calculation of indicated named storm deductible factors for Dwelling Property policies.
Section 1 -Page 1
009
INTRODUCTION
RELIANCES AND LIMITATIONS

Our analysis and the results contained herein are subject to the following reliances and
limitations:
I. This report was provided for the use of the MPIUA's management and employees as an
aid in their selection of named storm deductible factors. Our report may be submitted to
regulatory authorities as part of an MPIUA filing. It may be provided in its entirety to
other parties that are assisting the MPIUA with the filing process. If the report is
provided to a third party, then that party may only use it on behalf of the MPIUA or in
connection with the MPIUA filing. Any other use or disclosure must be agreed to in
writing by ISO. The actuary signing this report is available to answer questions about
the report.
2. As part of this analysis, we are not expressing any opinion regarding the overall
adequacy of the MPIUA's currently approved rate level. The indicated named storm
deductible factors were calculated to maintain the same level of rate adequacy as implied
by the currently approved rates for the MPIUA.
3. The future loss experience of the MPIU A may differ from the projected estimates
contained in this report. By their nature, insurance claims are subject to variability. The
ultimate liabilities depend on the outcome of future contingent events, the result of which
cannot be known in advance. This uncertainty is present in any actuarial projection.
4. In preparing our report, we have relied upon the premium, loss, and other data provided
to us by the MPIUA. We have neither audited nor verified the data. ISO does not assume
responsibility for any error or omission in the data or information provided to us. Any
material error in the data or other information could result in changes to the indications.
In such event, ISO cannot be responsible for any consequences resulting from its use of
incorrect information or data in deriving the indications. Although we have not audited
the underlying data, we have reviewed the historical information used in this report for
reasonability. We are not aware of any limitations or unresolved concerns that would
limit the use of the data in our analysis.
5. This analysis has used historical MPIUA premium and loss experience to project the
MPIUA's future experience. To the extent that future insureds of the MPIUA are
different from those underwritten in the past, these projections may differ from the actual
loss experience that ultimately occurs. For instance, a significant expansion/contraction
of the voluntary insurer market would impact the MPIUA's insured population. Such a
development has not been addressed in this study.
Section I -Page 2
010
SECTION 2
EXECUTIVE SUMMARY
011
EXECUTIVE SUMMARY
The key results of our named storm deductible analysis for Homeowners (owners forms) are
summarized below.
I. Indicated Named Storm Deductible Factors: In this report we calculate two sets of
indicated named storm deductible factors for the MPIUA's Homeowners (owners forms)
policies. The first set of deductible factors applies when the named storm deductible is
expressed as a percentage of the Coverage A limit. These percentage deductible factors
are shown in Exhibit 2, Page 8. The second set of deductible factors applies when the
named storm deductible is expressed as a fixed dollar amount. These dollar deductible
factors are shown in Exhibit 3, Page 8.
2. Increased Coverage Due to Named Storm Deductibles: Policyholders will benefit

from having greater coverage under the new named storm deductible (compared to
current wind deductibles ). Under a named storm deductible, a wind loss that did not
result from a named storm will be subject to the lower AOP deductible (instead of the
higher named storm deductible). On the other hand, under the current wind deductible,
all wind losses are subject to the higher wind deductible.
3. Premium Impact ofTrausitiouiug to Named Storm Deductibles: Based on policies

inforce on 12/31/2016, we estimate that transitioning from separate wind deductibles to
separate named storm deductibles will result in an overall premium increase of 0.8%.
Policyholders who currently have an all-peril deductible will not see any change to their
premium. Policyholders who currently have a wind deductible will see an average
premium increase of 0.9%. At the individual policy level, the smallest premium change
will be 0.0%, and the largest premium change is estimated to be 2.9% based on policies
inforce on 12/31/2016.
4. Rate Effect ofTransitioning to Named Storm Deductibles: Since the sole intent of the
premium increases discussed above in Item 3 is to offset for the increased coverage (and
increased expected losses) associated with named storm deductibles, we characterize this
filing as having a zero rate level effect. The new named storm deductible factors were
calculated to maintain the same level of rate adequacy as implied by the currently
approved rates for the MPIUA. No changes are being made to the MPIUA's base rates.
Premium increases are solely the result of replacing the existing wind deductible factors
with the proposed named storm deductible factors.
Supporting documentation, background information, and the details of our analysis can be found
in later sections of this report.
Section 2- Page 1
012
EXECUTIVE SUMMARY
I, Paul Ericksen, am a Principal in the Actuarial Consulting division ofiSO. I am responsible for
the content of this analysis. I am a Fellow of the Casualty Actuarial Society and a member of the
American Academy of Actuaries. I meet the Qualification Standards of the American Academy
of Actuaries to render the actuarial opinion contained in this report.
We are pleased to have conducted this analysis for the Massachusetts Property Insurance
Underwriting Association, and look forward to answering any questions you may have.
Paul Ericksen, FCAS, MAAA

Principal, Actuarial Consulting
201-469-2369
Section 2- Page 2
013
SECTION3
EXPLANATION OF EXHIBITS
014
TYPES OF DEDUCTIBLES
Throughout this analysis we refer to policies with four types of deductibles. The following
provides a brief description of these types of policies:
o Policies with an all-peril deductible where the same deductible applies to property
losses independent of the cause of loss.
o Policies with separate hurricane and all other peril ("AOP") deductibles. In this case,
a separate (higher) deductible is applied to property losses that are caused by wind
from a hurricane.
o Policies with separate named storm and AOP deductibles. In this case, a separate
(higher) deductible is applied to property losses that are caused by wind from a
named storm.
o Policies with separate wind and AOP deductibles. In this case, a separate (higher)
deductible is applied to property losses that are caused by wind.
For Homeowners (owners forms) policies in Massachusetts, ISO publishes deductible factors for
all-peril deductibles, hurricane deductibles, and wind deductibles (but not for named storm
deductibles). Currently, the MPIUA only offers policies with either an all-peril deductible or a
wind deductible.
OVERVIEW OF METHODOLOGY
The indicated named storm deductible factors for the MPIUA are calculated by interpolating
between its currently approved deductible factors for wind deductibles and for all-peril
deductibles. In other words, the indicated named storm deductible factors are equal to a
weighted-average of the MPIUA's current wind deductible factors and its current all-peril
deductible factors. The benefit of using this interpolation approach is that the indicated named
storm deductible factors will be consistent with the current deductible factors that are already
approved for the MPIUA.
The weights (which are used to calculate the weighted-average of the MPIUA's current wind and
all-peril deductible factors) are derived based on !SO's currently approved deductible factors
along with the MPIUA's historical experience for wind losses. In particular, the analysis
considers the MPIUA's historical wind loss experience for named storms. The details underlying
these calculations are shown in the attached exhibits.
Section 3- Page I
015
TEMPERING FACTOR USED TO CALCULATE INTERPOLATED

Although ISO doesn't publish named storm deductible factors for Homeowners in
Massachusetts, it does publish hurricane deductible factors and wind deductible factors. Since
named storm deductibles provide coverage that is broader than a wind deductible, but more
restrictive than a hurricane deductible, it follows that the magnitude of the named storm
deductible factors should fall between the corresponding wind deductible factors and hurricane
deductible factors.
Exhibit 1, Page 1 shows the calculation of a tempering factor that we use to calculate
interpolated values for the named storm deductible factors. In particular, we calculate implied
named storm deductible factors that are interpolated between !SO's wind deductible factors and
!SO's hurricane deductible factors.
Row (4) of Exhibit I, Page I shows the indicated tempering factor which is based on MPIUA's
historical wind loss experience. When calculating the tempering factor, we consider the
following three types of non-hurricane wind events: non-catastrophe losses, non-named storm
catastrophes (such as a winter storm), and named storm catastrophes (such as a tropical storm).
The indicated tempering factor reflects the relative contributions of these three types of non-
hurricane wind losses based on the MPIUA's historical experience. The tempering factor shown
in Row (4) implies that a named storm deductible factor should be located 88.0% of the way
between the corresponding wind deductible factor and the corresponding hurricane deductible
factor.
Pages 2 through 4 of Exhibit 1, show the calculation of the provision for different types of wind
losses. The results derived in these pages are used in the calculation of the indicated tempering
factor shown in Page I. Page 2 shows information for non named storm catastrophes (such as a
winter storm), Page 3 shows information for non-hurricane named storm catastrophes (such as a
tropical storm), and Page 4 shows information for non-catastrophes. The wind loss provisions
are expressed as a ratio of wind losses to average total insured value ("TIV"). For catastrophe
wind losses (shown in Pages 2 and 3), we rely on historical experience over a 17-year period.3
For non-catastrophe wind losses (shown in Page 4), we rely on historical experience over a 5-
year period.
3 Appendix A shows how historical loss experience for catastrophes was allocated between wind and non-wind causes of loss.
The results from Appendix A are referenced in Column (7) of Pages 2 and 3 of Exhibit l.
Section 3 - Page 2
016
INDICATED NAMED STORM PERCENTAGE DEDUCTIBLE FACTORS

In Exhibit 2 we calculate indicated named storm percentage deductible factors for the MPIUA. 4
The methodology involves two separate sets of interpolation calculations (as described below).
Exhibit 2, Page 1 shows !SO's current wind percentage deductible factors that are approved for
Homeowners (owners forms) in Massachusetts. Exhibit 2, Page 2 shows !SO's current
hurricane percentage deductible factors that are approved for Homeowners (owners forms) in
Massachusetts.
In Exhibit 2, Page 3 we calculate indicated named storm deductible factors that are interpolated
between !SO's wind deductible factors (shown in Page I) and !SO's hurricane deductible factors
(shown in Page 2). The interpolation calculations in Page 3 use the interpolation factor that was
derived in Exhibit I, Page 1, Row (4). Note that the deductible factors shown in Page 3 were
calculated by interpolating between currently approved ISO deductible factors. Since the
MPIUA isn't referencing the current deductible factors promulgated by ISO, it wouldn't be
appropriate for the MPIUA to use the deductible factors shown in Page 3 without making
additional adjustments. For example, !SO's current deductible factors reflect a base deductible of
$500, whereas the MPIUA's current deductible factors reflect a base deductible of $250. In
subsequent pages of this exhibit we convert the named storm deductibles from Page 3 so that
they will be consistent with the wind deductible factors and all-peril deductible factors that are
currently approved for the MPIUA.
Exhibit 2, Page 4 shows !SO's current all-peril deductible factors approved for Homeowners
(owners forms) in Massachusetts.
Exhibit 2, Page 5 shows the implied tempering factors that can be used to calculate indicated
named storm deductible factors by interpolating between wind deductible factors and all-peril
deductible factors.
Exhibit 2, Page 6 shows the MPIUA's currently approved wind percentage deductible factors.
Exhibit 2, Page 7 shows the MPIUA's currently approved all-peril deductible factors.
In Exhibit 2, Page 8 we calculate indicated named storm deductible factors for the MPIUA that
are interpolated between the MPIUA's wind deductible factors (shown in Page 6) and the
MPIUA's all-peril deductible factors (shown in Page 7). The interpolation calculations in Page 8
use the interpolation factors that were derived in Page 5. Page 8 shows the named storm
percentage deductible factors that the MPIUA is proposing to use.
4 Exhibit 3 shows similar information for named storm dollar deductibles. Exhibit 3 is set up similar to that of Exhibit 2.
Section 3- Page 3
017
Exhibit 2, Page 9 shows the percent increase in premium to convert from the MPIUA's current
wind percent deductible factors to the MPIUA's proposed named storm percent deductible
factors.
INDICATED NAMED STORM DOLLAR DEDUCTIBLE FACTORS

In Exhibit 3 we calculate indicated named storm dollar deductible factors for the MPIUA. Note
that the pages in Exhibit 3 are set up similar to that of Exhibit 2. Page 8 shows the named storm
dollar deductible factors that the MPIUA is proposing to use.
Section 3 - Page 4
018
SECTION4
EXHIBITS
019
MASSACHUSETTS PROPERTY INSURANCE Exhibit I
UNDERWRITING ASSOCIATION Page I
Tempering Factor Used to Calculate Interpolated Named Storm Deductible Factors

Homeowners- Owners Forms
(I) Ratio of non-catastrophe wind losses to TIV 0.0041%

(2) Ratio of non named storm catastrophe wind losses to TIV 0.0026%
(3) Ratio of named storm catastrophe wind losses to TIV 0.0009%
(4) Tempering Factor 0.880
Notes:
(1) From Exhibit 1, Page 4, Row (9)
(4) = [(1)+(2)} I [(1)+(2)+(3)]
© Insurance Services Office, Inc., 2017
020
UNDERWRITING ASSOCIATION Page2
Provision for Non Named Storm Catastrophe Wind Losses*

(I) (2) (3) (4) (5) (6) (7) (8)

Ratio of
Incurred Wind Losses
Average "'ind Losses From Non
TIV TIV Accident Accident From Non Named Storm
lnforce Corresponding In force Corresponding Year Year Named Storm Catastrophes
Date to Column {1! Date to Column !2! Ending TIV Catastrophes to Average TIV
12/31/1999 15,434,913,261 12/31/1999 15,434,913,261
9/30/2000 16,211,493,555 12/3112000 16,727,091,575 12/31/2000 16,081,002,418 533,827 0.0033%
12/3112001 18,789,483,654 12/3112001 18,789,483,654 12/3112001 17,758,287,614 0.0000%
12/3112002 24,617,587,167 12/31/2002 24,617,587,167 12/31/2002 21,703,535,411 7,561 0.0000%
12/31/2003 32,498,808,452 12/3112003 32,498,808,452 12/31/2003 28,558,197,810 532,500 0.0019%
12/3112004 50,057,546,109 12/3112004 50,057,546,109 12/31/2004 41,278,!77,281 327,844 0.0008%
12/3112005 64,729,!84,880 12/31/2005 64,729,184,880 12/3112005 57,393,365,495 2,093,647 0.0036%
12/31/2006 82,158,596,712 12/31/2006 82,158,596,712 12/31/2006 73,443,890,796 3,106,609 0.0042%
12/31/2007 92,311,180,195 12/3112007 92,311,180,!95 12/3112007 87,234,888,454 3,600,213 0.0041%
12/3112008 92,537,280,919 12/31/2008 92,537,280,919 12/3112008 92,424,230,557 107,553 0.0001%
12/3112009 89,675,923,826 12/31/2009 89,675,923,826 12/31/2009 91,106,602,373 0.0000%
12/31/2010 87,228,089,705 12/31/2010 87,228,089,705 12/31/2010 88,452,006,766 7,517,792 0.0085%
12/31/2011 86,438,692,013 12/3112011 86,438,692,013 12/31/2011 86,833,390,859 11,698,667 0.0135%
12/31/2012 86,733,335,508 12/3112012 86,733,335,508 12/31/2012 86,586,013,761 0.0000%
12/3112013 87,723,632,072 12/31/2013 87,723,632,072 12/31/2013 87,228,483,790 0.0000%
12/3112014 88,983,016,533 12/3112014 88,983,016,533 12/31/2014 88,353,324,303 1,474,341 0.0017%
12/31/2015 91,459,576,376 12/31/2015 91,459,576,376 12/3112015 90,221,296,455 2,318,825 0.0026%
12/31/2016 94,119,771,138 12/3112016 94,119,771,138 12/31/2016 92,789,673,757 249,811 0.0003%
(9) All-Y ear Average: 0.0026%
Notes:
* Reflects winter storm catastrophes and wind/thunderstorm catastrophes that aren't named storms.
(2) Based on information provided by the MP!UA. Equal to the sum ofinforce coverage limits.
( 4) Calculated based on linear interpolation of the inforce TIV shown in Column (2).
(6) Calculated by averaging the inforce TIV at the beginning and end of the accident year (as shown in Column (4)).
(7) ~[Appendix A, Page 2, Column (3)] +[Appendix A. Page 3. Column (3)]
(8) ~ (7)1(6)
(9) Equal to the average of Column (8)

021
Provision for Non-Hurricane Named Storm Catastrophe Wind Losses*

(I) (2) (3) (4) (5) (6) (7) (8)

Ratio of
Incurred \Vind Losses
Average \Vind Losses From
TIV TIV Accident Accident From Named Storm
In force Corresponding In force Corresponding Year Year Named Storm Catastrophes
Date to Column fll Date to Column {2~ Ending TIV Catastrophes to Average TIV
12/31/1999 15,434,913,261 12/31/1999 15,434,913,261
9/30/2000 16,211,493,555 12/31/2000 16,727,091,575 12/3112000 16,081,002,418 0.0000%
12/31/2001 18,789,483,654 12/31/2001 18,789,483,654 12/3112001 17,758,287,614 0.0000%
12/3112002 24,617,587,167 12/3112002 24,617,587,167 12/3112002 21,703,535,411 0.0000%
12/3112003 32,498,808,452 12/3112003 32,498,808,452 12/3112003 28,558,197,810 0.0000%
12/3112004 50,057,546,109 12/3112004 50,057,546,109 12/31/2004 41,278,177,281 0.0000%
12/3112005 64,729,184,880 12/3112005 64,729,184,880 12/31/2005 57,393,365,495 0.0000%
12/3112006 82,158,596,712 12/3112006 82,158,596,712 12/3112006 73,443,890,796 0.0000%
12/3112007 92,311,180,195 12/31/2007 92,311,180,195 12/31/2007 87,234,888,454 0.0000%
12/3112008 92,53 7,280,919 12/31/2008 92,537,280,919 12/31/2008 92,424,230,557 0.0000%
12/3112009 89,675,923,826 12/31/2009 89,675,923,826 12/3112009 91,106,602,373 0,0000"/o
12/3112010 87,228,089,705 12/31/2010 87,228,089,705 12/3112010 88,452,006,766 0,0000%
12/3112011 86,438,692,013 12/3112011 86,438,692,013 12/3112011 86,833,390,859 6,148,895 0.0071%
12/3112012 86,733,335,508 12/31/2012 86,733,335,508 12/3112012 86,586,013,761 7,358,408 0,0085%
12/3112013 87,723,632,072 12/3112013 87,723,632,072 12/3112013 87,228,483,790 0.0000%
12/3112014 88,983,016,533 12/31/2014 88,983,016,533 12/3112014 88,353,324,303 0.0000%
12/31/2015 91,459,576,376 12/31/2015 91,459,576,376 12/3112015 90,221,296,455 0.0000%
12/3112016 94,119,771,138 12/3112016 94,119,771,138 12/3112016 92,789,673,757 0.0000%
(9) All-Year Average: 0.0009%
Noles:
* 2011 reflects Irene, and 2012 reflects Sandy.
(2) Based on information provided by the MPIUA. Equal to the sum ofinforce coverage limits.
(4) Calculated based on linear inte1polation of the inforce TIV shown in Column (2).
(6) Calculated by averaging the injorce TIV at the beginning and end of the accident year (as shown in Column (4)).
(7) From Appendix A, Page 4, Column (3)
(8) ~ (7)1(6)

022
Provision for Non-Catastrophe Wind Losses

(1) (2) (3) (4) (5) (6) (7) (8)

Average Ratio of
TIV TJV Accident Accident Incurred Non-Cat.
In force Corresponding In force Corresponding Year Year Non-Cat. Wind Losses
Date to Column (1) Date to Column {2} Ending TIV \Vind Losses to Average TIV
12/31/2011 86,438,692,013 12/31/2011 86,438,692,013 12/3112011
12/3112012 86,733,335,508 12/3112012 86,733,335,508 12/31/2012 86,586,013,761 1,846,911 0.0021%
12/3112013 87,723,632,072 12/3112013 87,723,632,072 12/3112013 87,228,483,790 8,138,336 0.0093%
12/31/2014 88,983,016,533 12/3112014 88,983,016,533 12/31/2014 88,353,324,303 3,266,365 0.0037%
12/3112015 91,459,576,376 12/31/2015 91,459,576,376 12/3112015 90,221,296,455 2,240,302 0.0025%
12/3112016 94,119,771,138 12/3112016 94,119,771,138 12/31/2016 92,789,673,757 2,629,633 0.0028%
Notes:
(2) Based on information provided by the MPIUA. Equal to the sum of inforce coverage limits.
(4) Calculated based on linear interpolation of the inforce TIV shown in Column (2).
(6) Calculated by averaging the inforce TJV at the beginning and end of the accident year (as shown in Column (4)).
(7) Based on information provided by the MPIUA. Losses are evaluated as of 3131117.
(8) ~ (7)1(6)
(9) Equal to the average of Column (8}

023
MASSACHUSETTS PROPERTY INSURANCE Exhibit 2
ISO's Current Wind Percentage Deductible Factors *

Reflects a $500 Base Deductible
Homeowners-- Owners Forms
- - -
Coverage A Limit
Wind AOP 100,000 200,000
Deductible Deductible Up to to to 300,000
Amount Amount 99,999 199,999 299,999 and Over
100 1.07 1.00 0.98 0.99
250 1.02 0.98 0.97 0.96
1% 500 0.98 0.95 0.95 0.95
1,000 n.a. 0.93 0.92 0.92
2,500 n.a. n.a. 0.84 0.87
100 1.05 0.97 0.96 0.96
250 0.97 0.95 0.93 0.93
2% 500 0.94 0.93 0.92 0.92
1,000 0.91 0.90 0.88 0.89
2,500 n.a. 0.82 0.82 0.84
100 0.97 0.93 0.93 0.91
250 0.95 0.90 0.90 0.90
5% 500 0.92 0.89 0.89 0.89
1,000 0.89 0.85 0.85 0.86
2,500 0.79 0.78 0.79 .....
0.81 -
Notes
* Deductible factors from Table 406.C.3.a.(6)#/ of!SO's Homeowners Policy Program Manual exception pages for Massachusetts.
Deductible factors are for coastal territories (02-05, II. 12. 30-3 7, 39-41, and 43)
~
ISO's Current Hurricane Percentage Deductible Factors *

Homeowners -- Owners Forms
- - -
Coverage A Limit
Hurricane AOP 100,000 200,000
Amouut Amount 99,999 199,999 299,999 and Over
100 1.08 1.05 1.01 LOO
250 1.06 1.00 0.98 0.99
1% 500 0.99 0.96 0.96 0.97
1,000 n.a. 0.94 0.93 0.94
2,500 n.a. n.a. 0.85 0.88
100 1.06 1.00 0.97 0.97
250 1.01 0.97 0.96 0.96
2% 500 0.95 0.94 0.94 0.94
1,000 0.92 0.92 0.91 0.91
2,500 n.a. 0.83 0.83 0.85
100 1.00 0.94 0.94 0.95
250 0.96 0.93 0.93 0.94
5% 500 0.93 0.91 0.91 0.92
1,000 0.90 0.88 0.88 0.89
2,500 0.80 0.80 0.80 0.83
Notes
* Deductible factors from Table 406. C.4.a. (6) ofJSOrs Homeowners Policy Program Manual exception pages for Massachusetts.
Deductible factors are for coastal territories (02-05. 11, 12, 30-37, 39-41, and 43)
025
UNDERWRITING ASSOCIATION Page 3
Interpolated Named Storm Percentage Deductible Factors*

. - \~J ,~,
Coverage A Limit
Named Storm AOP 100,000 200,000
100 1.079 1.044 1.006 0.999
250 1.055 0.998 0.979 0.986
1% 500 0.989 0.959 0.959 0.968
1,000 n.a. 0.939 0.929 0.938
2,500 n.a. n.a. 0.849 0.879
100 1.059 0.996 0.969 0.969
250 1.005 0.968 0.956 0.956
2% 500 0.949 0.939 0.938 0.938
1,000 0.919 0.918 0.906 0.908
2,500 n.a. 0.829 0.829 0.849
100 0.996 0.939 0.939 0.945
250 0.959 0.926 0.926 0.935
5% 500 0.929 0.908 0.908 0.916
I ,000 0.899 0.876 0.876 0.886
2,500 0.799 0.798 0.799 0.828
Notes
* Interpolated named storm deductible factors are calculated using the following formula: A + (B-A) *C, where
-A is equal to !SO's current wind deductible factor from Exhibit 2, Page I.
- B is equal to !SO's current hurricane deductible factor from Exhibit 2, Page 2.
-Cis equal to tempering factor from Exhibit I, Page I, Row (4).
Deductible factors are for coastal territories (02-05, II, I2, 30-37, 39-4I, and 43)
©Insurance Services Office, Inc., 2017
j
ISO's Current All Peril Deductible Factors *

- -
Coverage A Limit
-
All Peril 100,000 200,000
Deductible Up to to to 300,000
Amount 99,999 199,999 299,999 and Over
100 1.09 1.09 1.09 1.09
250 1.07 1.07 1.07 1.07
500 1.00 1.00 1.00 1.00
1,000 0.93 0.95 0.96 0.97
2,500 0.81 0.84 0.86_ --
0.89
Notes
* From !SO's current rate manual in Massachusetts.
Deductible factors are for coastal territories (02-05, II, 12, 30-3 7, 39-41, and 43}
027
Tempering Factors Used for Interpolating Between Wind and All Peril Deductible Factors
- - (5)
Coverage A Limit Cov.A
Wind AOP 100,000 200,000 Limit
Deductible Deductible Up to to to 300,000 200,000
Amount Amount 99,999 199,999 299,999 and Over and Over
100 0.440 0.489 0.240 0.088 0.123
250 0.704 0.196 0.088 0.240 0.205
1% 500 0.440 0.176 0.176 0.352 0.312
1,000 n.a. 0.440 0.220 0.352 0.322
2,500 n.a. n.a. 0.440 0.440 0.440
100 0.220 0.220 0.068 0.068 0.068
250 0.352 0.147 0.189 0.189 0.189
2o/o 500 0.147 0.126 0.220 0.220 0.220
1,000 0.440 0.352 0.330 0.220 0.245
2,500 n.a. 0.440 0.220 0.176 0.186
100 0.220 0.055 0.055 0.196 0.163
250 0.073 0.155 0.155 0.207 0.195
5% 500 0.110 0.160 0.160 0.240 0.222
1,000 0.220 0.264 0.240 0.240 0.240
2,500 0.440 0.293 0.126 0.220 0.198
Notes
(1) to (4): Tempering factors are calculated using the following formula: (A-B) I (C-B), where
-A is equal to the indicated named storm deductible factor from Exhibit 2, Page 3.
- B is equal to the wind deductible factor from Exhibit 2, Page I.
- Cis equal to the all peril deductible factor from Exhibit 2, Page 4 that corresponds to the relevant AOP deductible.
(5) ~ 0.23*(3} + 0.77*(4)
Based on 12131116 iriforce policies, 23% ofpremium for policies with a Coverage A limit of at least 200K is due to policies with a
Coverage A limit that is less than $300K.
l )'
MPIUA's Current Wind Percentage Deductible Factors *

- - -
Coverage A Limit
Wind AOP 60,000 100,000
Amount Amount 59,999 99 999 200,000 and Over
100 1.05 1.04 1.04 1.04
250 0.96 0.96 0.96 0.96
1% 500 0.89 0.89 0.89 0.93
1,000 n.a. n.a. 0.78 0.88
2,500 n.a. n.a. n.a. 0.74
100 1.02 1.02 1.02 1.02
250 0.93 0.93 0.94 0.95
2% 500 0.86 0.86 0.87 0.91
1,000 0.76 0.76 0.76 0.85
2,500 n.a. n.a. 0.60 0.72
100 0.97 0.97 0.99 1.00
250 0.89 0.89 0.91 0.93
5% 500 0.82 0.82 0.84 0.89
1,000 0.72 0.72 0.73 0.83
2,500 0.59 0.59 0.59 0.70
Notes
* Deductible factors provided by the MPJUA.
029
MPIUA's Current All Peril Deductible Factors *

- Coverae;e A Limit
~ ~
All Peril 60,000 100,000

Amount 59,999 99,999 200,000 and Over
100 1.09 1.09 1.09 1.09
250 1.00 1.00 1.00 1.00
500 0.91 0.91 0.92 0.96
1,000 0.79 0.79 0.79 0.89
2,500 0.62 0.62 0.62 0.75
Notes
* Deductible factors provided by the MPIUA.
)
MPIUA's Indicated Named Storm Percentage Deductible Factors

- -
Coveraee A Limit
-
100 1.068 1.062 1.064 1.046
250 0.988 0.988 0.968 0.968
1% 500 0.899 0.899 0.895 0.939
1,000 n.a. n.a. 0.784 0.883
2,500 n.a. n.a. n.a. 0.744
100 1.035 1.035 1.035 1.025
250 0.955 0.955 0.949 0.959
2% 500 0.867 0.867 0.876 0.921
1,000 0.773 0.773 0.771 0.860
2,500 n.a. n.a. 0.609 0.726
100 0.996 0.996 0.995 1.015
250 0.898 0.898 0.924 0.944
5% 500 0.830 0.830 0.853 0.906
1,000 0.735 0.735 0.746 0.844
2,500 0.603 0.603 0.599 0.710
Notes
(I) ~[Exhibit 2. Page 6. Column (I)] +{[Exhibit 2, Page 7, Column (I)]- [Exhibit 2, Page 6, Column (I)]} *[Exhibit 2, Page 5, Column (I)]
Results are rounded to the nearest thousandth.
(2) ~[Exhibit 2, Page 6, Column (2)] +{[Exhibit 2, Page 7, Column (2)]- [Exhibit 2, Page 6, Column (2)]} *[Exhibit 2, Page 5, Column (I)]
(3) ~[Exhibit 2, Page 6, Column (3)] +{[Exhibit 2, Page 7, Column (3)]- [Exhibit 2, Page 6, Column (3)}} *[Exhibit 2, Page 5, Column (2)]
(4) ~[Exhibit 2, Page 6, Column (4)} +{[Exhibit 2, Page 7, Column (4)}- [Exhibit 2, Page 6, Column (4)]} *[Exhibit 2, Page 5, Column (5)]
031
Percent Increase to Convert from a Wind% Deductible to a Named Storm% Deductible

- - - '
Coverage A Limit
Wind AOP 60,000 100,000
100 1.7% 2.1% 2.3% 0.6%
250 2.9% 2.9% 0.8% 0.8%
1% 500 1.0% 1.0% 0.6% 1.0%
1,000 n.a. n.a. 0.5% 0.3%
2,500 n.a. n.a. n.a. 0.5%
100 1.5% 1.5% 1.5% 0.5%
250 2.7% 2.7% 1.0% 0.9%
2% 500 0.8% 0.8% 0.7% 1.2%
1,000 1.7% 1.7% 1.4% 1.2%
2,500 n.a. n.a. 1.5% 0.8%
100 2.7% 2.7% 0.5% 1.5%
250 0.9% 0.9% 1.5% 1.5%
5% 500 1.2% 1.2% 1.5% 1.8%
1,000 2.1% 2.1% 2.2% 1.7%
2,500 2.2% 2.2% 1.5% 1.4%
Notes
(I) ~[Exhibit 2, Page 8, Column (I}] I [Exhibit 2, Page 6, Column (I)]- I
(2} ~[Exhibit 2, Page 8, Column (2)} I [Exhibit 2, Page 6, Column (2)]- I
(3) ~[Exhibit 2, Page 8, Column (3)} I [Exhibit 2, Page 6, Column (3)}- I
(4) ~[Exhibit 2, Page 8, Column (4)] I [Exhibit 2, Page 6, Column (4)] -I
2
I SO's Current Wind Fixed Dollar Deductible Factors *

- - -
Coverage A Limit
Wind AOP 100,000 200,000
100 1.06 1.04 1.03 1.02
1,000 250 0.98 0.99 1.00 1.01
500 0.95 0.96 0.97 0.98
100 0.98 0.99 1.00 1.01
250 0.96 0.97 0.98 0.99
2,000
500 0.93 0.94 0.96 0.97
1,000 0.90 0.92 0.93 0.95
100 0.94 0.95 0.97 0.98
250 0.92 0.93 0.94 0.95
5,000 500 0.89 0.91 0.93 0.94
1,000 0.86 0.88 0.89 0.91
2,500 0.78 0.81 0.83 0.86
Notes
* Deductible factors from Table 406. C3.b. (6)#1 of/SO's Homeowners Policy Program Manual exception pages for Massachusetts.
Deductible factors are for coastal territories (02-05, 11, 12, 30-37, 39-41, and 43)
033
ISO's Current Hurricane Fixed Dollar Deductible Factors *

- Coverage A Limit- ~
Hurricane AOP 100,000 200,000

100 1.07 1.06 1.04 1.03
1,000 250 1.05 1.04 1.03 1.02
500 0.96 0.97 0.98 0.99
100 1.05 1.04 1.03 1.02
250 0.97 0.98 0.99 1.00
2,000
500 0.94 0.95 0.97 0.98
1,000 0.91 0.93 0.94 0.96
100 0.96 0.97 0.98 0.99
250 0.95 0.96 0.97 0.98
5,000 500 0.92 0.93 0.95 0.96
1,000 0.88 0.90 0.92 0.93
2,500 0.79 0.82 0.84 0.87
Notes
* Deductible factors from Table 406. C. 4.b. (6) of!SO's Homeowners Policy Program Manual exception pages for Massachusetts.
Deductible factors are for coastal territories (02-05, II, 12, 30-37, 39-41, and 43)
~
Interpolated Named Storm Fixed Dollar Deductible Factors *

- - -
Coverage A Limit
100 1.069 1.058 1.039 1.029
1,000 250 1.042 1.034 1.026 1.019
500 0.959 0.969 0.979 0.989
100 1.042 1.034 1.026 1.019
250 0.969 0.979 0.989 0.999
2,000
500 0.939 0.949 0.969 0.979
1,000 0.909 0.929 0.939 0.959
100 0.958 0.968 0.979 0.989
250 0.946 0.956 0.966 0.976
5,000 500 0.916 0.928 0.948 0.958
1,000 0.878 0.898 0.916 0.928
2,500 0.789 0.819 0.839 0.869
Notes
* Interpolated named storm deductible factors are calculated using the following formula: A + (B-A) *C, where
-A is equal to !SO's current wind deductible factor from Exhibit 3, Page I.
- B is equal to !SO's current hurricane deductible factor from Exhibit 3, Page 2.
-Cis equal to tempering factor from Exhibit I, Page I, Row (4).
Deductible factors are for coastal territories (02-05, II, 12, 30-37, 39-4I, and 43)
035
!SO's Current All Peril Deductible Factors *

Homeowners --Owners Forms
-
Coverage A Limit
-
All Peril 100,000 200,000
Amount 99,999 199,999 299,999 and Over
100 1.09 1.09 1.09 1.09
250 1.07 1.07 1.07 1.07
500 1.00 1.00 1.00 1.00
1,000 0.93 0.95 0.96 0.97
2,500 0.81 0.84 0.86 0.89
Notes
* From !SO's current rate manual in Massachusetts.
Deductible factors are for coastal territories (02-05, II, I2, 30-3 7, 39-4I, and 43)
3
Tempering Factors Used for Interpolating Between Wind and All Peril Deductible Factors
. - Coverage A Limit- ~ (5)

Cov.A
Wind AOP 100,000 200,000 Limit
Deductible Deductible Up to to to 300,000 200,000
Amount Amount 99,999 199,999 299,999 and Over and Over
100 0.293 0.352 0.147 0.126 0.131
500
250 0.684 0.550 0.377 0.147 0.200
100 0.293 0.352 0.147 0.126 0.131
1,000 250 0.684 0.550 0.377 0.147 0.200
500 0.176 0.220 0.293 0.440 0.406
100 0.560 0.440 0.293 0.110 0.152
250 0.080 0.088 0.098 0.110 0.107
2,000
500 0.126 0.147 0.220 0.293 0.276
1,000 0.293 0.293 0.293 0.440 0.406
100 0.117 0.126 0.073 0.080 0.078
250 0.176 0.189 0.203 0.220 0.216
5,000 500 0.240 0.196 0.251 0.293 0.284
1,000 0.251 0.251 0.377 0.293 0.313
2,500 0.293 0.293 0.293 0.293 0.293
Notes
(I} to (4}: Tempering factors are calculated using the following formula: (A-B) I (C-B}, where
-A is equal to the indicated named storm deductible factor from Exhibit 3, Page 3.
- B is equal to the wind deductible factor from Exhibit 3, Page /.
-Cis equal to the all peril deductible factor from Exhibit 3, Page 4 that corresponds to the relevant AOP deductible.
Tempering factors for a $500 wind deductible are set equal to the tempering factors for a $1000 wind deductible.
(5} ~ 0.23*(3} + 0. 77*(4}
Based on 12131116 inforce policies, 23% ofpremium for policies with a Coverage A limit of at least 200K is due to policies with a
Coverage A limit that is less than $300K.
037
MPIUA's Current Wind Fixed Dollar Deductible Factors *

- - -
Coverage A Limit
Wind AOP 60,000 100,000
100 1.06 1.07 1.08 1.08
500
250 0.98 0.98 0.99 0.99
100 1.02 1.03 1.05 1.06
1,000 250 0.95 0.95 0.97 0.98
500 0.88 0.88 0.90 0.95
100 0.98 1.00 1.03 1.04
250 0.91 0.92 0.95 0.96
2,000
500 0.85 0.85 0.88 0.93
1,000 0.75 0.75 0.77 0.88
100 0.96 0.97 1.01 1.02
250 0.88 0.89 0.92 0.94
5,000 500 0.82 0.82 0.85 0.91
1,000 0.72 0.72 0.75 0.86
2,500 0.58 0.59 0.60 0.74
Notes
~ J

- - -
Coverage A Limit
All Peril 60,000 100,000
Amount 59,999 99,999 200,000 and Over
100 1.09 1.09 1.09 1.09
250 1.00 1.00 1.00 1.00
500 0.91 0.91 0.92 0.96
1,000 0.79 0.79 0.79 0.89
2,500 0.62 0.62 0.62 0.75
Notes
039
MPIUA's Indicated Named Storm Fixed Dollar Deductible Factors

- - -
Coverage A Limit
100 1.069 1.076 1.084 1.081
500
250 0.994 0.994 0.995 0.992
100 1.041 1.048 1.064 1.064
1,000 250 0.984 0.984 0.986 0.984
500 0.885 0.885 0.904 0.954
100 1.042 1.050 1.056 1.048
250 0.917 0.926 0.954 0.964
2,000
500 0.858 0.858 0.886 0.938
1,000 0.762 0.762 0.776 0.884
100 0.975 0.984 1.020 1.025
250 0.901 0.909 0.935 0.953
5,000 500 0.842 0.842 0.864 0.924
1,000 0.738 0.738 0.760 0.869
------
2,500 0.592 0.599 0.606
.... ...
0.743
Notes
(I) ~[Exhibit 3, Page 6, Column (I)] +{[Exhibit 3, Page 7, Column (I)]- [Exhibit 3, Page 6, Column (I)}] *[Exhibit 3. Page 5, Column (I)]
(2) ~[Exhibit 3, Page 6, Column (2)] +{[Exhibit 3, Page 7, Column (2)]- [Exhibit 3, Page 6, Column (2)]} *[Exhibit 3, Page 5, Column (I)]
(3) ~[Exhibit 3, Page 6, Column (3)] +{[Exhibit 3, Page 7, Column (3)]- [Exhibit 3, Page 6, Column (3)}} *[Exhibit 3, Page 5, Column (2}}
(4} ~[Exhibit 3, Page 6, Column (4)} +{[Exhibit 3, Page 7, Column (4)}- [Exhibit 3, Page 6, Column (4)}} *[Exhibit 3, Page 5, Column (5)}
l )
Percent Increase to Convert from a Wind $Deductible to a Named Storm $Deductible

- - -
Coverage A Limit
Wind AOP 60,000 100,000
100 0.8% 0.6% 0.4% 0.1%
500
250 1.4% 1.4% 0.5% 0.2%
100 2.1% 1.7% 1.3% 0.4%
1,000 250 3.6% 3.6% 1.6% 0.4%
500 0.6% 0.6% 0.4% 0.4%
100 6.3% 5.0% 2.5% 0.8%
250 0.8% 0.7% 0.4% 0.4%
2,000
500 0.9% 0.9% 0.7% 0.9%
1,000 1.6% 1.6% 0.8% 0.5%
100 1.6% 1.4% 1.0% 0.5%
250 2.4% 2.1% 1.6% 1.4%
5,000 500 2.7% 2.7% 1.6% 1.5%
1,000 2.5% 2.5% 1.3% 1.0%
2,500 2.1% 1.5% 1.0% 0.4% - - - - - -
Notes
(1) ~[Exhibit 3, Page 8, Column (I)] I [Exhibit 3, Page 6, Column (I)] -I
(2) ~[Exhibit 3, Page 8, Column (2)] I [Exhibit 3, Page 6, Column (2)]- I
(3) ~[Exhibit 3, Page 8, Column (3)] I [Exhibit 3, Page 6, Column (3)] -I
(4) ~[Exhibit 3, Page 8, Column (4)] I [Exhibit 3, Page 6, Column (4)}- I
© Insurance Services Office, Inc,, 2017
041
MASSACHUSETTS PROPERTY INSURANCE Appendix A
Historical Incurred Catastrophe Losses

(I) (2) (3) (4) (5) (6) (7)

Case Percental!;e Distribution of Losses Case Incurred Catastrophe Losses
Incurred Wind and Wind and
Accident Catastrophe Winter Thunderstorms Named Winter Thunderstorms Named
Year Losses Storms Events Storms Storms Events Storms
2000 2,370,387 79.3% 20.7% 0.0% 1,880,799 489,588 -
2001 n.a. n.a. n.a. - - -
2002 233,983 !00.0% 0.0% 0.0% 233,983 - -
2003 2,619,982 81.7% 18.3% 0.0% 2,140,451 479,531 -
2004 10,145,277 !00.0% 0.0% 0.0% 10,145,277 - -
2005 8,739,089 77.8% 22.2% 0.0% 6,799,653 1,939,435 -
2006 4,617,635 31.4% 68.6% 0.0% 1,450,933 3,166,702 -
2007 3,726,089 0.0% 100.0% 0.0% - 3,726,089 -
2008 3,328,278 100.0% 0.0% 0.0% 3,328,278 - -
2009 n.a. n.a. n.a. - - -
2010 1!,113,705 31.0% 69.0% 0.0% 3,448,394 7,665,311 -
2011 25,998,211 30.3% 45.6% 24.1% 7,887,172 11,843,911 6,267,127
2012 7,499,897 0.0% 0.0% 100.0% - - 7,499,897
2013 n.a. n.a. n.a. - - -
2014 3,216,108 54.5% 45.5% 0.0% 1,751,343 1,464,765 -
2015 40,501,501 97.3% 2.7% 0.0% 39,411,563 I ,089,938 -
2016 7,563,115 100.0% 0.0% 0.0% 7,563,115 - -
Notes
(1) Based on information provided by the MPIUA. Losses are evaluated as of3/31/17.
(2) to (4) For years 2000 to 2011: Calculated based on Homeowners catastrophe losses reported in historical financial statements.
Represents all Homeowners policy forms combined. See explanatory memorandum for details.
For years 2012to 2016: Calculated based on loss information provided by the MPJUA.
See explanatory memorandum for details.
(5) ~(1)'(2)
(6) ~ (1)'(3)
(7) ~ (1)'(4)
042
Wind Losses Due to Winter Storm Catastrophes

(1) (2) (3)

Case Inc. Case Inc.
Losses Wind Losses
Due to Due to
Accident Winter Storm Wind Winter Storm
Year Catastrol!hes Percentage Catastrol!hes
2000 1,880,799 3.2% 60,778
2001 3.2%
2002 233,983 3.2% 7,561
2003 2,140,451 3.2% 69,169
2004 10,145,277 3.2% 327,844
2005 6,799,653 3.2% 219,730
2006 I ,450,933 3.2% 46,887
2007 3.2%
2008 3,328,278 3.2% 107,553
2009 3.2%
2010 3,448,394 3.2% 111,435
2011 7,887,172 3.2% 254,874
2012 n.a.
2013 n.a.
2014 1,751,343 2.1% 37,510
2015 39,411,563 3.3% 1,287,258
2016 7,563,115 3.3% 249,811
Notes
(2) For years 2012 to 2016: Calculated based on loss information provided by the MPJUA.
For years 2000 to 201/: Equal to the weighted average of Column (2) for years 2012 to 2016,
with weightsfi·om Column (1).
(3) ~ (1)*(2)
043
Wind Losses Due to Wind and Thunderstorm Catastrophes

(1) (2) (3)

Case Inc. Case Inc.
Losses Wind Losses
Due to Due to
Wind and Wind and
Accident Thunderstorm Wind Thunderstorm
Year CatastroJ!hes Percentage CatastroJ!hes
2000 489,588 96.6% 473,049
2001 96.6%
2002 96.6%
2003 479,531 96.6% 463,331
2004 96.6%
2005 1,939,435 96.6% 1,873,916
2006 3,166,702 96.6% 3,059,723
2007 3,726,089 96.6% 3,600,213
2008 96.6%
2009 96.6%
2010 7,665,311 96.6% 7,406,357
2011 11,843,911 96.6% 11,443,793
2012 n.a.
2013 n.a.
2014 1,464,765 98.1% 1,436,832
2015 1,089,938 94.6% 1,031,567
2016 n.a.
Notes
(/) From Appendix A, Page 1, Column (6)
(2) For years 2012 to 2016: Calculated based on loss information provided by the MPIUA.
For years 2000 to 2011: Equal to the weighted average of Column (2) for years 2012 to 2016,
with weights from Column (1).
(3) ~ (1)*(2)
044
Wind Losses Due to Named Storm Catastrophes

Homeowners - Owners Forms
(1) (2) (3)

Case Inc. Case Inc.
Losses Wind Losses
Due to Due to
Accident Named Storm Wind Named Storm
Year CatastroJlhes Percentage CatastroJlhes
2000 98.1%
2001 98.1%
2002 98.1%
2003 98.1%
2004 98.1%
2005 98.1%
2006 98.1%
2007 98.1%
2008 98.1%
2009 98.1%
2010 98.1%
2011 6,267,127 98.1% 6,148,895
2012 7,499,897 98.1% 7,358,408
2013 n.a.
2014 n.a.
2015 n.a.
2016 n.a.
Notes
(I) From Appendix A, Page I, Column (7)
(2) For years 2012 to 2016: Calculated based on loss information provided by the MPIUA.
with weights from Column (I).
(3) ~ (1}*(2)
045
MASSACHUSETTS
PROPERTY INSURANCE
DWELLING PROPERTY
SUBMITTED BY
INSURANCE SERVICES OFFICE, INC.
ACTUARIAL CONSULTING SERVICE
545 WASHINGTON BOULEVARD
JERSEYC!TY, NEW JERSEY07310-1686
NOVEMBER 15, 2017
046
TABLE OF CONTENTS
I. INTRODUCTION
2. EXECUTIVE SUMMARY
3. EXPLANATION OF EXHIBITS
4. EXHIBITS
047
SECTION 1
INTRODUCTION
048
INTRODUCTION
BACKGROUND AND OBJECTIVES

The Massachusetts Property Insurance Underwriting Association (MPIUA) provides
Homeowners, Dwelling, and Commercial Property coverage to policyholders unable to
purchase insurance in the voluntary market.
For Dwelling Property, the MPIUA currently issues policies that have the following type of
deductibles:
• Policies where the same all-peril deductible applies to property losses independent of
the cause ofloss (including wind).
• Policies with separate wind and all other peril ("AOP") deductibles. In this case, a
separate (higher) deductible is applied to property losses that are caused by wind.
The MPIUA is proposing to replace its use of separate wind deductibles with separate named
storm deductibles. This change in deductibles will benefit the policyholder by providing
greater coverage for certain types of wind losses. In particular, under a named storm
deductible, a wind loss that did not result from a named storm will be subject to the lower
AOP deductible (instead of the higher named storm deductible). On the other hand, if the
policy had a separate wind deductible, then all wind losses would be subject to the higher
wind deductible. 1
The MPIUA has requested that Insurance Services Office, Inc. (ISO) prepare an analysis
showing the calculation of indicated named storm deductible factors.
The objective of this report is to calculate indicated named storm deductible factors for the
Extended Coverage component of Dwelling Property. 2
1 If a wind loss is caused by a named storm (e.g. hurricane or tropical storm), then the transition from a wind deductible to a
named storm deductible will not impact the amount of the applicable deductible or the resulting insured loss payment.
2 A separate repott shows the calculation of indicated named storm deductible factors for Homeowners (owners forms) policies.
Section I -Page 1
049
INTRODUCTION
RELIANCES AND LIMITATIONS

Our analysis and the results contained herein are subject to the following reliances and
limitations:
I. This report was provided for the use of the MPIUA's management and employees as an
aid in their selection of named storm deductible factors. Our report may be submitted to
regulatory authorities as part of an MPIUA filing. It may be provided in its entirety to
other parties that are assisting the MPIUA with the filing process. If the report is
provided to a third party, then that party may only use it on behalf of the MPIUA or in
connection with the MPIUA filing. Any other use or disclosure must be agreed to in
writing by ISO. The actuary signing this report is available to answer questions about
the report.
2. As part of this analysis, we are not expressing any opinion regarding the overall
adequacy of the MPIUA's currently approved rate level. The indicated named storm
deductible factors were calculated to maintain the same level of rate adequacy as implied
by the currently approved rates for the MPIUA.
3. The future loss experience of the MPIUA may differ from the projected estimates
contained in this report. By their nature, insurance claims are subject to variability. The
ultimate liabilities depend on the outcome of future contingent events, the result of which
cannot be known in advance. This uncertainty is present in any actuarial projection.
4. In preparing our report, we have relied upon the premium, loss, and other data provided
to us by the MPIUA. We have neither audited nor verified the data. ISO does not assume
responsibility for any error or omission in the data or information provided to us. Any
material error in the data or other information could result in changes to the indications.
In such event, ISO cannot be responsible for any consequences resulting from its use of
incorrect information or data in deriving the indications. Although we have not audited
the underlying data, we have reviewed the historical information used in this report for
reasonability. We are not aware of any limitations or unresolved concerns that would
limit the use of the data in our analysis.
5. This analysis has used historical MPIUA premium and loss experience to project the
MPIUA's future experience. To the extent that future insureds of the MPIUA are
different from those underwritten in the past, these projections may differ from the actual
loss experience that ultimately occurs. For instance, a significant expansion/contraction
of the voluntary insurer market would impact the MPIUA's insured population. Such a
development has not been addressed in this study.
Section 1 -Page 2
050
SECTION 2
EXECUTIVE SUMMARY
051
EXECUTIVE SUMMARY
The key results of our named storm deductible analysis for Dwelling Property are summarized
below.
I. Indicated Named Storm Deductible Factors: In this report we calculate two sets of
indicated named storm deductible factors for the Extended Coverage part of MPIUA's
Dwelling Property policies. The first set of deductible factors applies when the named
storm deductible is expressed as a percentage of the coverage limit. These percentage
deductible factors are shown in Exhibit 2, Page 4 for buildings and in Exhibit 3,
Column (5) for contents. The second set of deductible factors applies when the named
storm deductible is expressed as a fixed dollar amount. These dollar deductible factors
are shown in Exhibit 4, Page 4 for buildings and in Exhibit 5, Column (5) for contents.
2. Increased Coverage Due to Named Storm Deductibles: Policyholders will benefit

from having greater coverage under the new named storm deductible (compared to
current wind deductibles). Under a named storm deductible, a wind loss that did not
result from a named storm will be subject to the lower AOP deductible (instead of the
higher named storm deductible). On the other hand, under the current wind deductible,
all wind losses are subject to the higher wind deductible.
3. Premium Impact ofTransitioning to Named Storm Deductibles: Based on policies

in force on 12/3112016, we estimate that transitioning from separate wind deductibles to
separate named storm deductibles will result in an overall premium increase of 0.7%.
Policyholders who currently have an all-peril deductible will not see any change to their
premium. Policyholders who currently have a wind deductible will see an average
premium increase of0.9%. At the individual policy level, the smallest premium change
will be 0.0%, and the largest premium change is estimated to be 4.4% based on policies
inforce on 12/31/2016.
4. Rate Effect ofTransitioning to Named Storm Deductibles: Since the sole intent of the
premium increases discussed above in Item 3 is to offset for the increased coverage (and
increased expected losses) associated with named storm deductibles, we characterize this
filing as having a zero rate level effect. The new named storm deductible factors were
calculated to maintain the same level of rate adequacy as implied by the currently
approved rates for the MPIUA. No changes are being made to the MPIUA's base rates.
Premium increases are solely the result of replacing the existing wind deductible factors
with the proposed named storm deductible factors.
Supporting documentation, background information, and the details of our analysis can be found
in later sections of this report.
Section 2- Page I
052
EXECUTIVE SUMMARY
I, Paul Ericksen, am a Principal in the Actuarial Consulting division of! SO. I am responsible for
the content of this analysis. I am a Fellow of the Casualty Actuarial Society and a member of the
American Academy of Actuaries. I meet the Qualification Standards of the American Academy
of Actuaries to render the actuarial opinion contained in this report.
We are pleased to have conducted this analysis for the Massachusetts Property Insurance
Underwriting Association, and look forward to answering any questions you may have.
Paul Ericksen, FCAS, MAAA

Principal, Actuarial Consulting
201-469-2369
Section 2- Page 2
053
SECTION3
054
TYPES OF DEDUCTIBLES
Throughout this analysis we refer to policies with four types of deductibles. The following
provides a brief description of these types of policies:
• Policies with an all-peril deductible where the same deductible applies to property
losses independent of the cause of loss.
• Policies with separate hurricane and all other peril ("AOP") deductibles. In this case,
a separate (higher) deductible is applied to property losses that are caused by wind
from a hurricane.
• Policies with separate named storm and AOP deductibles. In this case, a separate
(higher) deductible is applied to property losses that are caused by wind from a
named storm.
• Policies with separate wind and AOP deductibles. In this case, a separate (higher)
deductible is applied to property losses that are caused by wind.
For Dwelling Property policies in Massachusetts, ISO publishes deductible factors for all-peril
deductibles and for wind deductibles (but not for hurricane deductibles or named storm
deductibles). Similarly, the MPJUA currently only offers Dwelling Property policies with either
an all-peril deductible or a wind deductible.
OVERVIEW OF METHODOLOGY
The indicated named storm deductible factors for the MPIUA are calculated by interpolating
between its currently approved deductible factors for wind deductibles and for all-peril
deductibles. In other words, the indicated named storm deductible factors are equal to a
weighted-average of the MPIUA's current wind deductible factors and its current all-peril
deductible factors. The benefit of using this interpolation approach is that the indicated named
storm deductible factors will be consistent with the current deductible factors that are already
approved for the MPIUA.
The weights which are used to calculate the weighted-average of the MPIUA's current wind and
all-peril deductible factors for Dwelling Property are consistent with the weights that were used
in the corresponding Homeowners deductible analysis that we prepared for the MPIUA. As part
of this analysis, we consider the MPIUA's historical wind loss experience for named storms. The
details underlying these calculations are shown in the attached exhibits. Additional relevant
information can be found in the corresponding Homeowners deductible analysis that we prepared
for the MPIUA.
Section 3- Page 1
055
INDICATED TEMPERING FACTOR TO CALCULATE INTERPOLATED

Exhibit 1, Page 1 shows the calculation of a tempering factor that could be used to impute
named storm deductible factors by interpolating between wind deductible factors and hurricane
deductible factors.
Row (4) of Exhibit I, Page I shows the indicated tempering factor which is based on MPIUA's
historical wind loss experience for its Dwelling Property business. When calculating the
tempering factor, we consider the following three types of non-hurricane wind events: non-
catastrophe losses, non-named storm catastrophes (such as a winter storm), and named storm
catastrophes (such as a tropical storm). The indicated tempering factor reflects the relative
contributions of these three types of non-hurricane wind losses based on the MPIUA's historical
experience. The tempering factor shown in Row (4) implies that a named storm deductible
factor should be located 87.9% of the way between the corresponding wind deductible factor and
the corresponding hurricane deductible factor.
Pages 2 through 4 of Exhibit 1, show the calculation of the provision for different types of wind
losses. The results derived in these pages are used in the calculation of the indicated tempering
factor shown in Page I. Page 2 shows information for non named storm catastrophes (such as a
winter storm), Page 3 shows information for non-hurricane named storm catastrophes (such as a
tropical storm), and Page 4 shows information for non-catastrophes. The wind loss provisions
are expressed as a ratio of wind losses to average total insured value ("TIV"). For catastrophe
wind losses (shown in Pages 2 and 3), we rely on historical experience over a 17-year period. 3
For non-catastrophe wind losses (shown in Page 4), we rely on historical experience over a 5-
year period.
The indicated tempering factor of 0.879 that is calculated in Exhibit I, Page I of this report for
Dwelling Property is almost the same as the corresponding tempering factor of 0.880 that was
calculated in the Homeowners deductible analysis that we prepared for the MPIUA. In the
Homeowners deductible analysis, we used the tempering factor to calculate implied named storm
deductible factors that were interpolated between !SO's wind deductible factors and !SO's
hurricane deductible factors. For Dwelling Property, we are unable to calculate interpolated
named storm deductible factors in the same way because ISO does not publish hurricane
deductible factors for Dwelling Property in Massachusetts.
3 Appendix A shows how historical loss experience for catastrophes was allocated betvreen wind and non~ wind causes of loss.
The results from Appendix A are referenced in Column (7) of Pages 2 and 3 of Exhibit l.
Section 3- Page 2
056

FOR EXTENDED COVERAGE FOR BUILDINGS
In Exhibit 2 we calculate indicated named storm percentage deductible factors for the MPIUA
(for Extended Coverage for buildings).
Exhibit 2, Page 1 shows the implied tempering factors that can be used to calculate indicated
named storm deductible factors by interpolating between wind deductible factors and all-peril
deductible factors. These tempering factors are from Exhibit 2, Page 5 of the corresponding
Homeowners deductible analysis. Given the similarity in the MPIUA's experience between
Homeowners and Dwelling Property (as illustrated by the results derived in Exhibit !of the two
reports), we believe it is reasonable to rely on the Homeowners tempering factors in the
Dwelling Property deductible analysis.
Exhibit 2, Page 2 shows the MPIUA's currently approved wind percentage deductible factors for
Dwelling Property (for Extended Coverage).
Exhibit 2, Page 3 shows the MPIUA's currently approved all-peril deductible factors for
Dwelling Property (for Extended Coverage).
In Exhibit 2, Page 4 we calculate indicated named storm deductible factors for the MPIUA that
are interpolated between the MPIUA's wind deductible factors (shown in Page 2) and the
MPIUA's all-peril deductible factors (shown in Page 3). The interpolation calculations in Page 4
use the interpolation factors that are shown in Page I. Page 4 shows the named storm percentage
deductible factors that the MPIUA is proposing to use.
Exhibit 2, Page 5 shows the percent increase in premium to convert from the MPIUA's current
wind percent deductible factors to the MPIUA's proposed named storm percent deductible
factors.

FOR EXTENDED COVERAGE FOR CONTENTS
In Exhibit 3 we calculate indicated named storm percentage deductible factors for the MPIUA
(for Extended Coverage for contents). The indicated deductible factors are shown in Column
(5).
Section 3- Page 3
057
INDICATED NAMED STORM DOLLAR DEDUCTIBLE FACTORS FOR

EXTENDED COVERAGE
In Exhibit 4 we calculate indicated named storm dollar deductible factors for the MPIUA for
Extended Coverage for buildings. Note that the pages in Exhibit 4 are set up similar to that of
Exhibit 2. Page 4 shows the named storm dollar deductible factors that the MPIUA is proposing
to use.
In Exhibit 5 we calculate indicated named storm dollar deductible factors for the MP!UA (for
Extended Coverage for contents). The indicated deductible factors are shown in Column (5).
Section 3- Page 4
058
SECTION4
EXHIBITS
059
Indicated Tempering Factor to Calculate Interpolated Named Storm Deductible Factors

Dwelling Property
(I) Ratio of non-catastrophe wind losses to TIV 0.0054%

(2) Ratio of non named storm catastrophe wind losses to TIV 0.0047%
(3) Ratio of named storm catastrophe wind losses to TIV 0.0014%
(4) Tempering Factor 0.879
Notes:
(I) From Exhibit I, Page 4, Row (9)
(2) From Exhibit I, Page 2, Row (9)
(3) From Exhibit I, Page 3, Row (9)
(4) = [(I)+(2)} I [(1)+(2)+(3)}
060
Provision for Non Named Storm Catastrophe Wind Losses*

Dwelling Property
(I) (2) (3) (4) (5) (6) (7) (8)

Ratio of
Average Wind Losses From Non
TIV TIV Accident Accident From Non Named Storm
In force Corresponding lnforce Corresponding Year Year Named Storm Catastrophes
Date to Column {1! Date to Column {2} Ending TIV Catastrophes to Average TIV
12/3111999 1,471,227,501 12/31/1999 1,471,227,501
9/30/2000 1,398,591,581 12/3112000 1,413,076,650 12/3112000 I ,442,152,076 45,753 0.0032%
12/3112001 1,471,016,928 12/3112001 1,471,016,928 12/31/2001 1,442,046,789 0.0000%
12/3112002 1,950,154,064 12/31/2002 1,950,154,064 12/3112002 1,710,585,496 0.0000%
12/31/2003 2,677,007,037 12/31/2003 2,677,007,037 12/31/2003 2,313,580,551 17,125 0.0007%
12/31/2004 3,693,109,130 12/31/2004 3,693, I 09,130 12/3112004 3,185,058,084 4,616 0.0001%
12/31/2005 5,305,639,278 12/31/2005 5,305,639,278 12/31/2005 4,499,374,204 133,139 0.0030%
12/3112006 7,111,186,564 12/31/2006 7,111,186,564 12/31/2006 6,208,412,921 170,825 0.0028%
12/3112007 7,874,438,726 12/31/2007 7,874,438,726 12/31/2007 7,492,812,645 577,136 0.0077%
12/3112008 7,188,567,816 12/3112008 7,188,567,816 12/3112008 7,531,503,271 12,709 0.0002%
12/3112009 7,174,961,392 12/3112009 7,174,961,392 12/3112009 7,181,764,604 0.0000%
12/3112010 7,015,480,587 12/3112010 7,015,480,587 12/3112010 7,095,220,990 899,928 0.0127%
12/3112011 8,399,841,582 12/3112011 8,399,841,582 12/3112011 7,707,661,085 3,484,013 0.0452%
12/31/2012 8,651,303,888 12/31/2012 8,651,303,888 12/31/2012 8,525,572,735 0.0000%
12/3112013 8,919,951,584 12/31/2013 8,919,951,584 12/31/2013 8,785,627,736 0.0000%
12/31/2014 9,142,294,515 12/31/2014 9,142,294,515 12/31/2014 9,031 '123,050 89,654 0.0010%
12/31/2015 11,093,916,427 12/3112015 11,093,916,427 12/31/2015 10,118,105,471 359,961 0.0036%
12/3112016 12,445,069,637 12/3112016 12,445,069,637 12/31/2016 11,769,493,032 16,568 0.0001%
Notes:
* Reflects winter storm catastrophes and wind/thunderstorm catastrophes that aren't named storms.
(2) Based on information provided by the MPIUA. Equal to the sum ofinforce coverage limits.
(4) Calculated based on linear interpolation of the inforce TJV shown in Column (2).
(7) ~[Appendix A, Page 2, Column (3)} +[Appendix A, Page 3, Column (3)}
(8) ~ (7)1(6)
(9) Equal to the average a/Column (8)

061
Provision for Non-Hurricane Named Storm Catastrophe Wind Losses*

Dwelling Property
(I) (2) (3) (4) (5) (6) (7) (8)

Ratio of
Average Wind Losses From
TIV TIV Accident Accident From Named Storm
In force Corresponding Inforce Corresponding Year Year Named Storm Catastrophes
Date to Column ( 1) Date to Column (2} Ending TIV Catastrophes to Average TIV
12/3111999 1,471,227,501 12/31/1999 1,471,227,501
9/30/2000 I ,398,591,581 12/3112000 1,413,076,650 12/31/2000 1,442,152,076 0.0000%
12/3112001 1,471,016,928 12/3112001 1,471,016,928 12/3112001 1,442,046,789 0.0000%
12/3112002 1,950,154,064 12/3112002 1,950,154,064 12/31/2002 1,710,585,496 0.0000%
12/31/2003 2,677,007,037 12/31/2003 2,677,007,037 12/31/2003 2,313,580,551 0.0000%
12/31/2004 3,693,109,130 12/3112004 3,693, I 09,130 12/31/2004 3,185,058,084 0.0000%
12/31/2005 5,305,639,278 12/3112005 5,305,639,278 12/3112005 4,499,374,204 0.0000%
12/3112006 7,111,186,564 12/3112006 7,111,186,564 12/3112006 6,208,412,921 0.0000%
12/3112007 7,874,438,726 12/31/2007 7,874,438,726 12/3112007 7,492,812,645 0.0000%
12/31/2008 7,188,567,816 12/3112008 7,188,567,816 12/3112008 7,531,503,271 0.0000%
12/3112009 7,174,961,392 12/3112009 7,174,961,392 12/3112009 7,181,764,604 0.0000%
12/3112010 7,015,480,587 12/31/2010 7,015,480,587 12/3112010 7,095,220,990 0.0000%
12/31/2011 8,399,841,582 12/3112011 8,399,841,582 12/31/2011 7,707,661,085 953,049 0.0124%
12/31/2012 8,651,303,888 12/3112012 8,651,303,888 12/3112012 8,525,572,735 961,866 0.0113%
12/31/2013 8,919,951,584 12/3112013 8,919,951,584 12/3112013 8, 785,627,736 0.0000%
12/3112014 9,142,294,515 12/3112014 9,142,294,515 12/3112014 9,031,123,050 0.0000%
12/31/2015 11,093,916,427 12/31/2015 11,093,916,427 12/3112015 I 0,118,105,471 0.0000%
12/3112016 12,445,069,637 12/3112016 12,445,069,637 12/31/2016 11,769,493,032 0.0000%
(9) All~ Year Average: 0.0014%
Notes:
* 201 I reflects Irene, and 2012 reflects Sandy.
(2) Based on information provided by the MPJUA. Equal to the sum of inforce coverage limits.
(8) ~ (7)1(6)

062
Provision for Non-Catastrophe Wind Losses

Dwelling Property
(1) (2) (3) (4) (5) (6) (7) (8)

Average Ratio of
T!V T!V Accident Accident Incurred Non-Cat.
In force Corresponding In force Corresponding Year Year Non-Cat. Wind Losses
Date to Column {1} Date to Column (2) Ending T!V 'Vind Losses to Average TIV
12/3112011 8,399,841,582 12/31/2011 8,399,841,582 12/3112011
12/3112012 8,651,303,888 12/31/2012 8,651,303,888 12/31/2012 8,525,572,735 307,649 0.0036%
12/3112013 8,919,951,584 12/3112013 8,919,951,584 12/31/2013 8,785,627,736 1,054,126 0.0120%
12/3112014 9,142,294,515 12/3112014 9,142,294,515 12/31/2014 9,031,123,050 418,109 0,0046%
12/3112015 11,093,916,427 12/31/2015 11,093,916,427 12/31/2015 10,118,105,471 309,572 0.0031%
12/31/2016 12,445,069,637 12/31/2016 12,445,069,637 12/3112016 11,769,493,032 415,554 0.0035%
Notes:
(2) Based on information provided by the MPIUA. Equal to the sum of inforce coverage limits.
(6) Calculated by averaging the inforce TJV at the beginning and end of the accident year (as shown in Column (4)).
(7) Based on information provided by the MPIUA. Losses are evaluated as of 3131117.
(8) ~ (7)1(6)

063
Factors Used for Interpolating Between Wind and All Peril Deductible Factors (Calculated based on HO Experience)
Dwelling Property-- EC for Building and Non-Building Structures
. - - (5)
Coverage A Limit Selected
Wind AOP 100,000 200,000 Interpolation
Deductible Deductible Up to to to 300,000 Factors for
Amount Amount 99,999 199,999 299,999 and Over Dwelling
100 0.440 0.489 0.240 0.088 0.175
250 0.704 0.196 0.088 0.240 0.204
I% 500 0.440 0.176 0.176 0.352 . 0.291
1,000 n.a. 0.440 0.220 0.352 0.332
2,500 n.a. n.a. 0.440 0.440 0.440
100 0.220 0.220 0.068 0.068 0.087
250 0.352 0.147 0.189 0.189 0.185
2% 500 0.147 0.126 0.220 0.220 0.208
1,000 0.440 0.352 0.330 0.220 0.263
2,500 n.a. 0.440 0.220 0.176 0.218
100 0.220 0.055 0.055 0.196 0.147
250 0.073 0.155 0.155 0.207 0.188
5% 500 0.110 0.160 0.160 0.240 0.211
1,000 0.220 0.264 0.240 0.240 0.243
2,500 0.440 0.293 0.126 0.220 0.209
Notes
(I) From Exhhibit 2, Page 5, Column (I) of the Homeowners Deductible Analysis report preparedfor the MPIUA.
(2) From Exhhibit 2, Page 5, Column (2) of the Homeowners Deductible Analysis report preparedfor the MPIUA.
(3) From Exhhibit 2, Page 5, Column (3) of the Homeowners Deductible Analysis report prepared for the MPIUA.
(5) Equal to a weighted average of Columns (I) through (4), with a weight of I% assigned to Column (1), I2% assigned to Column (2),
23% assigned to Column (3), and 64% assigned to Column (4).
l t
MPIUA's Current Wind Percentage Deductible Factors *

.
EC Deductible
Factors for
Wind AOP Building and
Deductible Deductible Non-Building
Amount Amount Structures
100 0.99
250 0.93
1% 500 0.88
1,000 0.72
2,500 0.49
100 0.92
250 0.86
2% 500 0.81
1,000 0.72
2,500 0.49
100 0.82
250 0.77
5% 500 0.71
1,000 0.63
2,500 0.48
Notes
* Deductible factors provided by the MP!UA.
065

Dwelling Property -- EC
-
All Peril EC
Deductible Deductible
Amount Factors
100 1.10
250 1.00
500 0.91
1,000 0.76
L ....
2,500 --
0.50
Notes
l j

.
EC Deductible
Factors for
Named Storm AOP Building and
100 1.009
250 0.944
1% 500 0.889
1,000 0.733
2,500 0.494
100 0.936
250 0.886
2% 500 0.831
1,000 0.731
2,500 0.492
100 0.861
250 0.813
5% 500 0.752
1,000 0.662
2,500 0.484
Notes
(I) ~[Exhibit 2, Page 2, Column (I)] +{[Exhibit 2, Page 3, Column (I)]- [Exhibit 2, Page 2, Column (I)]} *[Exhibit 2, Page I, Column (5)]
067
MASSACHUSETTS PROPERTY INSURANCE Exhibit2
Percent Increase to Convert from a Wind% Deductible to a Named Storm% Deductible

Percent
Wind AOP Increase in
Deductible Deductible Deductible
Amount Amount Factors
100 1.9%
250 1.5%
1% 500 1.0%
1,000 1.8%
2,500 0.8%
100 1.7%
250 3.0%
2% 500 2.6%
1,000 1.5%
2,500 0.4%
100 5.0%
250 5.6%
5% 500 5.9%
1,000 5.1%
2,500 0.8%
Notes
(I) ~[Exhibit 2, Page 4, Column (I)] I [Exhibit 2, Page 2, Column (I)]- I
3

Dwelling Property -- EC for Contents *
(1) (2) (3) (4) (5) (6)

CurrentEC Indicated EC Percent Increase
1 °/o, 2 o/o, or 5°/o Current EC 1o/o, 2 o/o, or 5°/o to Convert from
AOP Wind or Hail All Peril Named Storm a Wind% to a
Deductible Deductible Deductible Interpolation Deductible Named Storm %
Amount Factors Factors Factors Factors Deductible
100 1.07 1.10 0.136 1.074 0.4%
250 0.99 1.00 0.192 0.992 0.2%
500 0.90 0.91 0.237 0.902 0.2%
1,000 0.72 0.76 0.279 0.731 1.5%
2,500 0.49 0.50 0.289 0.493 0.6%
Notes
* Only used ifpolicy also covers building or non-building structures.
(2) Provided by the MPIUA.
(3) Provided by the MPIUA. All peril deductibles correspond to the AOP deductible shown in Column (1).
(4) Equal to the average of the interpolationfators shown in Exhibit 2. Page I. Column (5) across the I%, 2%, and 5% wind deductible options.
(5) ~ (2) + [(3)-(2)}*(4), rounded to the nearest thousandth.
(6) ~ (5)1(2)- I
069
Factors Used for Interpolating Between Wind and All Peril Deductible Factors (Calculated based on HO Experience)
- - - . (5)
Coveral(e A Limit Selected
Wind AOP 100,000 200,000 Interpolation
Dednctible Dednctible Up to to to 300,000 Factors for
Amonnt Amonnt 99,999 199,999 299,999 and Over Dwelling
100 0.293 0.352 0.147 0.126 0.159
500
250 0.684 0.550 0.377 0.147 0.253
100 0.293 0.352 0.147 0.126 0.159
I ,000 250 0.684 0.550 0.377 0.147 0.253
500 0.176 0.220 0.293 0.440 0.377
100 0.560 0.440 0.293 0.110 0.196
250 0.080 0.088 0.098 0.110 0.104
2,000
500 0.126 0.147 0.220 0.293 0.257
1,000 0.293 0.293 0.293 0.440 0.387
100 0.117 0.126 0.073 0.080 0.084
250 0.176 0.189 0.203 0.220 0.212
5,000 500 0.240 0.196 0.251 0.293 0.271
1,000 0.251 0.251 0.377 0.293 0.307
2,500 0.293 0.293 - 0.293- --
0.293
--
0.293
Notes
(I} From Exhhibit 3, Page 5, Column (1) of the Homeowners Deductible Analysis report prepared for the MPIUA.
(5} Equal to a weighted average of Columns (I) through (4), with a weight of 1% assigned to Column (I), 12% assigned to Column (2),
23% assigned to Column (3), and 64% assigned to Column (4).
© Insnrance Services Office, Inc., 2017
J
MPIUA's Current Wind Fixed Dollar Deductible Factors *

-
EC Deductible
Factors for
Wind AOP Building and
100 1.03
500
250 0.95
100 0.95
1,000 250 0.89
500 0.84
100 0.87
250 0.81
2,000
500 0.76
1,000 0.68
100 0.83
250 0.77
5,000 500 0.72
1,000 0.64
2,500 0.49
.........
Notes
* Deductible factors provided by the MP IUA.
071

Dwelling Property -- EC
-
All Peril EC
Deductible Deductible
Amount Factors
100 1.10
250 1.00
500 0.91
1,000 0.76
2,500 -·
0.50
Notes
)

-
EC Deductible
Factors for
Named Storm AOP Building and
100 1.041
500
250 0.963
100 0.974
1,000 250 0.918
500 0.866
100 0.915
250 0.830
2,000
500 0.799
1,000 0.711
100 0.853
250 0.819
5,000 500 0.772
1,000 0.677
2,500 0.493
Notes
(!) ~[Exhibit 4, Page 2, Column(!)] +{[Exhibit 4, Page 3, Column(/)]- [Exhibit 4, Page 2, Column(/)]} *[Exhibit 4, Page/, Column (5)]
073
Percent Increase to Convert from a Wind$ Deductible to a Named Storm $Deductible

Percent
Wind AOP Increase in
Deductible Deductible Deductible
Amount Amount Factors
100 1.1%
500
250 1.4%
100 2.5%
1,000 250 3.1%
500 3.1%
100 5.2%
250 2.5%
2,000
500 5.1%
1,000 4.6%
100 2.8%
250 6.4%
5,000 500 7.2%
1,000 5.8%
2,500 0.6%
Notes
(I} ~[Exhibit 4, Page 4, Column (I)} I [Exhibit 4, Page 2, Column (I)}- I
\. i

Dwelling Property -- EC for Contents *
(1) (2) (3) (4) (5) (6)

CurrentEC Indicated EC Percent Increase
1000, 2000, or 5000 CurrentEC 1000, 2000, or 5000 to Convert from
AOP Wind or Hail All Peril Named Storm a Wind% to a
Deductible Deductible Deductible Interpolation Deductible Named Storm %
Amount Factors Factors Factors Factors Deductible
100 0.97 1.10 0.147 0.989 2.0%
250 0.90 1.00 0.190 0.919 2.1%
500 0.82 0.91 0.302 0.847 3.3%
1,000 0.68 0.76 0.347 0.708 4.1%
2,500 0.49 0.50 0.293 0.493 0.6%
Notes
* Only used ifpolicy also covers building or non-building structures.
(2) Provided by the MPIUA.
(3) Provided by the MPIUA. All peril deductibles correspond to the AOP deductible shown in Column (I).
(4) Equal to the average of the interpolationfators shown in Exhibit 4, Page I, Column (5) across the $IOOO, $2000 and $5000 wind deductible options.
(5) ~ (2) + [(3)-(2)}*(4), rounded to the nearest thousandth.
(6) ~ (5)1(2)- I
075
Historical Incurred Catastrophe Losses

Dwelling Property
(I) (2) (3) (4) (5) (6) (7)

Case Percenta~e Distribution of Losses Case Incurred Catastrophe Losses
Incurred Wind and Wind and
Accident Catastrophe Winter Thunderstorms Named Winter Thunderstorms Named
Year Losses Storms Events Storms Storms Events Storms
2000 83,161 44.6% 55.4% 0.0% 37,131 46,030 -
2001 n.a. n.a. n.a. - - -
2002 n.a. n.a. n.a. - - -
2003 62,519 74.2% 25.8% 0.0% 46,376 16,143 -
2004 142,674 100.0% 0.0% 0.0% 142,674 - -
2005 241,742 44.6% 55.4% 0.0% 107,788 133,954 -
2006 301,434 42.9% 57.1% 0.0% 129,261 172,173 -
2007 596,288 0.0% 100.0% 0.0% - 596,288 -
2008 392,850 100.0% 0.0% 0.0% 392,850 - -
2009 n.a. n.a. n.a. - - -
2010 1,381,275 33.8% 66.2% 0.0% 467,095 914,180 -
2011 4,951,256 8.2% 72.4% 19.4% 403,807 3,586,134 961,316
2012 970,209 0.0% 0.0% 100.0% - - 970,209
2013 n.a. n.a. n.a. - - -
2014 543,077 82.9% 17.1% 0.0% 450,199 92,878 -
2015 3,324,611 93.1% 6.9% 0.0% 3,094,157 230,453 -
2016 1,192,378 100.0% 0.0% 0.0% 1,192,378 - -
Notes
(1) Based on infOrmation provided by the MPJUA. Losses are evaluated as of 3131117.
(2) to (4) For years 2000 to 2011: Calculated based on Extended Coverage catastrophe losses reported in historical financial statements.
See explanatmy memorandum for details.
For years 2012 to 2016: Calculated based on loss iriformationprovided by the MPIUA.
See explanat01y memorandum fOr details.
(5) ~ (1)'(2)
(6) ~ (/) '(3)
(7) ~ (I) '(4)
076
Wind Losses Due to Winter Storm Catastrophes

Dwelling Property
(1) (2) (3)

Case Inc. Case Inc.
Losses Wind Losses
Dneto Dneto
Accident Winter Storm Wind Winter Storm
Year Catastrol!hes Percentage Catastrol!hes
2000 37,131 3.2% 1,201
2001 3.2%
2002 3.2%
2003 46,376 3.2% 1,500
2004 142,674 3.2% 4,616
2005 107,788 3.2% 3,487
2006 129,261 3.2% 4,182
2007 3.2%
2008 392,850 3.2% 12,709
2009 3.2%
2010 467,095 3.2% 15,111
2011 403,807 3.2% 13,063
2012 n.a.
2013 n.a.
2014 450,199 0.3% 1,177
2015 3,094,157 4.4% 135,492
2016 1,192,378 1.4% 16,568
Notes
(I) From Appendix A, Page 1, Column (5)
(2) For years 2012 to 2016: Calculated based on loss information provided by the MPJUA.
with weights from Column (1).
(3) ~ (1)*(2)
©Insurance Services Office, Iuc., 2017
077
Wind Losses Due to Wind and Thunderstorm Catastrophes

Dwelling Property
(1) (2) (3)

Case Inc. Case Inc.
Losses Wind Losses
Due to Due to
Wind and Wind and
Accident Thunderstorm Wind Thunderstorm
Year Catastro(!hes Percentage Catastro(!hes
2000 46,030 96.8% 44,552
2001 96.8%
2002 96.8%
2003 16,143 96.8% 15,625
2004 96.8%
2005 133,954 96.8% 129,651
2006 172,173 96.8% 166,643
2007 596,288 96.8% 577,136
2008 96.8%
2009 96.8%
2010 914,180 96.8% 884,817
2011 3,586,134 96.8% 3,470,950
2012 n.a.
2013 n.a.
2014 92,878 95.3% 88,477
2015 230,453 97.4% 224,469
2016 n.a.
Notes
(2) For years 2012 to 2016: Calculated based on loss i'![ormation provided by the MPIUA.
with weights from Column(!).
(3) ~ (I) *(2)
078
Wind Losses Due to Named Storm Catastrophes

Dwelling Property
(1) (2) (3)

Case Inc. Case Inc.
Losses Wind Losses
Due to Due to
Accident Named Storm Wind Named Storm
Year Catastrouhes Percentage Catastrouhes
2000 99.1%
2001 99.1%
2002 99.1%
2003 99.1%
2004 99.1%
2005 99.1%
2006 99.1%
2007 99.1%
2008 99.1%
2009 99.1%
2010 99.1%
2011 961,316 99.1% 953,049
2012 970,209 99.1% 961,866
2013 n.a.
2014 n.a.
2015 n.a.
2016 n.a.
Notes
(2} For years 2012 to 2016: Calculated based on loss information provided by the MPIUA.
For years 2000 to 2011: Equal to the weighted average of Column (2)for years 2012 to 2016,
with weights from Column (I).
(3) ~ (1)*(2)
079
MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION (MPIUA)
HOMEOWNERS 2000 PROGRAM MANUAL PAGES
MPIUA MASSACHUSETTS STATE PAGES EFFECTIVE AS OF 07 01 2010 04-01 -2018
PAGE CHECKLIST FOR MASSACHUSETTS STATE PAGES TO BE USED IN CONJUNCTION

WITH MULTISTATE RULES OF HOMEOWNERS 2000 PROGRAM DISTRIBUTED BY ISO
WITH MULTISTATE NOTICE HO-MU-2000-RU-001 .
REVISED AND/OR NEW PAGE NUMBERS ARE UNDERLINED
EXCEPTION PAGES
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HO-E-10 3rd Edition 7-10
MPIUA EXCEPTION PAGES

MPIUA-HO-EXC-1 thru HO-EXC-2 4th 5th Edition Effective 12 1 & 2007 04-01 -2018
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HO-R-1 Effective 12- 31 - 2001
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ISO's MULTISTATE NOTICE HO - MU- 2000- RU - 001 DISPLAYS THE LATEST

PAGE INFORMATION FOR MULTISTATE RULES PAGES TO BE USED.
080
HOMEOWNERS POLICY PROGRAM MANUAL MASSACHUSETTS (20)
ADDITIONAL EXCEPTION(S) TO GENERAL RULES
C. Optional Higher Deductibles

RULE 406.
DEDUCTIBLES 1. All Perils Deductible
To compute the premium for this deductible
The following replaces Rule 406 Oeductibles:
type, multiply the Base Premium by the factors
selected from the following table:
RULE 406. All Forms Except HO 00 04 And HO 00 06
DEDUCTIBLES
Deductible Amounts
All policies are subject to a deductible that applies to Coverage A Limit $500 $1,000 $2,500
loss from all Section I Perils, except Earthquake. A
Up to $59,999 .91 .79 .62
separate deductible provision applies to Earthquake
Coverage as described in Rule 505. $60,000 to 99,999 .91 .79 .62
100,000 to 200,000 .92 .79 .62
A. Base Deductible
200,001 and Over .96 .89 .75
$250 Deductible.
HO 00 04
B. Optional Deductibles
Coverage C Limit $500 $1,000 $2,500
1. Additional Premium Charge
Up to $25,000 .91 .77 .59
a. The options in Paragraphs 2. and 3. are $25,001 and over .93 .84 .68
subject to a minimum and maximum addi-
tional premium charge. HO 00 06
b. Refer to the state company rates for these Coverage C Limit $500 $1,000 $2,500
charges. Up to $40,000 .90 .76 .56
2. $100 Deductible $40,001 and over .92 .81 .63
To compute the premium for this option, multiply Table 406.C.1. All Perils Deductibles Factors
the Base Premium by a factor of 1.1 0.
3. $250 Theft Deductible 2. Theft Deductible (Forms HO 00 04 And
All forms except HO 00 05, HO 00 04 with Spe- HO 00 06 Only)
cial Personal Property Coverage Endorsement a. Deductible Amounts
HO 05 24 and HO 00 06 with Unit-Owners Cov-
erage C (Special Coverage) Endorsement This option provides for higher Theft de-
HO 17 31 . ductible amounts of $1 ,000 and $2,500 to be
used in conjunction with the deductible that
a. The theft deductible applies to Coverage C - applies to All Other Section I Perils.
Personal Property and is available only
when: b. Declarations Instructions
(1) A $100 deductible applies to All Other Separately enter, on the policy declaration,
Perils; or the deductible amounts that apply to Theft
and All Other Section I Perils.
(2) A higher deductible applies to the peril ef
VVindsterFR er 1=4ail Named Storm, as de-
scribed in Paragraph C.3., and a $100
deductible applies to All Other Perils.
b. When the $100 deductible applies to All
Other Perils, compute the premium by multi-
plying the Base Premium by a factor of:
(1) 1.09 for all forms except HO 00 04 and
HO 00 06; or
(2) 1.05 for Forms HO 00 04 or HO 00 06.
c. When a higher VIJindsterFR er 1=4ail Named
Storm and $100 All Other Perils deductible
applies, subtract a factor of .01 from the fac-
tors shown in Paragraphs C.3.a.(6) or
C.3.b.(5).
MPIUA-HO-EXC-1 5th Edition 04-01-18

Copyright, Insurance Services Office, Inc., 2000
081
RULE406. 3. Win~storm Or l=lail Co~YGtibles Named Storm(AII

Forms Except
DEDUCTIBLE$ (Cont'd)
HO 00 04 And HO 00 06)
The following deductible options are used in
c. Deductible Factors conjunction with the deductible applicable to All
(1) Form HO 00 04 Other Section I Perils.
a. Percentage Deductibles
All Other (1) Deductible Amounts
Perils This option provides for higher WffiG-
Deductible storm or Hail Named Storm percentage
Theft Deductible Amount Coverage C Limit deductibles of 1%, 2% or 5% of the Cov-
Territory Amount Up to $25,001 erage A limit of liability when the dollar
$25,000 and over amount of the percentage deductible se-
City $ 1,000 $ 100 .87 .92 lected exceeds the amount of the de-
ductible applicable to All Other Section I
250 .84 .90
Perils .
500 .81 .87
(2) Endorsement
$ 2,500 $ 100 .74 .83
250 .72 .81 Use WinastorFR Or Hail Percenla§!o Do
a~:~ctiele
E:naorsement 1=10 03 1 :il. Attach
500 .69 .78 Named Storm Deductible Endorsement
1000 .64 .74 HO XX XX to the policy and enter on the
Other $ 1,000 $ 100 .93 .95 policy declarations the dollar amount of
Than 250 .88 .92 the percentage deductible that applies to
Named Storm and the dollar amount that
City 500 .84 .89 applies to All Other Section I Penis
$ 2,500 $ 100 .83 .88
Example
250 .80 .85
• Deductible - Section I $250 except
500 .75 .82
Named Storm$ (1% of Coverage A
1000 .69 .77 limit)
Table 406.C.2.c.(1) Theft Deductible Factors • Deductible - Sect1on I $100 except
- $250 for Theft of Personal Property
(2) City And Other Than City Territories and
(Form HO 00 04 Only) - Named Storm $ (2% of the Coverage
Refer to state Territory Pages, Para- A lim11)
graph 2.A. for a listing of City Territories (3) Declarations Instructions
and 2.8 . for Other Than City Territories.
Enter, on the policy declarations, the
percentage amount that applies to WffiG-
(3) Form HO 00 06 storFR or Hail Named Storm and the dol-
lar amount that applies to All Other Sec-
All Other tion I Perils. For example:
Perils • Deductible - WinastorFR or Hail
Deductible
Named Storm 1% of Coverage A limit
Theft Deductible Amount Coverage C Limit
and $250 for All Other Perils.
Up to $40,001
Amount $40,000 and over • Deductible - VIJinastoFFR or Hail
Named Storm 2% of the Coverage A
$ 1,000 $ 100 1.01 1.00 limit, $250 for Theft of Personal
250 .95 .96 Property and $100 for All Other.
500 .87 .90 (4) Deductible Application
$ 2,500 $ 100 .97 .97 In the event of a WinastorFR or Hail
250 .91 .92 Named Storm loss to covered property,
500 .83 .86 the dollar amount is deducted from the
1000 .72 .77 total of the loss for all coverages. For ex-
ample:
Table 406.C.2.c.(3) Theft Deductible Factors
MPIUA-HO-EXC-2 5th Edition 04-01 -18

082
RULE 406. 5% Windstorm Or Hail Named Storm Deductible

DEDUCTIBLES (Cont'd) All Other Coverage A Limit (Expressed In$)
Perils 100,000
Ded. Up To 60,000 To To 200,001 &
Amount Of Loss Amount 59,999 99,999 200,000 Over
Limit Of Before After $ 100 ,W.996 ,w .996 ,.99 .995 4-,001 .015
Cov. Liability 1% Ded. Ded. Ded. 250 .,gg .898 .,gg .898 ,.9..1- .924 .,W.944
A $100,000 $1 ,000 $7,500 - 500 ~. 830 ~.830 M .853 .,W.906
c 50,000 3,000 - 1,000 ~ . 735 ~. 735 .,+J.746 ~. 844
B 10,000 1,350 - 2,500 ,.W.603 ,.W.603 ,.W.599 .,.f.Q. 710
D 20,000 660 - Table 406.C.3.a.(6)#3 5% Windstorm Or Hail Named
$12,510 $11 ,510 Storm Deductible
Table 406.C.3.a.(4) Example
(5) Use Of Factors b. Higher Fixed-Dollar Deductibles
The factors displayed in Paragraph (6) (1) Deductible Amounts
incorporate the factors for the All Peril This option provides for higher fixed-
Deductibles shown in Paragraphs 8.3. dollar deductible amounts of $1 ,000,
and C.1. Do not use the factors for the $2,000 and $5,000 when the dollar
All Perils Deductibles when rating a poli- amount of the higher fixed-dollar deduct-
cy with a higher Windstorm Or Hail ible selected exceeds the amount of the
Named Storm deductible. deductible applicable to All Other Section
(6) Deductible Factors I Perils.
To compute the premium for this provi- (2) Endorsement
sion, multiply the Base Premium by the An endorsement is not required . Attach
factor selected from the following tables Named Storm Deductible Endorsement
for the deductible amounts desired: HO XX XX to the policy
(3) Declarations Instruction
1% IJ!Jimlstorm Or Hail Named Storm Deductible Separately enter, on the policy declara-
All Other Coverage A Limit (Expressed In$) tions, the deductible amounts that apply
to Windstorm Or Hail Named Storm and
Perils 100,000 All Other Section I Perils. For example:
Ded. Up To 60,000 To To 200,001 & $1 ,000 for V\lindstorm Or Hail Named
Amount 59,999 99,999 200,000 Over Storm and $250 for All Other Perils.
$ 100 ~1 . 068 ~1 . 062 ~1 . 064 ~1 . 046
(4) Use Of Factors
250 .,00.988 .W .988 .W .968 .W .968
The factors displayed in Paragraph (5)
500 ,gij.899 .,W.899 ,gij.895 .,W.939
incorporate the factors for the All Perils
1,000 - - .,+g, 784 ,.8g.883 Deductibles shown in Paragraphs 8 .3.
2,500 - - - .,74.744 and C.1. Do not use the factors for the
All Perils Deductibles when rating a poli-
Table 406.C.3.a.(6)#1 1% Win£1storm Or Hail Named cy with a higher V\lindstorm Or Hail
Storm Deductible Named Storm deductible.
(5) Deductible Factors
2% Windstorm Or Hail Named Storm Deductible
To compute the premium for this provi-
All Other Coverage A Limit (Expressed In $) sion, multiply the Base Premium by the
Perils 100,000 factor selected from the following tables
Ded. Up To 60,000 To To 200,001 & for the deductible amounts desired:
Amount 59,999 99,999 200,000 Over
$500 Windstorm Or Hail Named Storm Deductible
$ 100 ~ 1 . 035 ~1 . 035 ~1 . 035 ~1025
All Other Coverage A Limit (Expressed In$)
250 .,W.955 .,W.955 ~. 949 ~. 92 1
,g&_867 ,g&_867 .,g+.876 ,.9..1-.921 Perils 100,000
500
.,ga Ded . Up To 60,000 To To 200,001 &
1,000 .,+f,.773 .,+f,.773 .,+f,.771 Amount 59,999 99,999 200,000 Over
2,500 - - ,.eG .609 .72: .726 $ 100 -1-,.001 .069 4-,W.1 .076 .:1-,00 1.084 .:1-,001.081
Table 406.C.3.a.(6)#2 2% Windstorm Or Hail Named 250 .,.W.994 .,.W.994 ,.99.995 ,.99.992
Storm Deductible
MPIUA-HO-EXC-3 2nd Edition 04-01-18

083
Table 406.C.3.b.(5)#1 $500 Windstorm Or Wail Named

Storm Deductible
DeduGtlble amount of $5GG 1s also a'Jailable •.v1th the follow
RULE 406.
1ng deduGtlble faGtors
DEDUCTIBLES (Cont'd)
$500 WiRdstorm or ~ail DeduGtible
Coverage A limit
$1,000 !Alindstorm Or WaiiNamed Storm Deductible All
All Other Coverage A Limit (Expressed In$) OtAef
Perils $60,000 $~ 00, 000
Perils 100,000
Dod. Yp to to to $200;004
Ded. Up To 60,000 To To 200,001 & Am ouRt $58,888 88,888 :.lOO,OOO aRd over
Amount 59,999 99,999 200,000 Over
$ 100 +001 041 ~1048 ~1064 ~1.064 $ ~00 ~ . 06 ~ . 01 ~ . 08 ~. 0 8
250 -9a.984 -9a 984 ,.91 986 ,.98 984 $:150 .88 .88 ,89 .98
500 .,W.885 .,w 885 ,.w 904 -9a 954
The followmg paragraph IS adaed-

Table 406.C.3.b(5)#1 $1 ,000 Windstorm Or Wail Named
Storm Deductible
D. Minimum Windstorm or Wail Named
$2,000 Windstorm Or WaiiNamed Storm Deductible StormDeductible Requirement -
Aii'Forms Except HO 00 04 and HO 00 06
All Other Coverage A Limit (Expressed In $)
Perils 100,000
Ded. Up To 60,000 To To 200,001 & 1. For a reduced premium, a minimum WiJ:lG..
Amount 59,999 99,999 200,000 Over
storm or Hail Named Storm deductible ap-
$ 100 ,.981 042 4-,001.050 ~1 . 056 .t--041 048 plies to all policies provided that the dollar
250 -9+ 917 -Q2 926 -9a.954 -00 964 amount of the minimum deductible accord-
500 .,ga.858 .,ga 858 .,w 886 -W.938 ing to this rule exceeds the amount of the
1,000 ~762 ~762 ~776 .,w 884 deductible applicable to All Other Section I
Table 406.C.3.b(5)#2 $2,000 \3Jindstorm Or Wail Named perils. This minimum deductible varies by
Storm Deductible Coverage A limit and distance of the proper-
ty from the coast as shown in Table A and
Table B. The Named Insured may select a
higher fixed-dollar deductible or a percent-
age deductible with a dollar amount that ex-
$5,000 Windstorm Or Hail Named Storm Deductible
ceeds the applicable Minimum Windstorm
GF-MaH Named Storm Deductible amount.
All Other Coverage A Limit (Expressed In$)
Perils 100,000 2. To compute the premium for this provision,
De d. Up To 60,000 To To 200,001 & use the Coverage A limit and location of the
Amount 59,999 99,999 200,000 Over risk to determine the applicable Minimum
$ 100 -00 975 ,.97 984 ~1 . 020 +001 025 Windstorm or Hail Named Storm Deductible
250 .,w 901 ..gg 909 -Q2 935 ,.94.953 and then follow the instructions given in
500 . ~. 842 ~. 8 42 .,ga 864 -9+924 C.3.a. (5) and C.3. a. (6) for a percentage
1,000 +;, 738 +J.738 -+a 760 -89 869 deductible and in C.3.b. (4) and C.3.b. (5)
2,500 ~592 ,.w 599 .,w 606 .,.74 743 for a higher fixed-dollar deductible .
Table 406.C.3.b.(5)#3 $5,000 Windstorm Or Wail Named
Storm Deductible
ADDITIONAl iXCEPTIONS (S) TO GeNERAl RUl ES
406. DeDUCTIBlES
Tho follo ...ling 1s added to paragraph C.J b. H1gher f1xed

Dollar DeduGtibles:
MPIUA-HO-EXC-4 2nd Edition 04-01 -18

084
HOMEOWNERS POLICY PROGRAM MANUAL MASSACHUSETTS(20)
RULE 406. Mitigation As Per Rule Deductible

DEDUCTIBLES (Cont'd) Steps Taken (406.0 .3.) Requirement
All (D.7.i-v) Any All Perils Deductible

Minimum 'A'il'ld&term Or j.lail Named Storm Deductible
By Coverage Roof & Foundation 5% 1%
A Limit And Distance Of The Property From The Coast
(D.7.v) 5% 1%
Table A 2% All Perils Deductible
1% All Perils Deductible
5,000 1,000
Cov A Entire Barnstable County Rest of State 2,000 All Perils Deductible
Amt In Dukes & With in More than With in More 1,000 All Perils Deductible
than
(000) Nantucket Yz mile Y. mile Yz mile Yz mile Roof Only 5% 2%
Counties of Coast from Coast of Coast from
Coast (D.7.v) 2% 1%
Up to 99 2% 2% 2% 1% s 5,000 1,000
100 - 199 2% 2% 2% 1% E 2,000 500
200-299 5% 2% 2% 1% E 1,000 All Perils Deductible
300-399 5% 2% 2% 1%
400-499 5% 2% 2% 1% T All Windows& 5% 2%
500-599 5% 2% 2% 2% A All Glass Doors 2% 1%
600-699 5% 5% 2% 2% B
700-799 5% 5% 2% 2% L (D.7.i-iii) 1% All Perils Deductible
800-899 5% 5% 2% 2% E 5,000 1,000
900-999 5% 5% 2% 2% 2,000 500
1000 5% 5% 2% 2% B 1,000 All Perils Deductible
6. If the VVin9storm or Hail Named Storm Deductible is

Table B
removed or reduced as per column (3), for premium
All Coverage A Limit computation use the VVin9storm or Hail Named
Other Storm Deductible Factor corresponding to the appli-
Perils $60,000 $125,000 $250,000 cable Minimum Win9storm or Hail Named Storm
Ded. Up to to to to $600,000 Deductible shown in column (2).
Amount $59,999 124,999 249,999 599,999 and Over
$ 100 NONE $500 $1000 $2000 $5000
$ 250 NONE $500 $1000 $2000 $5000 Example (1): Consider a home in Dukes County
$500 NONE NONE $1000 $2000 $5000 with Coverage A Amount of $250,000 and All
$1000 NONE NONE NONE $2000 $5000 Perils Deductible of $500. According to the Rule
$2500 NONE NONE NONE NONE $5000 406. D. 3 . Table A. a Minimum Win9storm or
l=taU Named Storm Deductible of 5% will apply to
The Minimum \Nim:lstorm or Hail Named Storm Deducti- the policy. To compute the premium for this pro-
ble as shown in Table A and B may be removed or revision i.e. All Perils Deductible of $500 and
duced as shown in Table C below if the Insured has tak- Win9storm or Hail Named Storm Deductible of
en all or some of the required measures (See D.7.) to 5% with Coverage A Amount of $250,000 multi-
protect their home from wind damage. ply the Base Premium with the Deductible Fac-
tor of .89 (i.e. a credit of 11 %) according to the
Rule 406. C.3.a. (6). See Table 406.C.3.a.(6)#3.
5. Requirements for Removal or Reduction of
Minimum Wil'ldsterm 9r Mail Named Storm De- __Suppose the insured has taken the required
ductible mitigation steps for Roof & Foundation con-
nections (D.7.v.) only. Then the Win9storm or
Table C tffiil Named Storm Deductible of 5% is re-
duced to 1% as per Column (3) of Rule 406.
(1) (2) (3) D. 5. Table C. For premium computation , in
lieu of using Deductible Factor of .93 (i.e. a
WiREisterm er j.lail Named Storm credit of 7%) corresponding to All Perils De-
Revised
ductible of $500 and Win9storm or Hail
Deductible 'JIJiREisterm
Requirement ~
MPIUA-HO-EXC-5 1st Edition 04-01-18

Copyright, Insurance Services Office, Inc. , 2000
085
RULE 406. than 8'x4'. The plywood must overlap

DEDUCTJBLES (Cont'd) the opening by 4" on each side.
• Must be pressure treated to resist mois-
Named Storm Deductible of 1%, see Table ture damage and stored inside.
406.C.3.a.(6)#1, use the Deductible Factor of
.89 (i.e. a credit of 11 %) corresponding to the • All panels must be pre-cut, pre-drilled and
All Perils Deductible of $500 and Windstorm labeled for ease of installation. Four X"
~ Named Storm Deductible of 5% as holes must be drilled in the center area of
provided in Rule 406. D. (6) . each panel to relieve pressure during a
hurricane.
Example (2): Consider a home in Barnstable
County with a Coverage A Amount of • Plywood panels up to 3' x 4' must use Y."
$250,000 and All Perils Deductible of $500. bolts that have contact with the wall an-
According to the Rule 406. D. 3. Table A, a chor of at least 1X " on frame or masonry
Minimum Windstorm or Hail Named Storm walls. Larger sheets of plywood require
Deductible of 2% will apply to the policy. To
3/8" bolts that have contact with the wall
compute the premium for this provision i.e. All
Perils Deductible of $500 and Windstorm or anchor of at least 1%" on frame walls and
Mail Named Storm Deductible of 2% with 1W' on masonry walls.
Coverage A Amount of $250,000 multiply the • The building must be pre-drilled for wall
Base Premium with the Deductible Factor of anchors. The anchors and corresponding
.91 (i.e. a credit of 9%) according to the Rule
406. C.3.a. (6). See Table 406.C.3.a.(6)#2. bolts must be kept in the wall at all times.
The holes for the bolts must be 2W' from
Suppose the insured has taken the required the edge of the plywood at intervals of not
mitigation steps for Roof & Foundation con- greater than 12".
nections (D.7.v.) only. Then the IJVindslorm or • All bolts and wall anchors must be corro-
MaH Named Storm Deductible of 2% is re-
sion resistant.
moved and the policy is then subject to All
Perils Deductible of $500 as per Column (3) of
Rule 406. D. 5. Table C. For premium compu- ii. Entry Doors: Installation of at least 3 hinges
tation, in lieu of using Deductible Factor of .96 and a dead bolt security lock with a bolt at
(i.e. a credit of 4%) corresponding to All Perils least one inch long.
Deductible of $500 with Coverage A Amount
of $250,000 , see Table 406.C.1, use the De- iii. Patio Doors: Sliding glass doors are more
ductible Factor of .91 ( i.e. a credit of 9%) cor- vulnerable to wind damage than most other
responding to the All Perils Deductible of $500 doors. Installation of impact resistant door
and VIJindstorm or Hail Named Storm Deduct- systems made of laminated glass or plastic
ible of 2% as provided in Rule 406. glazing is necessary to prevent flying debris
D.(6).according to the Rule 406. C.3.a. (6). from breaking the glass.
See Table 406.C.3.a.(6)#3.
iv. Garage Doors: Because of their size, garage
7. The measures required to protect a home from major doors are highly susceptible to wind damage .
wind damage and to remove or reduce the minimum Install a garage door and track system that is
windstorm or hail named storm deductible include labeled and rated for high wind pressures and
installation of: debris impact. One such label is SBCC1
(Standard Building Code Congress Interna-
i. Windows: Installation of impact resistant tional) . Or, proof that a qualified inspector has
glass or impact resistant shutters that close determined your garage door and track sys-
over window openings to prevent flying debris tem can resist high winds and has installed
from breaking window panes. If Plywood permanent metal stiffeners.
Shutters are being used, the following guide-
lines must be followed : v. Roof and Foundation Connections: The
points where the roof and the foundation meet
• Minimum 5/8" thickness the walls of the home are extremely important
• Must not be used on openings greater
MPIUA-HO-EXC-6 1st Edition 04-01 -1 8

Copyright, Insurance Services Office, Inc. , 2000
086
RULE 406. F. MPIUA Requirement

Use appropriate Limited Fungi, Wet or Dry Rot or
Bacteria Coverage Endorsement with all Home-
if it is to resist high winds and pressures they owners policies. Increased limits as shown in par-
place on the entire structure. agraph B. are available.
a. The roof must be anchored to the

walls wilh melal clips and straps.
b. The walls must be properly anchored
to the foundation.
c. If the house is more than one story,
the upper story wall framing must be
firmly connected to the lower framing
Required Documentation:
1. Proof that these measures have been made
is required for the wind deductible to be
removed or reduced. Proof may be obtained
by the receipt of signed statement from a
qualified contractor certifying these
measures are in place. A copy of the
certificate must be submitted with the
application.
SPECIAL STATE REQUIREMENTS
ADDITIONAL RULE
Rule A2
LEAD POISONING EXCLUSION AND COVERAGE OPTION
Paragraph F.1. is replaced by the following:
1. Reduced Premium Development
When Lead Poisoning Exclusion Endorsement HO

24 41 is attached to the policy, calculate reduced pre-
miums as follows:
a. Primary Location
If the primary location is a 2 or more family dwell-
ing or a condominium unit multiply the BASE
PREMIUM plus any additional premium for Cover-
age E increased limits by a factor of .97.
b. Additional Locations
For each additional location, multiply the coverage
E basic limits premium, or, if applicable, the in-
creased limits premium by a factor of .97.
Rule AS
LIMITED FUNGI, WET OR DRY ROT OR BACTERIA

COVERAGE
The following paragraph is added:

087
HOMEOWNERS 2000 PROGRAM MANUAL PAGES
MPIUA MASSACHUSETTS STATE PAGES EFFECTIVE AS OF 04 • 01 - 2018
PAGE CHECKLIST FOR MASSACHUSETTS STATE PAGES TO BE USED IN CONJUNCTION

WITH MULTISTATE RULES OF HOMEOWNERS 2000 PROGRAM DISTRIBUTED BY ISO
WITH MULTISTATE NOTICE HO-MU-2000-RU-001.
REVISED AND/OR NEW PAGE NUMBERS ARE UNDERLINED
EXCEPTION PAGES
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MPIUA-HO-EXC-1 thru HO-EXC-2 5th Edition Effective 04 - 01 - 2018
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TERRITORY PAGES
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HO-B-1 Effective 03-31 - 2010
CLASSIFICATION PAGES
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HO-R-1 Effective 12-31 -2001
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ISO's MULTISTATE NOTICE HO- MU • 2000- RU- 001 DISPLAYS THE LATEST
088
ADDITIONAL EXCEPTION($) TO GENERAL RULES
C. Optional Higher Deductibles

RULE 406.
DEDUCTIBLE$ 1. All Perils Deductible
To compute the premium for this deductible
The following replaces Rule 406 Deductibles: type. multiply the Base Premium by the factors
selected from the following table:
RULE 406. All Forms Except HO 00 04 And HO 00 06
DEDUCTIBLES
Deductible Amounts
All policies are subject to a deductible that applies to Coverage A Limit $500 $1,000 $2,500
loss from all Section I Perils, except Earthquake. A
Up to $59,999 .91 .79 .62
separate deductible provision applies to Earthquake
Coverage as described in Rule 505. $60,000 to 99,999 .91 .79 .62
A. Base Deductible 100,000 to 200,000 .92 .79 .62
200,001 and Over .96 .89 .75
$250 Deductible.
HO 00 04
B. Optional Deductibles
Coverage C Limit $500 $1,000 $2,500
1. Additional Premium Charge
Up to $25,000 .91 .77 .59
a. The options in Paragraphs 2. and 3. are $25,001 and over .93 .84 .68
subject to a minimum and maximum addi-
tional premium charge. HO 00 06
b. Refer to the state company rates for these Coverage C Limit $500 $1,000 $2,500
charges. Up to $40,000 .90 .76 .56
2. $100 Deductible $40,001 and over .92 .81 .63
To compute the premium for this option. multiply Table 406.C.1. All Perils Deductibles Factors
the Base Premium by a factor of 1.1 0.
3. $250 Theft Deductible 2. Theft Deductible (Forms HO 00 04 And
All forms except HO 00 05, HO 00 04 with Spe- HO 00 06 Only)
cial Personal Property Coverage Endorsement a. Deductible Amounts
HO 05 24 and HO 00 06 with Unit-Owners Cov-
erage C (Special Coverage) Endorsement This option provides for higher Theft de-
HO 17 31. ductible amounts of $1,000 and $2,500 to be
used in conjunction with the deductible that
a. The theft deductible applies to Coverage C - applies to All Other Section I Perils.
Personal Property and is available only
when: b. Declarations Instructions
(1) A $100 deductible applies to All Other Separately enter, on the policy declaration,
Perils; or the deductible amounts that apply to Theft
and All Other Section I Perils.
(2) A higher deductible applies to Named
Storm, as described in Paragraph C.3.,
and a $100 deductible applies to All
Other Perils.
b. When the $100 deductible applies to All
Other Perils. compute the premium by multi-
plying the Base Premium by a factor of:
(1) 1.09 for all forms except HO 00 04 and
HO 00 06; or
(2) 1.05 for Forms HO 00 04 or HO 00 06.
c. When a higher Named Storm and $1 DO All
Other Perils deductible applies. subtract a
factor of .01 from the factors shown in Par-
agraphs C.3.a.(6) or C.3.b.(5).

089
3. Named Storm Deductible (All Forms Except

HO 00 04 And HO 00 06)
RULE 406.
conjunction with the deductible applicable to All
Other Section I Perils.
c. Deductible Factors a. Percentage Deductibles
(1) Form HO 00 04 (1) Deductible Amounts
This option provides for higher Named
Storm percentage deductibles of 1%, 2%
All Other or 5% of the Coverage A limit of liability
Perils when the dollar amount of the percent-
Deductible age deductible selected exceeds the
Theft Deductible Amount Coverage C Limit amount of the deductible applicable to All
Territory Amount Up to $25,001 Other Section I Perils.
$25,000 and over
(2) Endorsement
City $ 1,000 $ 100 .87 .92
Attach Named Storm Deductible En-
250 .84 .90 dorsement FP HN SP to the policy and
500 .81 .87 enter on the policy declarations the dollar
$ 2,500 $ 100 .74 .83 amount of the percentage deductible that
250 .72 .81 applies to Named. Storm and the dollar
amount that applies to All Other Section I
500 .69 .78
Perils .
1000 .64 .74
Example
Other $ 1,000 $ 100 .93 .95
Than 250 .88 .92 • Deductible - Section I $250 except
Named Storm $_(1% of Coverage A
City 500 .84 .89 limit)
$ 2,500 $ 100 .83 .88
• Deductible - Section I $1 00 except:
250 .80 .85
.75 - $250 for Theft of Personal Property:
500 .82
and
1000 .69 .77
• Named Storm $_(2% of the Coverage
Table 406.C.2.c.(1) Theft Deductible Factors A limit)
(3) Declarations Instructions
(2) City And Other Than City Territories Enter, on the policy declarations, the
(Form HO 00 04 Only) percentage amount that applies to
Refer to state Territory Pages, Para- Named Storm and the dollar amount that
graph 2.A. for a listing of City Territories applies to All Other Section I Perils. For
and 2.8. for Other Than City Territories. example:
• Deductible - Named Storm 1% of
Coverage A limit and $250 for All
(3) Form HO 00 06 Other Perils.
All Other • Deductible -Named Storm 2% of the
Perils Coverage A limit, $250 for Theft of
Deductible Personal Property and $1 00 for All
Theft Deductible Amount Coverage C Limit Other.
Up to $40,001 (4) Deductible Application
Amount $40,000 and over
In the event of a Named Storm loss to
$ 1,000 $ 100 1.01 1.00 covered property, the dollar amount is
250 .95 .96 deducted from the total of the loss for all
500 .87 .90 coverages. For example:
$ 2,500 $ 100 .97 .97
250 .91 .92
500 .83 .86
1000 .72 .77
Table 406.C.2.c.(3) Theft Deductible Factors

090
5% Named Storm Deductible

RULE 406.
DEDUCTIBLES (Cont'd) All Other Coverage A Limit (Expressed In$)
Perils 100,000
Ded. Up To 60,000 To To 200,001 &
Amount 59,999 99,999 200,000 Over
Amount Of Loss
$ 100 .996 .996 .995 1.015
Limit Of Before After
Cov. Liability 1% Ded. Ded. De d. 250 .898 .898 .924 .944
$1,000 $7,500 - 500 .830 .830 .853 .906
A $100,000
c 1,000 .735 .735 .746 .844
50,000 3,000 -
2,500 .603 .603 .599 .710
B 10,000 1,350 -
D 20,000 660 - Table 406.C.3.a.(6)#3 5% Named Storm Deductible
$12,510 $11,510
Table 406.C.3.a.(4) Example b. Higher Fixed-Dollar Deductibles
(5) Use Of Factors (1) Deductible Amounts
The factors displayed in Paragraph (6) This option provides for higher fixed-
incorporate the factors for the All Peril dollar deductible amounts of $1,000,
Deductibles shown in Paragraphs B.3. $2,000 and $5,000 when the dollar
and C.1. Do not use the factors for the amount of the higher fixed-dollar deduct-
All Perils Deductibles when rating a poli- ible selected exceeds the amount of the
cy with a higher Named Storm deducti- deductible applicable to All Other Section
ble. I Perils.
(6) Deductible Factors (2) Endorsement
To compute the premium for this provi- Attach Named Storm Deductible En-
sion, multiply the Base Premium by the dorsement FP HN SF to the policy
factor selected from the following tables (3) Declarations Instruction
for the deductible amounts desired:
Separately enter, on the policy declara-
tions, the deductible amounts that apply
1% Named Storm Deductible Named Storm and All Other Section I
Perils. For example: $1,000 for Named
All Other Coverage A Limit (Expressed In$) Storm and $250 for All Other Perils.
Perils 100,000 (4) Use Of Factors
Ded. Up To 60,000 To To 200,001 &
Amount 59,999 99,999 200,000 Over The factors displayed in Paragraph (5)
$ 100 1.068 1.062 1.064 1.046 Deductibles shown in Paragraphs B.3 .
250 .988 .988 .968 .968 and C.1. Do not use the factors for the
500 .899 .899 .895 .939 All Perils Deductibles when rating a poli-
1,000 - - .784 .883 cy with a higher Named Storm deducti-
ble.
2,500 - - - .744
Table 406.C.3.a.(6)#1 1% Named Storm Deductible
sion, multiply the Base Premium by the
2% Named Storm Deductible factor selected from the following tables
All Other Coverage A Limit (Expressed In $) for the deductible amounts desired:
Perils 100,000 $500 Named Storm Deductible
Ded. Up To 60,000 To To 200,001 & Coverage A Limit (Expressed In $)
All Other
Amount 59,999 99,999 200,000 Over
Perils 100,000
$ 100 1 035 1.035 1.035 1.025
Ded. Up To 60,000 To To 200,001 &
250 .955 .955 .949 .959 Amount 59,999 99,999 200,000 Over
500 .867 .867 .876 .921 $ 100 1.069 1.076 1.084 1.081
1,000 .773 .773 .771 .860 250 .994 .994 .995 .992
2,500 - - .609 .726
Table 406.C.3.a.(6)#2 2% Named Storm Deductible Table 406.C.3.b.(5)#1 $500 Named Storm Deductible
MPIUA-HO-EXC-3 2nd Edition 04-01·18

091
deductible varies by Coverage A limit and

RULE 406. distance of the property from the coast as
DEDUCTIBLES (Cont'd) shown in Table A and Table B. The Named
Insured may select a higher fixed-dollar de-
ductible or a percentage deductible with a
$1,000 Named Storm Deductible dollar amount that exceeds the applicable
All Other Coverage A Limit (Expressed In $) Minimum Named Storm Deductible amount.
Perils 100,000
Ded. Up To 60,000 To To 200,001 & 2. To compute the premium for this provision,
Amount 59,999 99,999 200,000 Over use the Coverage A limit and location of the
$ 100 1.041 1.048 1.064 1.064 risk to determine the applicable Minimum
250 .984 .984 .986 .984 Named Storm Deductible and then follow
500 .885 .885 .904 .954 the instructions given in C.3.a. (5) and C.3.
a. (6) for a percentage deductible and in
C.3.b. (4) and C.3.b. (5) for a higher fixed-
Table 406.C.3.b(5)#1 $1,000 Named Storm Deductible dollar deductible.
$2,000 Named Storm Deductible RULE 406.

All Other Coverage A Limit (Expressed In $) DEDUCTIBLE$ (Cont'd)
Perils 100,000
Ded. Up To 60,000 To To 200,001 & Minimum Named Storm Deductible By Coverage
Amount 59,999 99,999 200,000 Over A Limit And Distance Of The Property From The Coast
$ 100 1.042 1.050 1.056 1 048
Table A
250 .917 .926 .954 .964
500 .858 .858 .886 .938
1,000 .762 .762 .776 .884 CovA Entire Barnstable County Rest of State
Table 406.C.3.b(5)#2 $2,000 Named Storm Deductible Amtln Dukes & Within More than Within More
than
(000) Nantucket %mile %mile %mile %mile
Counties of Coast from Coast of Coastfrom
Coast
$5,000 Named Storm Deductible
Up to 99 2% 2% 2% 1% s
100-199 2% 2% 2% 1%1 E
All Other Coverage A Limit (Expressed In$) 200-299 5% 2% 2% 1% E
Perils 100,000 300-399 5% 2% 2% 1%
Ded. Up To 60,000 To To 200,001 & 400-499 5% 2% 2% 1% T
Amount 59,999 99,999 200,000 Over 500-599 5% 2% 2% 2% A
$ 100 .975 .984 1.020 1.025 600-699 5% 5% 2% 2% B
700-799 5% 5% 2% 2% L
250 .901 .909 .935 .953 800-899 5% 5% 2% 2% E
500 .. 842 .842 .864 .924 900-999 5% 5% 2% 2%
1,000 .738 .738 .760 .869 1000 5% 5% 2% 2% B
2,500 .592 .599 .606 .743
Table 406.C.3.b.(5)#3 $5,000 Named Storm Deductible Table B
All Coverage A Limit

D. Minimum Named Storm Deductible Require· Other
ment ~ Perils $60,000
$125,000 $250,000
All Forms Except HO 00 04 and HO 00 06 Ded. Up to to to to $600,000
Amount $59,999 124,999 249,999 599,999 and Over
$100 NONE $500 $1000 $2000 $5000
$250 NONE $500 $1000 $2000 $5000
1. For a reduced premium, a minimum Named $500 NONE NONE $1000 $2000 $5000
Storm deductible applies to all policies pro- $1000 NONE NONE NONE $2000 $5000
vided that the dollar amount of the minimum $2500 NONE NONE NONE NONE $5000
deductible according to this rule exceeds
the amount of the deductible applicable to The Minimum Named Storm Deductible as shown in Ta-
All Other Section I perils. This minimum ble A and B may be removed or reduced as shown in
MPIUA-HO-EXC-4 2"' Edition 04-01-18

092
RULE 406. Perils Deductible of $500 and Named Storm

DEDUCTIBLES (Cont'd) Deductible of 5% with Coverage A Amount of
$250,000 multiply the Base Premium with the
Table C below if the Insured has taken all or some of the Deductible Factor of .89 (i.e. a credit of 11%)
required measures (See D.7.) to protect their home from according to the Rule 406. C.3.a. (6). See Table
wind damage. 406.C.3.a.(6)#3.
Suppose the insured has taken the required

5. Requirements for Removal or Reduction of mitgation steps for Roof & Foundation con-
Minimum Named Storm Deductible nections (D.7.v.) only. Then the Named Storm
Deductible of 5% is reduced to 1% as per
Table C Column (3) of Rule 406. D. 5. Table C. For
premium computation, in lieu of using Deduct-
(1) (2) (3) ible Factor of .93 (i.e. a credit of 7%) corre-
sponding to All Perils Deductible of $500 and
Named Storm Revised
Deductible Named Named Storm Deductible of 1%, see Table
Requirement Storm 406.C.3.a.(6)#1, use the Deductible Factor of
Mitigation As Per Rule Deductible .89 (i.e. a credit of 11 %) corresponding to the
Steps Taken (406.D.3.) Requirement All Perils Deductible of $500 and Named
Storm Deductible of 5% as provided in Rule
All (D.7.i-v) Any All Perils Deductible
406. D. (6).
Roof & Foundation 5% 1%
(D.7.v) 5% 1% County with a Coverage A Amount of
2% All Perils Deductible $250,000 and All Perils Deductible of $500.
1% All Perils Deductible According to the Rule 406. D. 3. Table A, a
5,000 1,000 Minimum Named Storm Deductible of 2% will
2,000 All Perils Deductible apply to the policy. To compute the premium
1,000 All Perils Deductible for this provision i.e. All Perils Deductible of
$500 and Named Storm Deductible of 2% with
Roof Only 5% 2%
Coverage A Amount of $250,000 multiply the
(D.7.v) 2% 1% Base Premium with the Deductible Factor of
1% All Perils Deductible .91 (i.e. a credit of 9%) according to the Rule
5,000 1,000 406. C.3.a. (6). See Table 406.C.3.a.(6)#2.
2,000 500
1,000 All Perils Deductible
All Windows& 5% 2% mitigation steps for Roof & Foundation con-
All Glass Doors 2% 1% nections (D.7.v.) only. Then the Named Storm
Deductible of 2% is removed and the policy is
(D.7.i-iii) 1% All Perils Deductible then subject to All Perils Deductible of $500
5,000 1,000 as per Column (3) of Rule 406. D. 5. Table C.
2,000 500 For premium computation, in lieu of using De-
1,000 All Perils Deductible ductible Factor of .96 (i.e. a credit of 4%) cor-
responding to All Perils Deductible of $500
6. If the Named Storm Deductible is removed or re-
with Coverage A Amount of $250,000, see
duced as per column (3), for premium computation Table 406.C.1, use the Deductible Factor of
use the Named Storm Deductible Factor corre- .91 ( i.e. a credit of 9%) corresponding to the
sponding to the applicable Minimum Named Storm All Perils Deductible of $500 and Named
Deductible shown in column (2). Storm Deductible of 2% as provided in Rule
406. D.(6).according to the Rule 406. C.3.a.
Example (1 ): Consider a home in Dukes County (6). See Table 406.C.3.a.(6)#3.
with Coverage A Amount of $250,000 and All
Perils Deductible of $500. According to the Rule
406. D. 3. Table A, a Minimum Named Storm
Deductible of 5% will apply to the policy. To

093
RULE 406. from breaking the glass.

DEDUCTIBLES (Cont"d)
iv. Garage Doors: Because of their size, garage
doors are highly susceptible to wind damage.
7. The measures required to protect a home from major Install a garage door and track system that is
wind damage and to remove or reduce the minimum labeled and rated for high wind pressures and
named storm deductible include installation of: debris impact. One such label is SBCC1
(Standard Building Code Congress Interna-
i. Windows: Installation of impact resistant tional). Or, proof that a qualified inspector has
glass or impact resistant shutters that close determined your garage door and track sys-
over window openings to prevent flying debris tem can resist high winds and has installed
from breaking window panes. If Plywood permanent metal stiffeners.
Shutters are being used, the following guide-
lines must be followed: v. Roof and Foundation Connections: The
points where the roof and the foundation meet
• Minimum 5/8" thickness the walls of the home are extremely important
than 8'x4'. The plywood must overlap
the opening by 4" on each side. if it is to resist high winds and pressures they
place on the entire structure.
• Must be pressure treated to resist mois-
ture damage and stored inside. a. The roof must be anchored to the
walls with metal clips and straps.
• All panels must be pre-cut, pre-drilled and
labeled for ease of installation. Four Y." b. The walls must be properly anchored
holes must be drilled in the center area of to the foundation.
each panel to relieve pressure during a c. If the house is more than one story,
hurricane. the upper story wall framing must be
firmly connected to the lower framing
• Plywood panels up to 3' x 4' must use Y."
bolts that have contact with the wall an- Required Documentation:
chor of at least 1Y." on frame or masonry
1. Proof that these measures have been made
walls. Larger sheets of plywood require
is required for the wind deductible to be
3/8" bolts that have contact with the wall removed or reduced. Proof may be obtained
anchor of at least 1%" on frame walls and by the receipt of signed statement from a
1%" on masonry walls. qualified contractor certifying these
measures are in place. A copy of the
• The building must be pre-drilled for wall
anchors. The anchors and corresponding
application.
bolts must be kept in the wall at all times.
The holes for the bolts must be 2%" from
the edge of the plywood at intervals of not
greater than 12".
• All bolts and wall anchors must be cerro-
sian resistant.
ii. Entry Doors: Installation of at least 3 hinges

and a dead bolt security lock with a bolt at
least one inch long.
iii. Patio Doors: Sliding glass doors are more

vulnerable to wind damage than most other
doors. Installation of impact resistant door
systems made of laminated glass or plastic
glazing is necessary to prevent flying debris

Massachusetts Property Insurance UndeiWriting Association
094
RULE 406.
DEDUCTIBLES
SPECIAL STATE REQUIREMENTS
ADDITIONAL RULE
Rule A2
LEAD POISONING EXCLUSION AND COVERAGE OPTION
Paragraph F .1. is replaced by the following:
1. Reduced Premium Development
When Lead Poisoning Exclusion Endorsement HO

24 41 is attached to the policy, calculate reduced pre-
miums as follows:
a. Primary Location
If the primary location is a 2 or more family dwell-
ing or a condominium unit multiply the BASE
PREMIUM plus any additional premium for Cover-
age E increased limits by a factor of .97.
b. Additional Locations
For each additional location, multiply the coverage
E basic limits premium, or, if applicable, the in-
creased limits premium by a factor of .97.
Rule AS
LIMITED FUNGI, WET OR DRY ROT OR BACTERIA

COVERAGE
The following paragraph is added:
F. MPIUA Requirement
Use appropriate Limited Fungi, Wet or Dry Rot or

Bacteria Coverage Endorsement with all Home-
owners policies. Increased limits as shown in par-
agraph B. are available.

095
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096
DWELLING POLICY PROGRAM MANUAL MASSACHUSETTS (20)
ADDITIONAL EXCEPTION(S) TO GENERAL RULES (2) Endorsement

Use Win9storm Or ~ai l Percentage De
9uctible En9orsement DP 03 12.
RULE 406.
Attach Wtn9storm or ~a11 Percentage
DEDUCTIBLES
Named Storm Deductible Endorsement
The following replaces Rule 406 Deductibles: FP ON SP to the policy and enter on the
policy declarations the dollar amount of
the percentage deductible that applies to
RULE 406. VVindstorm or Hail Named Storm and the
DEDUCTIBLES dollar amount that applies to all other
peri ls.
All policies are subject to a deductible that applies to Example
loss from all perils except Earthquake. A separate de-
ductible type applies to Earthquake Coverage as de- Deductible $250 except IJIJindstorFR or
scribed in Rule 509. MaH Named Storm $ {2% of the
Coverage A limit
For Theft Coverage, the deductible amount may differ
from the deductible amount that applies to Fire and Al-
lied Lines perils. (3) Declarations Instructions
Refer to the Earthquake and Theft Coverage rules for Enter, on the policy declarations, the
the applicable deductible provision. percentage amount that applies to VIJind
A. Base Deductible storFR or HaiNamed Storm! and the dollar
amount that applies to all other perils.
$250 Deductible. For example:
B. Optional Deductibles Deductible - WindstorFR or HaiiNamed
1. All Perils Deductibles Storm 2% of the Coverage A limit and
$250 for all other perils.
Multiply the Base Premium for the Base De-
ductible by the appropriate factors selected from (4) Deductible Application
the following table: In the event of a VVin9storFR or Hail
E.C., V.&M.M., Broad & Named Storm loss to covered property,
Deductible Fire Special Forms the dollar amount is deducted from the
total of the loss for all coverages. For
$ 100* 1.05 1.10 example:
500 .97 .91
1,000 .95 .76 Amount Of Loss
2,500 .88 .50 Limit Of Before After
* Refer to company for the minimum annual additional Cov. Liability 1% Ded. De d. De d.
premium charge that applies per policy for all $100 All A $ 100,000 $ 1,000 $ 7,500 -
Perils Deductibles B - - 3,000 -
Table 406.B.1. All Perils Deductibles c 35,000 - - -
D 18,500 - 660 -
2. Windstorm Or ~a i i N a m e d Sto rm Deductibles
E - - - -
$ 11 '160 $ 10,160
conjunction with a deductible applicable to all Table 406.B.2.a .(4) Example
other perils covered under Extended Coverage,
Broad or Special Forms.
(5) Use Of Factors
(1) Deductible Amounts incorporate the factors for the All Perils
This option provides for higher IMRa- Deductibles shown in Paragraph B.1.
storm or ~aii N amed Storm percentage above. Do not use the factors for the All
deductibles of 1%, 2% or 5% of the limit Perils Deductibles when rating a policy
of liability that applies to Coverage A-aM with a higher VIJin9storFR or HaiiNamed
8--0 or E, whichever IS greatest, when Storm deductible.
the dollar amount of the percentage
deductible selected exceeds the amount
of the All Other Perils deductible. This
option is not available for policies
covering only personal property.
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097
RULE 406. Deductible - $250 except $1 ,000 for

W~ndsteri'A
er HaiiNamed Storm.
DEDUCTIBLES (Cont'd)
(3) Coverage Options
The deductible factors for Coverage A,
(6) Deductible Factors B, D or E and coverage options for build-
To compute the premium for this provi- ings and non-building structures differ by
sion, multiply the Extended Coverage, the deductible amounts that apply to
Broad or Special Form Base Premium for Windsteri'A or HmiNamed Storm and to
the Base Deductible for each coverage other perils.
insured under the policy by the appropri- The deductible factors for Coverage C
ate factor selected from the following ta- and other personal property coverage
ble for the deductible amounts desired: options differ by the deductible amount
that applies to other perils. They do not
Coverage A, B, D Or E And Coverage Options For differ by the amount of the W1ndsteri'A er
Buildings And Non-Building Structures Hall Named Storm deductible.
All (4) Use Of Factors
Other Perils QedYGtioleNamed
Wi n dste ~m o~ ~a il
Storm Amounts The factors displayed in Paragraph (5)
Ded. Amt. 1% 2% 5% Deductibles shown in Paragraph B.1. Do
$ 100 ,.W1 009 ~.936 ~.861 not use the factors for the All Perils De-
250 ,.ro.944 ,.00.886 -+7.81 3 ductibles when rating a policy with a
500 .,.gg_889 ~ . 831 -+-1-.752 higher W~ndsterm er HaiiNamed Storm
deductible.
1,000 ,-7.2.733 ,-7.2731 ~. 662
2,500 A-9.494 A-9492 .,4g.484 (5) Deductible Factors
Table 406.B.2.a.(6)#1 Factors To compute the premium for this provi-
sion, multiply the Extended Coverage,
Broad or Special Form Base Premium for
Coverage C And Other Personal the Base Deductible for each coverage
Property Coverage Options• insured under the policy by the appropri-
ate factor selected from the following ta-
Wi ndste~m Q~ ~a iiN a m e d
ble for the deductible amounts desired:
All Other Perils Ded. Amt. Storm
1%, 2% Or 5% Deductible Coverage A, B, D Or E And Coverage Options For
$ 100 .w;)71 074 Buildings And Non-Building Structures
250 ,.w 992 All
500 ,.00.902 Other Perils Wind ste ~m Q ~ Hail QedYGtioleNamed Storm Amount
1,000 ,..7.2, 731 Ded. Amt. $500 $1000 $2000 $5000
2,500 A-9.493 $ 100 ~1041 -%.974 .87.915 ~. 8~
• Only use when policy also covers building or non- 250 -%.963 ,.W.918 ~. 830 ;:!+~
building structures 500 -- M .866 ,..79.799 ,-7.2 7i
Table 406.B.2.a(6)#2 Factors 1,000
--- - ,.98.711 ..e4 6i
2,500 - - - A-9.4~
b. Higher Fixed-Dollar Deductlbles Table 406.B.2.b.(5)#1 Factors

(1) Deductible Amounts
This option provides for higher fixed dol- Coverage C And Other Personal
lar deductible amounts of $500. $1,000, Property Coverage Options•
$2,000 and $5,000 when the dollar Windste ~R'IOF ~ a iiN a m e d
amount of the higher fixed-dollar Storm
deductible selected exceeds the amount All Other Perils Ded. Amt. Deductible Amounts
of the All Other Perils deductible. This $1000, $2000 Or $5000
option is not available for policies $ 100 ,.9.7.989
covering only personal property.
250 ,.w 919
(2) Declarations Instructions 500 ~847
Separately enter, on the policy declara- 1,000 ,.98 708
tions, the deductible amounts that apply 2,500 .<W.493
to W~ndsterm er Ha1INamed Storm and
All Other Perils. For example: • Only use when policy also covers building or non-
building structures
MPIUA-DP-EXC-2 1st Editien 07 01

Massachusetts Property Insurance Underwriting Association 072"d Edition 04.Q!
1],
© ISO Properties, Inc., 2005 PLC
098
DWEWNG~U~P~G~MM~U~ MASSACHUSETTS (20)
RULE 406. Table A

DEDUCTIBLE$ (Cont'd
Table 406.B.2.b.(5)#2 Factors CovA Entire Barnstable County Rest of State
Amtln Dukes & With in More than With in More
than
(000) Nantucket %mile %mile %mile %mile
406. DEDUCTIBbES
oast
Under Windstorm or Hail Higher Fixed Dollar
Deductibles rule , deductible amount of $9QQ is also Up to 99 2% 2% 2% 1% s
available with the following deductible factors: 100- 199 2% 2% 2% 1% E
200-299 5% 2% 2% 1% E
300-399 5% 2% 2% 1%
AU 5% 2% 2% 1% T
400-499
OU!ef 2% 2% A
500-599 5% 2%
Perils 'A'iREisterm er Mail
Ded. DeduGtible AmeuRt 600-699 5% 5% 2% 2% B
AmeuRt $500 700-799 5% 5% 2% 2% L
800-899 5% 5% 2% 2% E
$ 100 1.03 900-999 5% 5% 2% 2%
$250 .95 1000 5% 5% 2% 2% B
Table B
The following J3aragr=aJ3h is added:
Other
~ C.Minimum Windstorm or HaiiNamed Perils $60,000 $125,000 $250,000
St orm Deductible Requirement- Ded. Up to to to to $600,000
All Policies That Include Coverage A Amount $59,999 124,999 249,999 599,999 and Over
$ 100 NONE $500 $1000 $2000 $5000
$250 NONE $500 $1000 $2000 $5000
$500 NONE NONE $1000 $2000 $5000
1. For a reduced premium, a mmtmum $1000 NONE NONE NONE $2000 $5000
Windstorm or Hail Named Storm deductible $2500 NONE NONE NONE NONE $5000
applies to all policies that include Coverage
A provided that the dollar amount of the
minimum deductible according to this rule 4. The Minimum Windstorm or Hail Named Storm
exceeds the amount of the applicable All Deductible as shown in Table A and B may be
Other Perils deductible. This minimum removed or reduced as shown in Table C
deductible varies by Coverage A limit and below if the Insured has taken all or some of
distance of the property from the coast as the required measures (See Q.Q_.7.) to protect
shown in Table A and Table B. The Named their home from wind damage.
Insured may select a higher fixed-dollar
deductible or a percentage deductible with a
dollar amount that exceeds the applicable 5. Requirements for Removal or Reduction of
Minimum Windstorm or HaiiNamed Storm Minimum W indstorm or HaiNamed Storm l
Deductible amount. Deductible
2. To compute the premium for this provision, Table C

use the Coverage A limit and location of the
risk to determine the applicable Minimum (1) (2) (3)
\"lindstorm or HaiiNamed Storm Deductible
and then follow the instructions given in WindstoHR or HaiiNamed Storm
B.2.a. (4) and B.2. a . (5) for a percentage Revised
deductible and in B.2.b. (4) and B.2 .b. (5) Deductible
for a higher fixed-dollar deductible. WindstormNamed Storm
Requirement ~
Mitigation As Per Rule Deductible
3. Minimum VVindstorm Or Hail Named Storm Steps Taken (406.C~. 3 . ) Requirement
Deductible By Coverage A Limit And
Distance Of The Property From The Coast
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099
Broad or Special Form premium computation, in

RULE 406. lieu of using Deductible Factor of .88-.889 (i.e. a
DEDUCTIBLES (Cont'd) credit of ~11..1%) corresponding to All Perils
Deductible of $500 and VVinEistorm or 19ai1Named
All ( D~.7.i-v) Any All Perils Deductible Storm Deductible of 1%, see Rule 406.B.2.a.(5),
use the Deductible Factor of A .752 (i.e. a credit
Roof & Foundation 5% 1% of ~24 . 88 %) corresponding to the All Perils
Deductible of $500 and 1N inEistoFf!'HH' NaUNamed
(I>_g.7.v) 5% 1% Storm Deductible of 5% as provided in Rule 406.
2% All Perils Deductible QQ_.(6).
5,000 1,000
2,000 All Perils Deductible Example (2): Consider a home in Barnstable
1,000 All Perils Deductible County with a Coverage A Amount of $250,000
and All Perils Deductible of $500. According to the
Roof Only 5% 2% Rule 406. QQ_. 3. Table A, a Minimum V'iinEistarm
Of
(I>~ . 7.v) 2% 1% f4ai!Named Storm Deductible of 2% will apply to
1% All Perils Deductible the policy. To
5,000 1,000 compute the premium for this provision i.e. All
2,000 500
1,000 All Perils Deductible Perils Deductible of $500 and WmEistorm or
Haf!Named Storm
All Windows& 5% 2% Deductible of 2% with Coverage A Amount of
All Glass Doors 2% 1% $250,000 multiply the EC, Broad or Special Form
Base Premium with the Deductible Factor of
(D~.7 . i-iii) 1% All Perils Deductible -M-.831
5,000 1,000 (i.e. a credit of ~ 1 6 . 9 %) according to the Rule
2,000 500 406.
1,000 All Perils Deductible B.2.a.(5).
6. If the WinEistorm or 19ai1Named Storm Deductible is
removed or reduced as per column (3), for premium
mitigation steps for Roof & Foundation
computation use the WinEistorm or 19ail Named
connections (QQ_.7.v.) only. Then the WinEistorm
Storm Deductible Factor corresponding to the
9f
applicable Minimum Wimistorm or NaUName Storm
Haf!Named Storm Deductible of 2% is removed
Deductible shown in column (2).
and the policy is
then subject to All Perils Deductible of $500 as per
Example (1): Consider a home in Dukes County
Column (3) of Rule 406. QQ_. 5. Table C. For EC,
with Coverage A Amount of $250,000 and All
Broad or Special Form premium computation, in
Perils Deductible of $500. According to the Rule lieu of using Deductible Factor of .91 (i.e. a credit
406. QC . 3. Table A, a Minimum WinEistorm or
of 9%) corresponding to All Perils Deductible of
f4ai!Named Storm Deductible of 5% will apply to
$500 with Coverage A Amount of $250,000, see
the policy. To compute the EC , Broad or Special
Rule 406.B.1, use the Deductible Factor of
Form premium for this provision i.e. All Perils
_g..t_831 (i.e. a credit of ~16.9%) corresponding to
Deductible of $500 and WinEistorm or 19ai1Named
the All Perils Deductible of $500 and WinEistorm or
Storm Deductible of 5% with Coverage A Amount
f4ai!Named Storm Deductible of 2% as provided in
of $250,000 multiply the EC , Broad or Special Rule 406. QQ_.(6) .
Form Base Premium with the Deductible Factor of
A .752 (i.e. a credit of ~24 . 8 %) according to the
7. The measures required to protect a home from major
Rule 406. B.2.a.(5).
wind damage and to remove or reduce the minimum
windstorm or hail deductible include installation of:
Suppose the insured has taken the Required
Mitigation steps for Roof & Foundation
i. Windows : Installation of impact resistant
connections (QQ_.7.v.) only. Then the VVinEistorm
glass or impact resistant shutters that close
9f
over window openings to prevent flying debris
f4ai!Named Storm Deductible of 5% is reduced to
from breaking window panes. If Plywood
1% as per
Shutters are being used , the following
Column (3) of Rule 406. QQ.. 5. Table C. For EC,
guidelines must be followed :
MPIUA-DP-EXC-4 2nd Edition 7 01

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100
RULE 406. v. Roof and Foundation Connections: The

DEDUCTIBLES (Cont'd points where the roof and the foundation meet
the walls of the home are extremely important
if it is to resist high winds and pressures they
• Minimum 5/8" thickness
place on the entire structure.
• Must not be used on openings greater th--
a. The roof must be anchored to the
walls with metal clips and straps.
• 8'x4'. The plywood must overlap the
openings by 4"on each side. b. The wal ls must be properly anchored
to the foundation .
• Must be pressure treated to resist
moisture damage and stored inside. c. If the house is more than one story,
the upper story wall framing must be
firmly connected to the lower
labeled for ease of installation. Four X" framing.
holes must be drilled in the center area of
each panel to relieve pressure during a
hurricane. 1. Proof that these measures have been
made is required for the wiRG-named
• Plywood panels up to 3' x 4' must use X"
storm deductible to be removed or
bolts that have contact with the wall
reduced. Proof may be obtained by the
anchor of at least 1 X" on frame or receipt of a signed statement from a
masonry walls. Larger sheets of plywood qualified contractor certifying these
require 3/8" bolts that have contact with measures are in place. A copy of the
the wall anchor of at least 1o/." on frame
application.
walls and 1%" on masonry walls.
• The building must be pre-drilled for wall
ADDITIONAL EXCEPTION (S) TO GENERAL RULE(S)
bolts must be kept in the wall at all times. Rule 517.
The holes for the bolts must be 2%" from LIMITED FUNGI, WET OR DRY ROT OR
BACTERIA
the edge of the plywood at intervals of not
greater than 12".
• All bolts and wall anchors must be F. MPIUA Requ irement
corrosion resistant.
ii. Entry Doors: Installation of at least 3 hinges The following paragraph is added:
least one inch long. Use Limited Fungi, Wet or Dry Rot Bacteria
Coverage Endorsement DP 04 22 with all Dwelling
iii. Patio Doors: Sliding glass doors are more Program policies. Increased limits as shown in
vulnerable to wind damage than most other paragraph B. are available.
doors. Installation of impact resi stant door
systems made of laminated glass or plastic
ADDITIONAL RULE
glazing is necessary to prevent flying debris
from breaking the glass.
RULE A4.
iv. Garage Doors: Because of their size, garage OPTIONAL PROPERTY REMEDIATION FOR ESCAPED
doors are highly susceptible to wind damage. LIQUID FUEL COVERAGE
Install a garage door and track system that is A. Coverage Outline
labeled and rated for high wind pressures and
1. Basic Limits
debris impact. One such label is SBCC1
(Standard Building Code Congress Massachusetts law requires that the following
coverage shall be made available:
International). Or, proof that a qualified
inspector has determined your garage door
and track system can resist high winds and
has installed permanent metal stiffeners.
MPIUA-DP-EXC -5 1st Editi9R 07 01

Massachusetts Property Insurance Underwriting Association -1-02"d Editio n 04.Q1
18
101
b. Refer to Paragraph D. for premium

computation instructions.
C. Application Of Limits Of Liability
1. For Property Remediation Coverage, the limit
selected is a per-occurrence limit and is the
RULE 406. most coverage that will be provided for any one
DEDUCTIBLES (Cont'd "occurrence" during the policy period regardless
of the number of locations insured for Property
Remediation Coverage or the number of claims
made.
a. Property Remediation For Escaped Liquid
Fuel Coverage D. Rating Basis
$50,000 per occurrence to pay for loss to 1. Property Remediation For Escaped Liquid
covered real or personal property, owned by Fuel Coverage
an insured, that is damaged by liquid fuel a. From the Liquid Fuel Risk Selection table
that escapes from a fuel system on any located in Paragraph 4., select:
location insured under the policy and
declared on the schedule of the subject (1) The liquid fuel risk description that best
endorsement or the policy Declarations. describes each location, with or without
Covered real property includes land, other a dwelling building, insured for Property
than farm land, on which a building or Remediation Coverage under this policy;
structure is located. This Property and
Remediation Coverage applies only for the (2) The corresponding Risk Class Number
policy period in which the insured first for each description identified.
discovers or learns of the escaped fuel , even
if the escape began before that policy period.
RULE A4.
OPTIONAL PROPERTY REMEDIATION FOR ESCAPED
2. Deductible LIQUID FUEL COVERAGES (Cont'd)
Deductibles shall not exceed $1 ,000 per claim.
b. Use the lowest Risk Class Number selected
3. Endorsements for all such locations.
a. Use Property Remediation For Escaped 2. Premium Selection
Liquid Fuel Coverage - Massachusetts
Endorsement FP 34 09. a. From the company rate pages, Table
A4.D.3.#1 r select the appropriate additional
b. The subject optional endorsement provides premium charges that correspond to the
complete details on coverages, limitations, lowest Risk Class Numbers determined in
definitions and additional policy conditions Paragraph 1.
applicable to this coverage. Enter the limits
of liability that apply to the Property 3. Liquid Fuel Risk Selection Table
Remediation Coverage on the endorsement. Description Risk Class No.
Also enter on this endorsement the address
of all locations to be insured for Property Liquid fuel storage containers, tanks or
Remediation Coverage. vessels are on covered real property;
and
(1) One or more fuel storage
c. Use Rating Information For Property containers, tanks or vessels are
Remediation For Escaped Liquid Fuel partially or completely buried
Coverages Endorsement FP 24 59. below ground (inside or outside of
Attach the subject optional endorsement to a building or structure); or 100
the policy and enter the applicable Risk (2) All are completely above ground
Class Number on the policy Declarations. If (inside or outside of a building or
the insurer shows this rating information structure). 200
elsewhere in the policy, this endorsement
does not have to be used. Table A3.D.3. Liquid Fuel Risk Selection
B. Higher Limits
1. Property Remediation Coverage
a. This limit may be increased to $100,000. The
limit selected is entered on the coverage
endorsement or the policy Declarations.
MPIUA-DP-EXC-6 15 1 Edition 04 0118

102
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EFFECTIVE 04 01 18
PAGE CHECKLIST FOR MASSACHUSETTS STATE PAGES TO BE USED IN

CONJUNCTION WITH MULTISTATE RULES SECTION OF ISO's DWELLING POLICY
PROGRAM MANUAL (DP 2002 PROGRAM).
EXCEPTION PAGES
DP-E-5 1st Edition 9-09
MPIUA EXCEPTION PAGE

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MPIUA-DP-EXC-4 3rd Edition Effective 04-01-18
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103
DWELLING POLICY PROGRAM MANUAL MASSACHUSETTS
ADDITIONAL EXCEPTION(S) TO GENERAL RULES (2) Endorsement

Attach Named Storm Deductible
Endorsement FP DNSP to the policy and
RULE 406. enter on the policy declarations the dollar
DEDUCTIBLES amount of the percentage deductible that
applies to Named Stonm and the dollar
The following replaces Rule 406 Deductibles: amount that applies to all other perils.
Example
RULE 406. Deductible - $250 except Named Storm
DEDUCTIBLES $_ (2% of the Coverage A limit)
All policies are subject to a deductible that applies to
loss from all perils except Earthquake. A separate de- (3) Declarations Instructions
ductible type applies to Earthquake Coverage as de-
scribed in Rule 509. Enter, on the policy declarations, the
percentage amount that applies Named
For Theft Coverage. the deductible amount may differ Storm and the dollar amount that applies
from the deductible amount that applies to Fire and Al- to all other perils. For example:
lied Lines perils.
Deductible - Named Storm 2% of the
Refer to the Earthquake and Theft Coverage rules for Coverage A lim it and $250 for all other
the applicable deductible provision. perils.
A. Base Deductible (4) Deductible Application
$250 Deductible. In the event of a Named Storm loss to
B. Optional Deductibles covered property, the dollar amount is
deducted from the total of the loss for all
1. All Perils Deductibles coverages For example·
Multiply the Base Premium for the Base De-
ductible by the appropriate factors selected from Amount Of Loss
the following table: Limit Of Before After
Cov. Liability 1% Ded. Ded. Ded.
E.C., V.&M.M., Broad &
Deductible Fire Special Forms A $ 100,000 $ 1,000 $ 7,500 -
$ 100* 1.05 1.10 B - - 3,000 -
500 .97 .91 c 35,000 - - -
1,000 .95 .76 D 18,500 - 660 -
2,500 .88 .50 E - - - -
* Refer to company for the minimum annual additional $ 11,160 $ 10,160
premium charge that applies per policy for all $100 All Table 406.B.2.a.(4) Example
Perils Deductibles
Table 406.B.1. All Perils Deductibles (5) Use Of Factors
2. Named Storm Deductibles incorporate the factors for the All Perils
The following deductible options are used in Deductibles shown in Paragraph B.1.
conjunction with a deductible applicable to all above. Do not use the factors for the All
other perils covered under Extended Coverage, Perils Deductibles when rating a policy
Broad or Special Forms. with a higher Named Storm deductible.

(1) Deductible Amounts sion, multiply the Extended Coverage,
This option provides for higher Named Broad or Special Form Base Premium for
Storm percentage deductibles of 1%, 2% the Base Deductible for each coverage
or 5% of the limit of liability that applies insured under the policy by the appropri-
to Coverage A when the dollar amount ate factor selected from the following ta-
of the percentage deductible selected ble for the deductible amounts desired:
exceeds the amount of the All Other Per-
ils deductible. This option is not available
for policies covering only personal prop-
erty.
MPIUA-DP-EXC-1 2ND Edition 04 01 18

104
The deductible factors for Coverage C

RULE 406. and other personal property coverage
DEDUCTIBLES (Cont'd options differ by the deductible amount
that applies to other perils. They do not
differ by the amount of the Named Storm
Coverage A, B, D OrE And Coverage Options For deductible.
Buildings And Non-Building Structures (4) Use Of Factors
All The factors displayed in Paragraph (5)
Other Perils Named Storm Amounts incorporate the factors for the All Perils
Ded. Amt. 1% 2% 5% Deductibles shown in Paragraph B.1. Do
not use the factors for the All Perils De-
$ 100 1.009 .936 .861 ductibles when rating a policy with a
250 .944 .886 .813 higher Named Storm deductible .
500 .889 .831 .752 (5) Deductible Factors
1,000 .733 .731 .662
2,500 .494 .492 .484 sion, multiply the Extended Coverage,
Table 406.B.2.a.(6)#1 Factors Broad or Special Form Base Premium for
the Base Deductible for each coverage
insured under the policy by the appropri-
Coverage C And Other Personal ate factor selected from the following ta-
Property Coverage Options• ble for the deductible amounts desired:
Named Storm
All Other Perils Ded. Amt. 1%, 2% Or 5% Deductible
Coverage A, 8, D OrE And Coverage Options For
$ 100 1.074
Buildings And Non-Building Structures
250 .992
.902 All
500
Other Named Storm Deductible Amounts
1,000 .731 Perils
2,500 .493
Ded. $500 $1000 $2000 $5000
* Only use when policy also covers building or non- Amt.
building structures .853
$ 100 1.041 .974 .915
Table 406.B.2.a(6)#2 Factors 250 .963 .918 .830 .819
500 - .866 .799 .772
b. Higher Fixed-Dollar Deductibles 1,000 - - .711 .677
(1) Deductible Amounts
2,500 - - - .493
This option provides for higher fixed dol- Table 406.B.2.b.(5)#1 Factors
lar deductible amounts of $500, $1,000,
$2,000 and $5,000 when the dollar
amount of the higher fixed-dollar
deductible selected exceeds the amount Coverage C And Other Personal
of the All Other Perils deductible. This Property Coverage Options•
option is not available for policies Named Storm
covering only personal property. Deductible Amounts
(2) Declarations Instructions All Other Perils Ded. Amt. $1000, $2000 Or $5000
Separately enter, on the policy declara- $ 100 .989
tions, the deductible amounts that apply 250 .919
to Named Storm and All Other Perils. For 500 .847
example: 1,000 .708
Deductible - $250 except $1,000 for 2,500 .493
Named Storm. * Only use when policy also covers building or non-
(3) Coverage Options building structures
The deductible factors for Coverage A, Table 406.B.2.b.(5)#2 Factors
B, 0 or E and coverage options for build-
ings and non-building structures differ by
the deductible amounts that apply to
Named Storm and to other perils.
MPIUA-DP-EXC-2 2"' Edition 04 01 18

105
RULE 406. Table B

DEDUCTIBLE$ (Cont'd
Other
C. Minimum Named Storm Deductible Perils $60,000 $125,000 $250,000
Requirement ~ Ded. Up to to to to $600,000
All Policies That Include Coverage A Amount $59,999 124,999 249,999 599,999 and Over
$100 NONE $500 $1000 $2000 $5000
$250 NONE $500 $1000 $2000 $5000
$500 NONE NONE $1000 $2000 $5000
1. For a reduced premium, a minimum $1000 NONE NONE NONE $2000 $5000
Named Storm deductible applies to all $2500 NONE NONE NONE NONE $5000
policies that include Coverage A provided
that the dollar amount of the minimum
deductible according to this rule exceeds 4. The Minimum Named Storm Deductible as shown
the amount of the applicable All Other Perils In Table A and B may be removed or reduced as
deductible. This minimum deductible varies shown in Table C below if the Insured has taken all or
by Coverage A limit and distance of the some of the required measures (See C.?.) to protect
property from the coast as shown in Table A their home from wind damage.
and Table B. The Named Insured may
select a higher fixed-dollar deductible or a 5. Requirements for Removal or Reduction of
percentage deductible with a dollar amount Minimum Named Storm Deductible
that exceeds the applicable Minimum
Named Storm Deductible amount. Table C
2. To compute the premium for this provision, (1) (2) (3)

use the Coverage A limit and location of the
risk to determine the applicable Named Named Storm Revised
Storm Deductible and then follow the Deductible Named
instructions given in B.2.a. (4) and 8.2. a. Requirement Storm
Mitigation As Per Rule Deductible
(5) for a percentage deductible and in B.2.b.
Steps Taken (406.C.3.) Requirement
(4) and B.2.b. (5) for a higher fixed-dollar
deductible. All (C.7.i-v) Any All Perils Deductible
3. Minimum Named Storm Deductible By Roof & Foundation 5% 1%

Coverage A Limit And Distance Of The
Property From The Coast (C.7.v) 5% 1%
Table A 2% All Perils Deductible
5,000 1.000
CovA Entire Barnstable County Rest of State 2,000 All Perils Deductible
Amlin Dukes & With in More than Within More 1,000 All Perils Deductible
than
(000) Nantucket Y:z mile %mile Yz mile %mile Roof Only 5% 2%
Coast (C.7.v) 2% 1%
Up to 99 2% 2% 2% 1% s 5,000 1,000
100-199 2% 2% 2% 1% E 2,000 500
200-299 5% 2% 2% 1% E 1,000 All Perils Deductible
300-399 5% 2% 2% 1%
400-499 5% 2% 2% 1% T All Windows& 5% 2%
500-599 5% 2% 2% 2% A All Glass Doors 2% 1%
600-699 5% 5% 2% 2% B
700-799 5% 5% 2% 2% L (C.7.i-iii) 1% All Perils Deductible
800-899 5% 5% 2% 2%1 E 5,000 1,000
900-999 5% 5% 2% 2% 2.000 500
1000 5% 5% 2% 2% B 1,000 All Perils Deductible
MPIUA-DP-EXC-3 2"" Edition 04 01 18

©ISO Properties. Inc., 2005 PLC
106
RULE 406. Broad or Special Form premium computation, in

DEDUCTIBLES (Cont'd lieu of using Deductible Factor of .91 (i.e. a credit
of 9%) corresponding to All Perils Deductible of
$500 with Coverage A Amount of $250,000, see
6. If the Named Storm Deductible is removed or Rule 406.B.1, use the Deductible Factor of .. 831 (
reduced as per column (3), for premium computation i.e. a credit of 16.9%) corresponding to the All
use the Named Storm Deductible Factor Perils Deductible of $500 and Named Storm
corresponding to the applicable Minimum Name Deductible of 2% as provided in Rule 406. C.(6).
Storm Deductible shown in column (2).
7. The measures required to protect a home from major
Example (1 ): Consider a home in Dukes County wind damage and to remove or reduce the minimum
with Coverage A Amount of $250,000 and All windstorm or hail deductible include installation of:
Perils Deductible of $500. According to the Rule
406.C.3.Table A, a Minimum Named Storm i. Windows: Installation of impact resistant
Deductible of 5% will apply to the policy. To glass or impact resistant shutters that close
compute the EC, Broad or Special Form premium over window openings to prevent flying debris
for this provision i.e. All Perils Deductible of $500 from breaking window panes. If Plywood
and Named Storm Deductible of 5% with Shutters are being used, the following
Coverage A Amount of $250,000 multiply the EC, guidelines must be followed:
Broad or Special Form Base Premium with the
Deductible Factor of .752 (i.e. a credit of 24.8%)
• Minimum 5/8" thickness
according to the Rule 406. B.2.a.(5).
Suppose the insured has taken the Required than 8'x4'. The plywood must overlap
Mitigation steps for Roof & Foundation the openings by 4"on each side.
connections (C.7.v.) only. Then the • Must be pressure treated to resist
Named Storm Deductible of 5% is reduced to1%
moisture damage and stored inside.
as per Column (3) of Rule 406. C. 5. Table C. For
EC, Broad or Special Form premium computation, • All panels must be pre-cut, pre-drilled and
In lieu of using Deductible Factor of .. 889 (i.e. a labeled for ease of installation. Four Y.."
credit of 11.1 %) corresponding to All Perils holes must be drilled in the center area of
Deductible of $500 and Named Storm Deductible
each panel to relieve pressure during a
of 1%, see Rule 406.8.2.a.(5), use the Deductible
Factor of .752 (i.e. a credit of 24.88%) hurricane.
corresponding to the All Perils Deductible of $500 • Plywood panels up to 3' x 4' must use Y.."
and Named Storm Deductible of 5% as provided bolts that have contact with the wall
in Rule 406. C.(6). anchor of at least 1Y.." on frame or
masonry walls. Larger sheets of plywood
County with a Coverage A Amount of $250,000 require 3/8" bolts that have contact with
and All Perils Deductible of $500. According to the the wall anchor of at least 1%" on frame
Rule 406. C. 3. Table A, a Minimum Named Storm walls and 1Y," on masonry walls.
Deductible of 2% will apply to the policy. To • The building must be pre-drilled for wall
Perils Deductible of $500 and Named Storm
Deductible of 2% with Coverage A Amount of bolts must be kept in the wall at all times.
$250,000 multiply the EC, Broad or Special Form The holes for the bolts must be 2%" from
Base Premium with the Deductible Factor of .831 the edge of the plywood at intervals of not
(i.e. a credit of 16.9%) according to the Rule 406. greater than 12".
B.2.a.(5).
• All bolts and wall anchors must be
Suppose the insured has taken the required corrosion resistant.
mitigation steps for Roof & Foundation
connections (C.7.v.) only. Then the Named Storm
Deductible of 2% is removed and the policy is
then subject to All Perils Deductible of $500 as per
Column (3) of Rule 406. C. 5. Table C. For EC,
MPIUA-DP-EXC-4 3rd Edition 04 01 18

107
RULE 406. ADDITIONAL EXCEPTION (S) TO GENERAL RULE(S)

DEDUCTIBLES (Cont'd
Rule 517.
LIMITED FUNGI, WET OR DRY ROT OR
ii. Entry Doors: Installation of at least 3 hinges BACTERIA
least one inch long. F. MPIUA Requirement
iii. Patio Doors: Sliding glass doors are more
vulnerable to wind damage than most other The following paragraph is added:
doors. Installation of impact resistant door
Use Limited Fungi, Wet or Dry Rot Bacteria
systems made of laminated glass or plastic Coverage Endorsement DP 04 22 with all Dwelling
glazing is necessary to prevent flying debris Program policies. Increased limits as shown in
from breaking the glass. paragraph B. are available.
iv. Garage Doors: Because of their size. garage
doors are highly susceptible to wind damage. ADDITIONAL RULE
Install a garage door and track system that is
labeled and rated for high wind pressures and RULEA4.
debris impact. One such label is SBCC1 OPTIONAL PROPERTY REMEDIATION FOR ESCAPED
(Standard Building Code Congress LIQUID FUEL COVERAGE
International). Or, proof that a qualified A. Coverage Outline
inspector has determined your garage door 1. Basic Limits
and track system can resist high winds and
has installed permanent metal stiffeners. Massachusetts law requires that the following
coverage shall be made available:
v. Roof and Foundation Connections: The a. Property Remediation For Escaped Liquid
points where the roof and the foundation meet Fuel Coverage
the walls of the home are extremely important $50,000 per occurrence to pay for loss to
if it is to resist high winds and pressures they covered real or personal property, owned by
place on the entire structure. an insured, that is damaged by liquid fuel
that escapes from a fuel system on any
a. The roof must be anchored to the location insured under the policy and
walls with metal clips and straps. declared on the schedule of the subject
b. The walls must be properly anchored Covered real property includes land, other
to the foundation. than farm land, on which a building or
structure is located. This Property
c. If the house is more than one story. Remediation Coverage applies only for the
the upper story wall framing must be policy period in which the insured first
firmly connected to the lower discovers or learns of the escaped fuel, even
framing. if the escape began before that policy period.
Required Documentation: 2. Deductible
Deductibles shall not exceed $1,000 per claim.
1. Proof that these measures have been
3. Endorsements
made is required for the named storm
deductible to be removed or reduced. a. Use Property Remediation For Escaped
Proof may be obtained by the receipt of a Liquid Fuel Coverage - Massachusetts
Endorsement FP 34 09.
signed statement from a qualified
contractor certifying these measures are b. The subject optional endorsement provides
in place. A copy of the certificate must be complete details on coverages, limitations,
definitions and additional policy conditions
submitted with the application. applicable to this coverage. Enter the limits
of liability that apply to the Property
Remediation Coverage on the endorsement.
Also enter on this endorsement the address
of all locations to be insured for Property
Remediation Coverage.
MPIUA-DP-EXC-5 2"' Edition 04 01 18

108
RULE 406. 3. Liquid Fuel Risk Selection Table

DEDUCTIBLES (Cont'd Description Risk Class No.
c. Use Rating Information For Property Liquid fuel storage containers, tanks or
Remediation For Escaped Liquid Fuel vessels are on covered real property;
Coverages Endorsement FP 24 59. and
Attach the subject optional endorsement to (1) One or more fuel storage
the policy and enter the applicable Risk containers, tanks or vessels are
Class Number on the policy Declarations. If partially or completely buried
the insurer shows this rating information below ground (inside or outside of
a building or structure); or 100
elsewhere in the policy, this endorsement
does not have to be used. (2) All are completely above ground
(inside or outside of a building or
structure). 200
B. Higher Limits
Table A3.D.3. Liquid Fuel Risk Selection
1. Property Remediation Coverage
a. This limit may be increased to $100,000. The
limit selected is entered on the coverage
b. Refer to Paragraph D. for premium
computation instructions.
C. Application Of Limits Of Liability
1. For Property Remediation Coverage, the limit
selected is a per~occurrence limit and is the
most coverage that will be provided for any one
"occurrence" during the policy period regardless
of the number of locations insured for Property
Remediation Coverage or the number of claims
made.
D. Rating Basis
1. Property Remediation For Escaped Liquid
Fuel Coverage
a. From the Liquid Fuel Risk Selection table
located in Paragraph 4., select:
(1) The liquid fuel risk description that best
describes each location, with or without
a dwelling building, insured for Property
Remediation Coverage under this policy;
and
(2) The corresponding Risk Class Number
for each description identified.
b. Use the lowest Risk Class Number selected
for all such locations.
2. Premium Selection
a. From the company rate pages, Table
A4.D.3.#1, select the appropriate additional
premium charges that correspond to the
lowest Risk Class Numbers determined in
Paragraph 1.
MPIUA-DP-EXC-6 1" Edition 04 01 18

109
MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION
HOMEOWNERS
FPHNSP0418
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
NAMED STORM PERCENTAGE DEDUCTIBLE

ALL HO FORMS EXCEPT HO 00 04 AND HO 00 06
THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR LOSSES ARISING

FROM A NAMED STORM WHICH MAY RESULT IN HIGH OUT-OF-POCKET
EXPENSES TO YOU.
"Named Storm Percentage Deductible" is the percentage deductible provided under "Deductible
-Section I" shown on the Declarations (UMAHODEC or UMAHOCR) in effect at the time of
loss or damage and referred to as "Except Named Storm $ (__%of Coverage A
Limit)".
No other deductible in the policy applies to loss caused by a Named Storm.
"Named Storm'' means a hurricane or tropical storm given a name by National Hurricane Center
or Weather Prediction Center, both under the National Weather Service.
The following language is added and changes the policies as indicated below.
The following Named Storm Percentage Deductible provision is applicable to the

HOMEOWNERS HO 00 02, HO 00 03 and HO 00 05 POLICY FORMS.
We will pay only that part of the total of all loss or damage payable under Section I that exceeds
the Named Storm Percentage Deductible shown above in this endorsement or shown elsewhere
in this policy. This deductible applies in the event of direct physical loss or damage to property
covered under this policy caused directly or indirectly by a Named Storm regardless of any other
cause or event contributing concurrently or in any sequence to the loss. The Named Storm
Percentage Deductible shall not apply to loss or damage payable under Coverage D.
The Named Storm Percentage Deductible shall apply to losses arising throughout the "duration
of a Named Storm". The "duration of a Named Storm" means twelve hours before a watch or
warning has been issued by the National Weather Service or National Hurricane Center for any
part of Massachusetts and for the duration of the Named Storm and then ending the later of (i)
twelve hours after the watch or warning for any part of Massachusetts has been lifted or (ii) the
time that the Named Storm has been discontinued by the National Hurricane Center.
All other provisions of this policy remain in effect.
Page I of I
FP HNSP 0418 COPYRIGHT 2017
110
HOMEOWNERS
FP HNSF0418
NAMED STORM FIXED-DOLLAR DEDUCTIBLE

ALL HO FORMS EXCEPT HO 00 04 AND HO 00 06

FROM A NAMED STORM WHICH MAY RESULT IN HIGH OUT-OF-POCKET
EXPENSES TO YOU.
"Named Storm Fixed-Dollar Deductible" is the dollar amount deductible provided under
"Deductible- Section I" shown on the Declarations (UMAHODEC or UMAHOCR) in effect at
the time ofloss or damage and referred to as "Except $ For Named Storm••.
No other deductible in the policy applies to loss caused by a Named Storm.
"Named Storm" means a hurricane or tropical storm given a name by National Hurricane Center
The following Named Storm Fixed-Dollar Deductible provision is applicable to the

HOMEOWNERS HO 00 02, HO 00 03 and HO 00 05 POLICY FORMS.
We will pay only that part of the total of all loss or damage payable under Section I that exceeds
the Named Storm Fixed-Dollar Deductible shown on the policy declarations. This deductible
applies in the event of direct physical loss or damage to property covered under this policy
caused directly or indirectly by a Named Storm regardless of any other cause or event
contributing concurrently or in any sequence to the loss. The Named Storm Fixed-Dollar
Deductible shall not apply to loss or damage payable under Coverage D.
The Named Storm Fixed-Dollar Deductible shall apply to losses arising throughout the "duration
Page I of I
FP HNSF 0418 COPYRIGHT 2017
111
DWELLING
FPDNSP0418
NAMED STORM PERCENTAGE DEDUCTIBLE

ALL DWELLING PROPERTY FORMS

FROM A NAMED STORM WHICH MAY RESULT IN HIGH OUT -OF-POCKET
EXPENSES TO YOU.
"Named Storm Percentage Deductible" is the percentage deductible provided under "Deductible
-Section I" shown on the Declarations (UMADWDEC or UMADWCR) in effect at the time of
loss or damage and referred to as "Except Named Storm$ (_%of Coverage A
Limit)".
The following Named Storm Percentage Deductible provision is applicable to the DWELLING
PROPERTY DP 00 01, DP 00 02 and DP 00 03 POLICY FORMS.
We will pay only that part of the total of all loss or damage payable under these policies that
exceeds the Named Storm Percentage Deductible shown above in this endorsement or shown
elsewhere in this policy. This deductible applies in the event of direct physical loss or damage to
property covered under this policy caused directly or indirectly by a Named Storm regardless of
any other cause or event contributing concurrently or in any sequence to the loss. The Named
Storm Percentage Deductible shall not apply to loss or damage payable under Coverage D or E.
The Named Storm Percentage Deductible shall apply to losses arising throughout the "duration
Page I of I
FP DNSP 0418 COPYRIGHT 2017
112
DWELLING
FPDNSF0418
NAMED STORM FIXED-DOLLAR DEDUCTIBLE

ALL DWELLING PROPERTY FORMS

FROM A NAMED STORM WHICH MAY RESULT IN HIGH OUT -OF-POCKET
EXPENSES TO YOU.
"Named Storm Fixed-Dollar Deductible" is the dollar amount deductible provided under
"Deductible- Section I" shown on the Declarations (UMADWDEC or UMADWCR) in effect at
the time ofloss or damage and referred to as "Except$ For Named Storm".
The following Named Storm Fixed-Dollar Deductible provision is applicable to the

DWELLING PROPERTY DP 00 01, DP 00 02 and DP 00 03 POLICY FORMS.
We will pay only that part of the total of all loss or damage payable under these policies that
exceeds the Named Storm Fixed-Dollar Deductible on the policy declarations. This deductible
applies in the event of direct physical loss or damage to property covered under this policy
caused directly or indirectly by a Named Storm regardless of any other cause or event
contributing concurrently or in any sequence to the loss. The Named Storm Fixed-Dollar
Deductible shall not apply to loss or damage payable under Coverage D or E.
The Named Storm Fixed-Dollar Deductible shall apply to losses arising throughout the "duration
part of Massachusetts and for the duration of the Named Storm and then ending the later of(i)
Page 1 of 1
FP DNSF0418 COPYRIGHT 2017
113
MASSACHUSETTS PROPERTY INSURANCE UNDERWRITI NG ASSOCIATION
TWO CENTER PLAZA
BOSTON MA 02108-1904
(617) 723-3800
(800) 392-6108
WWW.MPIUA.COM
Date
Mai li ng Name and Address:
RE: Policy Number
Named Insured and Mai ling Address:
Location of Property:
Dear Sir/ Madam:
This Endorsement Changes This Policy. Please Read It Carefu lly.
Windsterm Rnd IIRiiNamed Storm Coverage Limitation Endorsement
Homeowners (Forms HO- 00 03, HO- 00 05)
All provisions ofthe Plan of Operation of the Massachusetts Property Insurance Underwriting Association
pertaining to the issuance of Homeowners coverage notwithstanding, the follow ing limitation to coverage is added
to thi s policy:
I. All losses caused directly or ind irectly by 'l.indstorm or haila amed Storm • are exc luded by thi s po licy.
This exclusion applies to all covered property.
· amed Storm means a hurricane or tropical storm gi' en a name b\ '\,ational Hurricane Center or\\ eathcr
Prediction Center. both under the l\atio nal \\eather ervice.
This limitation has been temporarily added to this policy by reason of Massachusetts Property Insurance
Underwriting Association's receipt of the application for insurance or request for endorsement subsequent to the
National Weather Service's publication or broadcast of a tropical storm or hurricane watch or warning for points on
the United States coast North of Latitude 35.3° North (North Carolina - Virginia State boundary).
When the storm has passed, and 24 hours after the watch or warning is dropped, this limitation will automatically
cease to apply.
If you have any questions regarding this matter, contact our Consum er Service Department.
Very truly yours,
Underwriting
UMATS3-5
114
MASSAC HUSETfS PROPERTY INSURANCE UNDERWRITING ASS O CIATION
TWO CENTER PLAZA
(617) 723-3800
(800) 392-6108
WWW.MPIUA.C OM
Date 11-30-2017
Mailing Name and Address:
RE: Policy Number
Named Insured and Mailing Address:
Dear Sir/Madam:
This Endorsement Changes This Policy. Please Read It Carefully.
\\'inlls larm nnd llnii i\ Hmed S torm Coverage Limitation Endorsement
Commercial Fire/Dwelling Fire
Homeowners (Forms HO - 00 02, 00 04 & 00 06)
All provisions of the Plan of Operation of the Massachusetts Property Insurance Underwriting Association
pertaining to the issuance of Basic Property Insurance notwithstanding, coverage for the\' uubtaFifl and llali Penla
Named Storm under this policy is hereby excluded. This limitation is added to your policy by reason of
Massachusetts Property Insurance Underwriting Association's receipt of the application for insurance or request for
endorsement subsequent to the National Weather Service's publication or broadcast of a tropical storm or hurricane
watch or warning for points on the United States coast North of Latitude 35.3" North (North Carolina - Virginia
State boundary).
*Named Storm m~:ans a hurncanc or trop1cal stonn gl\ en a name h\ National l lurncanc Cemer or Weather • [ Formatted: Indent: Left: 0.5"
PrediCtiOn Center. both under the NatJonal Weather Scn1ce
When the Named s.S.torm has passed, and 24 hours after the watch or warning is dropped this limitation will
..
automatically cease to apply.
If you have any questions regarding this matter, contact our Consumer Service Department.
Very truly yours,
Underwriting
UMATS4-6
115
TWO CENTER PLAZA
(617) 723-3800
(800) 392-6108
WWW.MPIUA.COM
Date
RE: Policy Number
Named lusured and Mailing Address:
Dear Sir/Madam:
Named Storm Coverage- Limitation Endorsement
Homeowners (Forms HO - 00 03. HO - 00 05)
pertaining to the issuance of Homeowners coverage notwithstanding, the following limitation to coverage is added
to this policy:
I. All losses caused directly or indirectly by a Named Storm* are excluded by this policy.
This exclusion applies to all covered property.
*Named Storm means a hurricane or tropical storm given a name by National Hurricane Center or Weather
Prediction Center, both under the National Weather Service.
This limitation has been temporarily added to this policy by reason of Massachusetts Property Insurance
Underwriting Association's receipt ofthe application for insurance or request for endorsement subsequent to the
the United States coast North of Latitude 35.3' North (North Carolina- Virginia State boundary).
When the storm has passed, and 24 hours after the watch or warning is dropped, this limitation will automatically
cease to apply.
Very truly yours,
Underwriting
UMATS3-5
116
TWO CENTER PLAZA
(617) 723-3800
(800) 392-6108
WWW.MPIUA.COM
Date 11-30-2017
RE: Policy Number
Named Insured and Mailing Address:
Dear Sir/Madam:
Named Storm Coverage- Limitation Endorsement
Commercial Fire/Dwelling Fire
Homeowners (Forms HO- 00 02. 00 04 & 00 061
pertaining to the issuance of Basic Property Insurance notwithstanding, coverage for a Named Storm* under this
policy is hereby excluded. This limitation is added to your policy by reason of Massachusetts Property Insurance
Underwriting Association's receipt of the application for insurance or request for endorsement subsequent to the
the United States coast North of Latitude 35.3' North (North Carolina- Virginia State boundary).
*Named Storm means a hurricane or tropical storm given a name by National Hurricane Center or Weather
Prediction Center, both under the National Weather Service.
When the Named Storm has passed, and 24 hours after the watch or warning is dropped this limitation will
automatically cease to apply.
Very truly yours,
Underwriting
UMATS4-6
117
Two Center Plaza, Boston, MA 02108-1904
800-392-6108 617-723-3800
HOMEOWNER POLICYHOLDER NOTICE
WINDSTORM OR HAILNAMED STORM PERCENTAGE DEDUCTIBLES
NO COVERAGE IS PROVIDED BY THIS POLICYHOLDER NOTICE NOR CAN IT BE CONSTRUED TO

REPLACE ANY PROVISION OF YOUR POLICY. YOU SHOULD READ YOUR POLICY AND REVIEW
YOUR DECLARATION PAGE FOR COMPLETE INFORMATION ON THE COVERAGES YOU ARE
PROVIDED. IF THERE IS ANY CONFLICT BETWEEN THE POLICY AND THIS SUMMARY, THE
PROVISIONS OF THE POLICY SHALL PREVAIL.
The total of all loss payable under Section I of th1s policy is subjeet to a special higher deductible when
windstorm or hail directly or indirectly causes damage to property.
The total of all loss payable under Section I of this policy is subject to a special higher deductible when a
Named Storm, as the term is defined within the Named Strom Percentage Deductible endorsement directly
or indirectly causes damage to property.
You have received a premium credit for this higher windstorm or haii Named Storm deductible. For this
credit, you will be responsible for the portion of any windstorm or hail loss caused directly or indirectly by a
Named Storm , which is less than or equal to your 'Nindstorm or haiiNamed Storm deductible.
The actual dollar amount of the windstorm or haiiNamed Storm deductible as well as the windstorm or
haHNamed Storm deductible as a percentage of the Coverage A limit can be found in the DEDUCTIBLE
section of your Policy Declarations. The actual dollar amount of the windstorm Named Storm deductible is
determined by multiplying the percentage deductible amount by the Coverage A limit as indicated on your
Policy Declarations. If your Coverage A limit changes for any reason, whether by MPIUA's action or at your
request, this windstorm or haiiNamed Storm deductible amount will also change. The windstorm or hail
deductible amount is subtracted from the total of the loss caused by windstorm or hail Named Storm.
Example 1:
Assume the percentage amount is 2% and a Coverage A limit of liability of $200,000. You would
be responsible for the first $4,000 of all loss payable under Section I of your policy, caused directly
or indirectly by windstorm or hail (2% of $200,000 is equal to $4,000) .
This deductible is then applied to the total of the loss for all Section I Property Coverages (except
losses payable under Coverage D) .
Loss due to windstorm or hail
$21 ,250 dwelling building (Coverage A)

1,585 detached garage (Coverage B)
775 personal property (Coverage C)
1,800 additional living e><penses (Co•;erage D)
185 cut up and remove fallen tree that damaged covered property
+ 425 temporary repairs to hole in roof and to board-up openings
caused by broken windows
$26,020 24.220 Total Loss
- 4.000 deductible
$~20,220 amount we will pay for the loss
Notice % Wind Ded 02 01 0404 01 18
118
Example 2:
be responsible for the first $4,000 of any loss, caused directly or indirectly by windstorm or hail_g
Named Storm, to property coverage under Section I of your policy. (2% of $200,000 is equal to
$4,000).
This deductible is then applied to the total of the loss for all Section I Property Coverages.
Loss due to windstorm or haila Named Storm
1 ,200 detached garage (Coverage B)
$1.500 Total Loss

- 4,000 Deductible
- No payment will be paid for the loss since deductible amount exceeds the loss total.
THERE MAY BE OTHER FIXED OR PERCENTAGE DEDUCTIBLE OPTIONS AVAILABLE TO YOU .

CONTACT YOUR AGENT OR MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING
ASSOCIATION FOR MORE INFORMATION REGARDING THESE OPTIONS.
Includes copyrighted material of Insurance Services Office, Inc., with its permission
Notice %Wind Ded Q2 Q1 Q404 01 18
119
800-392-6108 617-723-3800
]NINDSTORM OR I-IAib NAMED STORM FIXED-DOLLAR DEDUCTIBLES h_ _ _ _ _~

Formatted: Strlke:..::.th__ro__uc.: :g:..::.

REPLACE ANY PROVISION OF YOUR POLICY. YOU SHOULD READ YOUR POLICY AND REVIEW YOUR
DECLARATION PAGE FOR COMPLETE INFORMATION ON THE COVERAGES YOU ARE PROVIDED. IF
THERE IS ANY CONFLICT BETWEEN THE POLICY AND THIS SUMMARY, THE PROVISIONS OF THE
POLICY SHALL PREVAIL.
This pelisy is subjest te a spesial higher dedustible wheA ,wiAdsterm er hail direstly er i Adire&tly sau~ Formatted: Strikethrough
damage te property, severed uAder SestieA I ef this pelisy.
The total of all loss payable under Section I of this policy is sublect to a special higher deductible when a
Named Storm. as that term is defined within the Named Storm Fixed-Dollar Deductible endorsement,
directly or indirectly causes damage to property.
You have received a premium credit for this higher ,wiAdsterm er hail deductible. For this credit, you ~ormatted: Strikethrough
be responsible for the portion of any wiAdsterm er hail loss caused directly or indirectly by a Na F 1L d St 'k th h;_~==~-~
StormT which is less than or equal to y'our ,wiAdsterm er hail Named Storm deductible as shown on y _?!!!!!,tte : n e _ro_u;;..g------~
Policy Declarations page. [ Formatted: Strikethrough
The deductible amount, shown on the Policy Declaration page In the section captioned " Deductible", is
subtracted from the total of the loss caused by ,wiAdsterm er hail a Named Storm. Formatted: Strikethrough
"------ - - -
For example:
Assume the deductible amount is $2,000. You w ould be responsible for the first $2,000 of a_I!Y
loss, caused directly or indirectly by ;.viAdsterm er hail a Named Storm , to your property covel Formatted: Strikethrough
under Section I of your policy.
Loss due te wiAdsterm er hail caused directly or indirectly by a Named Storm (except losses
payable under Coverage D.l
$21,250 dwelling building (Coverage A)

1,800 additieAalliviAg expeAses (Ce¥erage Dl
+ 425 temporary repairs to hole In roof and to board-up openings caused by broken windows
$~24,220
- 2.000 deductible
$~ 22 ,220 amount we will pay for the loss
THERE MAY BE OTHER FIXED OR PERCENTAGE DEDUCTIBLE OPTIONS AVAILABLE TO YOU.

Notice Fixed- Dollar \\ ind Ded :\a med Oed O.t 0 I 18
120
Notice Fixed- Dollar Wind Detl Named Ded 04 0 I 18
121
800-392-6108 617-723-3800
DWELLING POLICYHOLDER NOTICE
\\ 1'\ DSTORI\1 OR li ~l b~:\:\ I E D STO R\1 PERCENTAGE DEDUCTIBLES
NO COVERAGE l S PROVIDED BY Tl-flS POLICYHOLDER NOTICE NOR CAN IT BE CONSTRUED TO REPLACE

ANY PROVISION OF YOUR POLICY. YOU SHOULD READ YO UR POLICY AND REVIEW YOUR DECLARATION
PAGE FOR COMPLETE INFORMATION ON THE COVERAGES YOU ARE PROVIDED. IF THERE IS ANY
CONFLICT BETWEEN THE POLICY AND THIS SUMMARY, THE PROVISIONS OF THE POLICY SHALL PREVAIL.
rhis polie~ is subjeet to a speeial higher dedttetiBie '•\hen \\indstornl or hail direetl) or in<:lireetl~ eatJses dan1<1ge to f1ropert~ .
eo\ered under Seetion I oftl1is polie) .
Named Storm, as that term is defined within the Named Storm Percentage Deductible endorsement. directly or
indirectly caus es damage to property.
You have received a premium credit for this higher ~~ indsterm er hnil deductible. For this credit, you will be
responsible for the portion of any ., indsterm e r hnil loss ca used d irecth or indirecth b\ a '\ amed Storm, which is less
than or equal to your ~' indste rn1 er hn il'\ amed Storm deductible as shown on your Policy Declarations page.
The deduetiBie amotlnt is suBtraeted from the total of the less eaused Bj •,·, indstorn1 er l1ail. It is determi11ed B) muhipl; ing the
pereentage anmu11t stated en E11dersement DP QJ 12. or elsev.here in the pelie). B) tl1e limit of liaailit) appl:_. i11g to Ce\'erage
1\, 8. D. or E. whiehe·,.er is greatest. 1 hese li111its are stated on the Poliey Deelarations 11age. If these limits el1ange. tl1is
\\ indstorm or hai l aeduetiBie ameu11tma; also ehange.
The actual dollar amount of the '.amed Storm deductible is determined bv multi pi\ ing the percentage deductible amount bv the
Coverage A limit as indicated on vour Polic> Declarations. The actual dollar amount can be found in the DEDl CTIBLC
Section of\l1Ur Polic\ Declarations. lfvour Co\erage .-\limit changes for am reason. \\hether b\ !\1PILA ·s action or at vour
request. this . amed Storm deductible amount will also change. The '\amed Storm deductible amount is subtracted from the
total of the loss caused b\ a '-lamed Storm.
For example, assume the percentage amount is 2% and the limits covered under the policy are:
Coverage A - $100,000.
Coverage B - $ 15,000. (total of blanket limit and limit for specific
structures)
Coverage C - $ 40,000.
Cm erage D $ 2QJ)QQ.
Ce,•erage E. $ I ().QQQ.
Since, in this example, Coverage A has the greatest limit of liability when compared with the limits for Coverages B,
D and E, you would be responsible for the first $2,000 of any loss, caused directly or indirectly by windstorm or hail,
to property covered under your policy. (2% of $100,000 is equal to $2,000).
This deductible is then applied to the total of the loss for all property coverages (e:-.cept losses paHtbll! under
Co\erage D or C.1
$2 1,250 dwelling building (Coverage A)

I ,585 detached garage (Coverage B)
1.8()() fair rental ·.al~:~e {CO\erage D)
3,QQQ additiona l living e'<l1enses ((eHrage E)
$~21,610
- 2.000 deductible
122
$~21.61 0 amount we w ill pay for the loss

CONTACT YOUR AGENT OR MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION
FOR MORE INFORMATION REGARDING THESE OPTIONS.
Includes copyrighted material oflnsurance Services Office, Inc., with its permission
123
800-392-6108 617-723-3800
\~ INDSTORI\1 O R IIAibNAl\1ED STOR;\1 FIXED-DOLLAR DEDUCTIBLES
NO COVERAGE IS PROVIDED BY nus POLICYHOLDER NOTICE NOR CAN IT BE CONSTRUED TO REPLACE

ANY PROVISION OF YOUR POLICY. YOU SHOULD READ YOUR POLICY AND REVIEW YOUR DECLARA TJON
CONFLICT BETWEEN THE POLICY AND TI-llS SUMMARY, THE PROVISIONS OF THE POLICY SHALL PREY ALL.
This f!Olie) is sttbjeet to a Sf!eeial higher ~e~uetil:Jle "hen v. inEisterm tJr hall Elireetl:• or inaireetl) eauses Elamage te f!r8pert).
eevere~ unaer Seetion I of thb pelie).
Named Storm, as that term is defined within the Named Storm Fixed-Dollar Deductible endorsement, directly or
indirectly causes damage to property.
You have received a premium credit for this higher '~ in6sta rn1 a r hail deductible. For this credit, you will be
responsible for the portion of any windstorm ar hail loss caused direct(} or indirectly by a 1\ amed Storm, which is less
than or equal to your ~~ inasta rm a r hail Named Storm deductible as shown on your Policy Declarations page.
The deductible amount, shown on the Policy Declarations page in the section captioned "Deductible", is subtracted from the
total of the loss caused by v. in6stom1 or hai I a :\amed Storm.
For example:
Assume the ded uctible amount is $2,000. You would be responsible for the first $2,000 of any loss, caused directly
or indirectly by '•\ inesterm or l1ai l a Named Strom, to property covered under your policy.
Loss Elue to v.inEistenn or hail caused directly or indirectly by a Named Storm (except losses payable under Coverage
D or E.)

1.800 fair rental ·,alue (C'merage D)
+ 3.000 aaeitionol (i,·ing t!'cf!eRSe (CO\ erage E)
$~23.610
- 2.000 deductible
$~21.61 0 amount we wi ll pay for the loss
THERE MAY BE OTHER FIXED OR PERCENTAGE DED UCTIBLE OPTIONS AVAILABLE TO YOU.
CONTACT YOUR AGENT OR MASSACBUSETIS PROPERTY INSURANCE UNDERWRIT ING ASSOCIATION
124
Includes copyrighted material ofinsurance Services Office, Inc., with its permission
125
800-392-6108 617-723-3800
NAMED STORM PERCENTAGE DEDUCTIBLES

REPLACE ANY PROVISION OF YOUR POLICY. YOU SHOULD READ YOUR POLICY AND REVIEW
YOUR DECLARATION PAGE FOR COMPLETE INFORMATION ON THE COVERAGES YOU ARE
PROVIDED. IF THERE IS ANY CONFLICT BETWEEN THE POLICY AND THIS SUMMARY, THE
PROVISIONS OF THE POLICY SHALL PREVAIL.
Named Storm, as the term is defined wtthin the Named Strom Percentage Deductible endorsement
You have received a premium credit for this higher Named Storm deductible. For this credit, you will be
responsible for the portion of any loss caused directly or indirectly by a Named Storm, which is less than or
equal to your Named Storm deductible.
The actual dollar amount of the Named Storm deductible as well as the Named Storm deductible as a
percentage of the Coverage A limit can be found in the DEDUCTIBLE section of your Policy Declarations.
The actual dollar amount of the Named Storm deductible is determined by multiplying the percentage
deductible amount by the Coverage A limit as indicated on your Policy Declarations. If your Coverage A
limit changes for any reason, whether by MPIUA's action or at your request, this Named Storm deductible
amount will also change. The windstorm or hail deductible amount is subtracted from the total of the loss
caused by Named Storm.
Example 1:
be responsible for the first $4,000 of all loss payable under Section I of your policy, caused directly
or indirectly by windstorm or hail (2% of $200,000 is equal to $4,000).
This deductible is then applied to the total of the loss for all Section I Property Coverages (except
losses payable under Coverage D).

+ 425 temporary repairs to hole in roof and to board-up openings
caused by broken windows
$24,220 Total Loss
- 4 000 deductible
$20,220 amount we will pay for the loss
Notice% Wind Ded 04 0118
126
Example 2:
be responsible for the first $4,000 of any loss, caused directly or indirectly by a Named Storm, to
property coverage under Section I of your policy. (2% of $200,000 is equal to $4,000).
This deductible is then applied to the total of the loss for all Section I Property Coverages.
Loss due to a Named Storm
$1,500 Total Loss

- 4 000 Deductible
- No payment will be paid for the loss since deductible amount exceeds the loss total.

Notice% Wind Ded 04 0118
127
800-392-6108 617-723-3800
NAMED STORM FIXED-DOLLAR DEDUCTIBLE$

Named Storm, as that term is defined within the Named Storm Fixed-Dollar Deductible endorsement,
You have received a premium credit for this higher Named Storm deductible. For this credit, you will be
responsible for the portion of any loss caused directly or indirectly by a Named Storm which is less than
or equal to your Named Storm deductible as shown on your Policy Declarations page.
The deductible amount, shown on the Policy Declaration page in the section captioned "Deductible", is
subtracted from the total of the loss caused by a Named Storm.
For example:
Assume the deductible amount is $2,000. You would be responsible for the first $2,000 of any
loss, caused directly or indirectly by a Named Storm , to your property covered under Section I of
your policy.
Loss caused directly or indirectly by a Named Storm (except losses payable under Coverage D.l

+ 425 temporary repairs to hole in roof and to board-up openings caused by broken windows
$24,220
-2.000 deductible
$22,220 amount we will pay for the loss

Notice Fixed- Dollar Named Ded 04 0118
128
800-392-6108 617-723-3800
NAMED STORM PERCENTAGE DEDUCTIBLES
NO COVERAGE IS PROVIDED BY THlS POLICYHOLDER NOTICE NOR CAN IT BE CONSTRUED TO REPLACE

ANY PROVISION OF YOUR POLICY. YOU SHOULD READ YOUR POLICY AND REVIEW YOUR DECLARATION
CONFLICT BETWEEN THE POLICY AND THlS SUMMARY, THE PROVISIONS OF THE POLICY SHALL
PREVAIL.
Named Storm, as that term is defined within the Named Storm Percentage Deductible endorsement, directly or
You have received a premium credit for this higher deductible. For this credit, you will be responsible for the portion
of any loss caused directly m· indirectly by a Named Storm, which is less than or equal to your Named Storm
deductible as shown on your Policy Declarations page.
The actual dollar amount of the Named Storm deductible is determined by multiplying the percentage deductible amount by
the Coverage A limit as indicated on your Policy Declarations. The actual dollar amount can be found in the DEDUCTIBLE
Section of your Policy Declarations. If your Coverage A limit changes for any reason, whether by MPIUA's action or at your
request, this Named Storm deductible amount will also change. The Named Storm deductible amount is subtracted from the
total of the loss caused by a Named Stonn.
For example, assume the percentage amount is 2% and the limits covered under the policy are:
Coverage A - $100,000.
Coverage B - $ 15,000. (total of blanket limit and limit for specific
structures)
Coverage C - $ 40,000.
Since, in this example, Coverage A has the greatest limit of liability when compared with the limits for Coverages B,
D and E, you would be responsible for the first $2,000 of any loss, caused directly or indirectly by windstorm or hail,
to property covered under your policy. (2% of$100,000 is equal to $2,000).
This deductible is then applied to the total of the loss for all property coverages (except losses payable under
Coverage D or E.)

I ,585 detached garage (Coverage B)
$23,610
- 2 000 deductible
$21 ,61 0 amount we wi II pay for the loss

Includes copyrighted material ofinsurance Services Office, Inc., with its permission
129
800-392-6108 617-723-3800
NAMED STORM FIXED-DOLLAR DEDUCTIBLES
NO COVERAGE IS PROVIDED BY THIS POLICYHOLDER NOTICE NOR CAN IT BE CONSTRUED TO REPLACE

ANY PROVISION OF YOUR POLICY. YOU SHOULD READ YOUR POLICY AND REVIEW YOUR DECLARATION
CONFLICT BETWEEN THE POLICY AND THIS SUMMARY, THE PROVISIONS OF THE POLICY SHALL
PREVAIL.
Named Storm, as that term is defined within the Named Storm Fixed-Dollar Deductible endorsement, directly or
You have received a premium credit for this higher deductible. For this credit, you will be responsible for the portion
of any loss caused directly or indirectly by a Named Storm, which is less than or equal to your Named Storm
deductible as shown on your Policy Declarations page.
The deductible amount, shown on the Policy Declarations page in the section captioned "Deductible 11 , is subtracted from the
total of the loss caused by a Named Storm.
For example:
Assume the deductible amount is $2,000. You would be responsible for the first $2,000 of any loss, caused directly
or indirectly by a Named Strom, to property covered under your policy.
Loss caused directly or indirectly by a Named Storm !except losses payable under Coverage D or E.l

~$23.610
- 2 000 deductible
$21 ,610 amount we will pay for the loss

130
Two Center Plaza, Boston MA 02108-1904
800-392-6108 617-723-3800
'·"JINDSTORM NAMED STORM LOSS_MITIGATION MEASURES NOTICE

The MPIUA has recently recei'+'ed approval from the Commissioner of Insurance to revise its personal lines
Windstorm or Hail Percentage Deductible Program. The revision gives i!nsureds have the opportunity to remove or
reduce their higher Windstorm or Hail Named Storm Percentage Deductible by perform ing specific wffia-Named
Storm loss mitigation measures. Insureds who perform the approved mitigation measures will also receive the
benefit of the premium credit that would otherwise only apply to their policies with the higher deductible.
The measures identified below to protect your home from wffia-Named Storm damage will remove or reduce your
Minimum IJIJindstorm or Hail Named Storm Percentage Deductible, depending on t he number and kinds of
measures you complete.
resistant.
1. Windows or Shutters: Installation of impact
resistant glass or impact resistant shutters that
close over window openings to prevent flying 2. Entry Doors : Installation of at least 3 hinges and
debris from breaking window panes. If Plywood a dead bolt security lock with a bolt at least one
Shutters are being used , the following guidelines inch long.
must be followed: 3. Patio Doors: Sliding glass doors are more
• Minimum 5/8" thickness vulnerable to wind damage than most other doors.
• Must not be used on openings greater than Installation of impact resistant door systems made
8'x4'. The plywood must overlap the opening of laminated glass or plastic glazing is necessary
by 4" on each side. to prevent flying debris from breaking the glass.
• Must be pressure treated to resist moisture 4. Garage Doors: Because of their size, garage
damage and stored inside. doors are highly susceptible to wind damage.
labeled for ease of installation. Four Y." holes debris impact. One such label is SBCC 1
must be drilled in the center area of each (Standard Building Code Congress International).
panel to relieve pressure during a hurricane. Or, proof that a qualified inspector has determined
• Plywood panels up to 3' x 4' must use W bolts your garage door and track system can resist high
winds and has installed permanent metal
that have contact with the wall anchor of at
stiffeners.
least 1Y." on frame or masonry walls. Larger
sheets of plywood require 3/8" bolts that have 5. Roof and Foundation Connections: The points
where the roof and the foundation meet the walls
contact with the wall anchor of at least 1%" on
of the home are extremely important if it is to resist
frame walls and 1W' on masonry walls. high winds and pressures they place on the entire
• The building must be pre-dri lled for wall structure.
anchors. The anchors and corresponding a. The roof must be anchored to the walls
bolts must be kept in the wall at all times. The with metal clips and straps.
holes for the bolts must be 2W' from the edge
b. The walls must be properly anchored to
of the plywood at intervals of not greater than the foundation.
12".
c. If the house is more than one story, the
• All bolts and wall anchors must be corrosion upper story wall framing must be firmly
131
connected to the lower framing.
Required Documentation :
Proof that these measures have been completed is required for the wind dedblotialeNamed Storm to be removed or
reduced . Proof may be obtained by the receipt of a signed statement from a qualified contractor or the policyholder
certifying that these measures are in place. A copy of the certificate must be submitted with the application or request for
endorsement.
Remove or Reduce Windsterm er Mail DeduGtible Named Storm Deductible:
The removal or reduction of the Windsterm or Hail§. Named Storm Deductible varies based on the initial Windstorm or Hail
Named Storm Deductible and the mitigation efforts performed. These can be summarized in the following chart:
Pre-mitigation Post-mitigation
W+nd Named Storm Deductible Mitigation Stej;!s Wind Named Storm
Deductible
Any All All Perils Deductible
5% Roof & Foundation 1%
5% Roof Only 2%
2% 1%
5% All Windows & 2%
2% All Glass Doors 1%
If the Windstorm or Hail Named Storm Deductible is removed or reduced due to mitigation steps taken by the insured , the
premium credit used in the calculation of the policy premium will be based on the original higher Minimum Windstorm or Hail
Named Storm Deductible that would have been applicable to the policy.
Examj;!le
Assume that you have an All Perils Deductible of $500 with a Windstorm or Hail Named Storm Deductible of 5% and a
Coverage A (Building) Limit of Liability of $200,000 , you will be responsible for the first $10,000 of any loss payable under
Section I of your policy which is caused by windstorm or hail a Named Storm (5% of $200,000 equals $1 0,000). If, however, you
perform all of the required mitigation measures , your 11'/indstorm or Hail Named Storm Deductible would be reduced to your All
Perils Deductible of $500. Consequently, in the event of a Section I property coverage loss due to windstorm or hail a Named
Storm of $20,000, your loss payment will be increased from $10,000 to $19,500 due to the completion of all of the required
mitigation measures.
Additionally, your policy premium will reflect a credit based on the original higher VVindsterm or Hail Named Storm Deductible of
5%. Therefore, by performing all of the required mitigation measures, you not only get the benefit of a reduced Windstorm or
MaH Named Storm Deductible but also the benefit of a reduced premium .
Premium credits vary based on the coverage amount, the mitigation measures performed and the reduction of the deductible.
Contact your Agent or Massachusetts Property Insurance Underwriting Association for further details.
Notice Mitigation HO Percentage 12 1a 07 4 01 18
132
Two Center Plaza, Boston MA 021 08-1904
800-392-6108 617-723-3800
WINDSTORM LOSSNAMED STORM LOSS MITIGATION MEASURES NOTICE

POLICY SHALL PREVAIL
The MPIUA has recently received approval from the Commissioner of Insurance to revise 1ts personal lines Fixed
Dollar VIJindstorm or Hail Deductible Program. The revision gives !insureds have the opportunity to remove or
reduce their higher VVindstorm or HaiiNamed Storm Fixed-Dollar Deductible by performing specific wffia.-Named
The measures identified below to protect your home from wffia.-Named Storm damage will remove or reduce your
Minimum VVindstorm or HaiiNamed Storm Fixed-Dollar Deductible, depending on the number and kinds of
measures you complete.
resistant.
close over window openings to prevent flying 2. Entry Doors: Installation of at least 3 hinges and
Shutters are being used, the following guidelines inch long.
must be followed : 3. Patio Doors: Sliding glass doors are more
labeled for ease of installation. Four%" holes debris impact. One such label is SBCC1
must be drilled in the center area of each (Standard Building Code Congress International).
• Plywood panels up to 3' x 4' must use %" bolts your garage door and track system can resist high
stiffeners.
least 1%" on frame or masonry walls. Larger
contact with the wall anchor of at least 1o/." on
frame walls and 1%" on masonry walls. high winds and pressures they place on the entire
• The building must be pre-drilled for wall structure.
holes for the bolts must be 2%" from the edge
of the plywood at intervals of not greater than the foundation .
12".
133
Proof that these measures have been completed is required for the wffiG-Named Storm deductible to be removed or
reduced . Proof may be obtained by the receipt of a signed statement from a qualified contractor or the policyholder
certifying that these measures are in place. A copy of the certificate must be submitted with the application or request for
endorsement.
Remove or Reduce Windstarm ar Hail Named Storm Deductible:
The reduction or removal of the Windstorm or Ha1INamed Storm Deductible varies based on the initial VIJindstorm or Hailnamed
Storm Deductible and the mitigation efforts performed. These can be summarized in the following chart:
Wffid-Named Storm Deductible Mitigation Steps Wffid-Named Storm
Deductible
$5,000 Roof & Foundation $1,000
$2,000 All Perils Deductible
$5,000 Roof Only $1 ,000
$2,000 $500
$1.000 All Perils Deductible
$5,000 All Windows & $1 ,000
$2,000 All Glass Doors $500
If the Windstorm or HaiiNamed Storm Deductible is removed or reduced due to mitigation steps taken by the insured , the
premium credit used in the calculation of the policy premium will be based on the original higher Minimum Windstorm or
Fla#Named Storm Deductible that would have been applicable to the policy.
Example
Assume that you have an All Perils Deductible of $500 with a Windstorm or HaiiNamed Storm Deductible of $5,000 and a
Coverage A (Building) Limit of Liability of $200,000, you will be responsible for the first $5,000 of any loss payable under Section
I of your policy which is caused by windstorm or haila Named Storm . If, however, you perform all of the required mitigation
measures, your Windstorm or HaiiNamed Storm Deductible would be reduced to your All Perils Deductible of $500.
Consequently, in the event of a Section I property coverage loss due to windstorm or haila Named Storm of $20,000, your loss
payment will be increased from $15,000 to $19,500 due to the completion of all of the required mitigation measures.
Additionally, your policy premium will reflect a credit based on the original higher VIJindstorm or HaiiNamed Storm Deductible of
$5,000. Therefore by performing all of the requ ired mitigation measures, you not only get the benefit of a reduced Windstorm or
Fla#Named Storm Deductible but also the benefit of a reduced premium.
134
Notice Mitigation HO Fixed Dollar 12 15 0704 01 18
135
800-392-6108 617-723-3800
WINDSTORM NAMED STORM LOSS MITIGATION MEASURES NOTICE

POLICY SHALL PREVAIL
The MPIU.A. has recently receivea approval froA1 the GoA1A11SSioner of Insurance to rev1se 1ts personal lines
W~nastorA1 or Hail Percentage Deauct1ble PrograA1 The rev1s1on g1ves !insureds have the opportunity to remove or
reduce their higher WinastorA1 or HaiiNamed Storm Percentage Deductible by performing specific wiA4-Named
The measures identified below to protect your home from wind damage will remove or reduce your Minimum
WinastorA1 or HaiiNamed Storm Percentage Deductible, depending on the number and kinds of measures you
complete.
resistant.
close over window openings to prevent flying 2. Entry Doors: Installation of at least 3 hinges and
Shutters are being used , the following guidelines inch long.
must be followed:
3. Patio Doors: Sliding glass doors are more
labeled for ease of installation. Four X" holes debris impact. One such label is SBCC1
must be drilled in the center area of each (Standard Building Code Congress International) .
• Plywood panels up to 3' x 4' must use X" bolts your garage door and track system can resist high
stiffeners.
least 1X " on frame or masonry walls. Larger
contact with the wall anchor of at least 1~" on
frame walls and 1%" on masonry walls. high winds and pressures they place on the entire
• The building must be pre-drilled for wall structure.
holes for the bolts must be 2%" from the edge
of the plywood at intervals of not greater than the foundation.
12".
• All bolts and wall anchors must be corrosion
upper story wall framing must be firmly
136
Proof that these measures have been completed is required for the wind deductible to be removed or reduced. Proof may
be obtained by the receipt of a signed statement from a qualified contractor or the policyholder certifying that these
measures are in place. A copy of the certificate must be submitted with the application or request for endorsement.
Remove or Reduce Windstorm or HaiiNamed Storm Deductible:
The reduction or removal of the Windstorm or Hail Deductible varies based on the initial Windstorm or Hail Named Storm
Deductible and the mitigation efforts performed. These can be summarized in the following chart:
WiRd-Named Storm Deductible Mitigation Ste~s WiRQ..Named Storm
Deductible
5% Roof Only 2%
2% 1%
5% All Windows & 2%
If the 1Nindstorm or Hail Named Storm Deductible is removed or reduced due to mitigation steps taken by the insured, the
premium credit used in the calculation of the policy premium will be based on the original higher Minimum Windstorm or
l=lailNamed Storm Deductible that would have been applicable to the policy.
Example
Assume that you have an All Perils Deductible of $500 with a Windstorm or HaiiNamed Storm Deductible of 5% and a Coverage
A (Building) Limit of Liability of $200,000, you will be responsible for the first $10,000 of any loss payable to property covered
under your policy which is caused by windstorm or haiiNamed Storm (5% of $200,000 equals $10,000). If, however, you
perform all of the required mitigation measures your deductible would be reduced to your All Perils Deductible of $500.
Consequently, in the event of a property coverage loss due to •.vindstorm or hail Named Storm of $20,000, your loss payment will
be increased from $10,000 to $19,500 due to the completion of all of the required mitigation measures.
Additionally, your policy premium will reflect a credit based on the original higher Wintlstorm or Hail Named Storm Deductible of
5%. Therefore, by performing all of the required mitigation measures, you not only get the benefit of a reduced Wintlstorm or
Flail-Named Storm Deductible but also the benefit of a reduced premium.
137
Notice Mitigation OW Percentage 12 15 07
138
800-392-6108 617-723-3800
}.'VINDSTORM NAM ED STORM LOSS MITIGATION MEASURES NOTICE ( Formatted: Strikethrough

TF1e MPIIJA Aas Fesently FeseiveEI aflwoval ffoFA IRe CoFAFAISsioneF of IASllFaAse to revise its flBFsonallines Fixes
Qa!laf-WiRGslefm--..,.aii-GeGlJGtiGie PregraFA. TAe revision gives ilnsureds the opportunity to remove or reduce
their higher }NinEisloFFA oF Mail Named Storm Fixed-Dollar Deductible by performing specific wind loss mitigation
measures. Insureds who perform the approved mitigation measures will also receive the benefit of the premium
( Formatted: Strikethrough _ _)
c redit that would otherwise only apply to their policies with the higher deductible.
The measures identified below to protect your home from wind damage will remove or reduce your Minimum
.WinEisloFFA oF Mail Named Storm Fixed-Dollar Deductible, depending on the number and kinds of measures you ( Formatted: Strikethrough __ J
complete.
resistant.
resistant glass or impact resistant shutters that close
over window openings to prevent flying debris from 2. Entry Doors: Installation of at least 3 hinges and a
breaking window panes. If Plywood Shutters are dead bolt security lock with a bolt at least one inch
being used, the following guidelines must be long .
followed: 3. Patio Doors: Sliding glass doors are more
Minimum 5/8" thickness vulnerable to wind damage than most other doors.
Must not be used on openings greater than Installation of impact resistant door systems made of
8'x4'. The plywood must overlap the opening laminated glass or plastic glazing is necessary to
by 4' on each side. prevent flying debris from breaking the glass.
Must be pressure treated to resist moisture 4. Garage Doors: Because of their size, garage doors
damage and stored inside. are highly susceptible to wind damage. Install a
All panel s must be pre-cut, pre-drilled and garage door and track system that is labeled and
rated for high wind pressures and debris impact.
labeled for ease of installation. Four Y.i" holes
One such label is SBCC1 (Standard Building Code
must be drilled in the center area of each panel Congress International). Or, proof that a qualified
to relieve pressure during a hurricane. inspector has determined your garage door and
Plywood panels up to 3' x 4' must use Y.i" bolts track system can resist high winds and has installed
that have contact with the wall anchor of at least permanent metal stiffeners.
1Y.i" on frame or masonry walls. Larger sheets 5. Roof and Foundation Connections: The points
of plywood require 3/8" bolts that have contact where the roof and the foundation meet the walls of
with the wall anchor of at least 1o/." on frame the home are extremely important if it is to resist
high winds and pressures they place on the entire
walls and 1Yz" on masonry walls.
structure.
The building must be pre-drilled for wall
a. The roof must be anchored to the walls
anchors. The anchors and corresponding bolts
with metal clips and straps.
must be kept in the wall at all times. The holes
for the bolts must be 2Yz" from the edge of the b. The walls must be properly anchored to
the foundation.
plywood at intervals of not greater than 12".
All bolts and wall anchors must be corrosion c. If the house is more than one story, the
139
upper story wall framing must be firmly connected to the lower framing.
Proof that these measures have been completed is required for the~ Named Storm deductible to be removed or reduced. Formatted: Strikethrough
Proof may be obtained by the receipt of a signed statement from a qualified contractor or the policyholder certifying that these
measures are in place. A copy of the certificate m ust be submitted with the application or request for endorsement.
Remove or Reduce !J'Iindsterm er Hail Named Storm Deductible: Formatted: Strlkethrou!jt
The reduction or removal of the ,Windslerm er Flail Named Storm Deductible varies based on the initial !JVinEisterm er Flail Named Formatted: Strikethrou!jt
Storm Deductible and the mitigation efforts performed. These can be summarized in the following chart: Formatted: Strlkethroujl
Wifl4 Nam ed Storm Deductible Mitigation Steps Wifl4 Named Storm Formatted: Strikethrough
Deductible
Formatted: Strikethrough
Any All A ll Perils Deductible
$5,000 Roof Only $1 ,000
$2,000 $500
$5,000 All Windows & $1 ,000
If the]Nindsterm er Flail Named Storm Deductible is removed or reduced due to mitigation steps taken by the insured , the Formatted: Strlkethrough
'===~
premium credit used in the calculation of the policy premium will be based on the original higher Minimum ]AAnEistarm ar Hail Formatted: Strikethrou!jt
Named Storm Deductible that would have been applicable to the policy.
Example
Assume that you have an All Perils Deductible of $500 with a !J'IinEisterm er Flail Named Storm Deductible of $5,000 and a Formatted: Strikethrough
Coverage A (Building) Limit of Liability of $200,000, you will be responsible for the first $5,000 of any loss payable to property
covered under your policy which is caused by .,winEislarm ar lolaiiName Storm. If, however, you perform_all of the required mitigation l Formatted: Strikethrough
measures, your .WinEistarm ar Flail Named Storm Deductible would be reduced to your A ll Perils Deductible of $500. Consequently, Formatted: Strikethrough
in the event of a property coverage loss due to ;.vinEistarm er lolail a Named Storm of $20,000, your loss payment will be increased
from $15,000 to $19,500 due to the completion of all of the required mitigation measures. Formatted: Strikethrough
Additionally, your policy premium will reflect a credit based on the original higher All Perils Deductible of $500 with a ]Nindsterrn er Formatted: Strikethrou!jt
lolail Deductible of $5,000. Therefore by performing all of the required mitigation measures, you not only get the benefit of a
redu ced .VIIinEisterFA er Flail QeEI!,JSiillle Named Storm but also the benefit of a reduced premium. Formatted: Strikethroujl
Contact your Agent or Massachusetts Property Insurance Underwriting Association for further detail s.
140
Notice Mitigation DW Fixed Dollar ~ 04 01 18
141
800-392-6108 617-723-3800
NAMED STORM LOSS MITIGATION MEASURES NOTICE

Insureds have the opportunity to remove or reduce their higher Named Storm Percentage Deductible by performing
specific wiRG-Named Storm loss mitigation measures. Insureds who perform the approved mitigation measures will
also receive the benefit of the premium credit that would otherwise only apply to their policies with the higher
deductible.
The measures identified below to protect your home from Named Storm damage will remove or reduce your
Minimum Named Storm Percentage Deductible, depending on the number and kinds of measures you complete.

2. Entry Doors: Installation of at least 3 hinges and a
resistant glass or impact resistant shutters that dose
dead bolt security lock with a bolt at least one inch
over window openings to prevent flying debris from
long.
breaking window panes. If Plywood Shutters are
being used, the following guidelines must be 3. Patio Doors: Sliding glass doors are more
followed: vulnerable to wind damage than most other doors.
• Minimum 5/8" thickness Installation of impact resistant door systems made of
• Must not be used on openings greater than laminated glass or plastic glazing is necessary to
8'x4'. The plywood must overlap the opening prevent flying debris from breaking the glass.
by 4" on each side. 4. Garage Doors: Because of their size, garage doors
• Must be pressure treated to resist moisture are highly susceptible to wind damage. Install a
damage and stored inside. garage door and track system that is labeled and
labeled for ease of installation. Four %" holes Congress International). Or, proof that a qualified
must be drilled in the center area of each panel inspector has determined your garage door and
to relieve pressure during a hurricane. track system can resist high winds and has installed
• Plywood panels up to 3' x 4' must use %" bolts permanent metal stiffeners.
that have contact with the wall anchor of at least 5. Roof and Foundation Connections: The points
1%" on frame or masonry walls. Larger sheets where the roof and the foundation meet the walls of
of plywood require 3/8" bolts that have contact the home are extremely important if it is to resist
with the wall anchor of at least 1%" on frame
structure.
walls and 1W' on masonry walls.
• The building must be pre-drilled for wall a. The roof must be anchored to the walls
must be kept in the wall at all times. The holes b. The walls must be properly anchored to
for the bolts must be 2%" from the edge of the the foundation.
plywood at intervals of not greater than 12". c. If the house is more than one story, the
resistant.
142
Proof that these measures have been completed is required for the Named Storm to be removed or reduced. Proof may be
obtained by the receipt of a signed statement from a qualified contractor or the policyholder certifying thatthese measures are
in place. A copy of the certificate must be submitted with the application or request for endorsement.
Remove or Reduce Named Storm Deductible:
The removal or reduction of the s Named Storm Deductible varies based on the initial Named Storm Deductible and the mitigation
efforts performed. These can be summarized in the following chart:
Named Storm Named Storm
Deductible Mitigation Stees Deductibe
An~ All All Perils Deductible
5% Roof Only 2%
2% 1%
5% All Windows & 2%
If the Named Storm Deductible is removed or reduced due to mitigation steps taken by the insured, the premium credit used in
the calculation of the policy premium will be based on the original higher Minimum Named Storm Deductible that would have been
applicable to the policy.
Examete
Assume that you have an All Perils Deductible of $500 with a Named Storm Deductible of 5% and a Coverage A (Building) Limit of
Liability of $200,000, you will be responsible for the first $10,000 of any loss payable under Section I of your policy which is caused
by a Named Storm (5% of $200,000 equals $10,000). If, however, you perform all of the required mitigation measures, your Named
Storm Deductible would be reduced to your All Perils Deductible of $500. Consequently, in the event of a Section I property
coverage loss due to a Named Storm of $20,000, your loss payment will be increased from $10,000 to $19,500 due to the
completion of all of the required mitigation measures.
Additionally, your policy premium will reflect a credit based on the original higher Named Storm Deductible of 5%. Therefore, by
performing all of the required mitigation measures, you not only get the benefit of a reduced I Named Storm Deductible but also the
benefit of a reduced premium.
Notice Mitigation HO Percentage 4 01 18
143
800-392-6108 617-723-3800

Insureds have the opportunity to remove or reduce their higher Named Storm Fixed-Dollar Deductible by performing
specific Named Storm loss mitigation measures. Insureds who perform the approved mitigation measures will also
receive the benefit of the premium credit that would otherwise only apply to their policies with the higher deductible.
The measures identified below to protect your home from Named Storm damage will remove or reduce your
Minimum Named Storm Fixed-Dollar Deductible, depending on the number and kinds of measures you complete.

long.
labeled for ease of installation. Four Y.;'' holes Congress International). Or, proof that a qualified
• Plywood panels up to 3' x 4' must use Y.i' bolts permanent metal stiffeners.
structure.
walls and 1W' on masonry walls.
for the bolts must be 2W' from the edge of the the foundation.
resistant.
144
Proof that these measures have been completed is required for the Named Storm deductible to be removed or reduced.
The reduction or removal of the Named Storm Deductible varies based on the initial named Storm Deductible and the mitigation
Pre~mitigation Post-mitigation
Deductible Mitigation Stees Named Storm
~1,000 All Perils Deductible
$5,000 Roof Only $1,000
$2,000 $500
$5,000 All Windows& $1,000
Example
Assume that you have an All Perils Deductible of $500 with a Named Storm Deductible of $5,000 and a Coverage A (Building) Limit
of Liability of $200,000, you will be responsible for the first $5,000 of any loss payable under Section I of your policy which is caused
by a Named Storm. If, however, you perform all of the required mitigation measures, your Named Storm Deductible would be
reduced to your All Perils Deductible of $500. Consequently, in the event of a Section I property coverage loss due a Named Storm
of $20,000, your loss payment will be increased from $15,000 to $19,500 due to the completion of all of the required mitigation
measures.
Additionally, your policy premium will reflect a credit based on the original higher Named Storm Deductible of $5,000. Therefore by
performing all of the required mitigation measures, you not only get the benefit of a reduced Named Storm Deductible but also the
Notice Mitigation HO Fixed Dollar 04 01 18
145
800-392-6108 617-723-3800

Insureds have the opportunity to remove or reduce their higher Named Storm Percentage Deductible by performing
specific Named Storm loss mitigation measures. Insureds who perform the approved mitigation measures will also
receive the benefit of the premium credit that would otherwise only apply to their policies with the higher deductible.
The measures identified below to protect your home from wind damage will remove or reduce your Minimum Named
Storm Percentage Deductible, depending on the number and kinds of measures you complete.

long.
by 4" on each side. 4. Garage Doors: Because oftheir size, garage doors
labeled for ease of installation. Four Y." holes Congress International). Or, proof that a qualified
• Plywood panels up to 3' x 4' must use W bolts permanent metal stiffeners.
structure.
walls and 111,'' on masonry walls.
for the bolts must be 211,'' from the edge of the the foundation.
plywood at intervals of not g realer than 12". c. If the house is more than one story, the
resistant.
146
Proof that these measures have been completed is required for the wind deductible to be removed or reduced. Proof maybe
obtained by the receipt of a signed statement from a qualified contractor or the policyholder certifying thatthese measures are
in place. A copy of the certificate must be submitted with the application or request for endorsement.
The reduction or removal of the Windstorm or Hail Deductible varies based on the initial Named Storm Deductible and the
mitigation efforts performed. These can be summarized in the following chart:
Deductible Mitigation Stees Deductible
5% Roof Only 2%
2% 1%
5% All Windows & 2%
Example
Assume that you have an All Perils Deductible of $500 with a Named Storm Deductible of 5% and a Coverage A (Building) Limit of
Liability of $200,000, you will be responsible for the first $10,000 of any loss payable to property covered under your policy which is
caused by Named Storm (5% of$200,000 equals $10,000). If, however, you perform all of the required mitigation measures your
deductible would be reduced to your All Perils Deductible of $500. Consequently, in the event of a property coverage loss due to
Named Storm of $20,000, your loss payment will be increased from $10,000 to $19,500 due to the completion of all of the required
mitigation measures.
Additionally, your policy premium will reflect a credit based on the original higher Named Storm Deductible of 5%. Therefore, by
performing all of the required mitigation measures, you not only get the benefit of a reduced Named Storm Deductible but also the
Notice Mitigation OW Percentage 04 01 18
147
800-392-6108 617-723-3800

Insureds the opportunity to remove or reduce their higher Named Storm Fixed-Dollar Deductible by performing
specific wind loss mitigation measures. Insureds who perform the approved mitigation measures will also receive the
The measures identified below to protect your home from wind damage will remove or reduce your Minimum Named
Storm Fixed-Dollar Deductible, depending on the number and kinds of measures you complete.

long.
garage door and track system that is labeled and
damage and stored inside.
labeled for ease of installation. Four Y." holes Congress International). Or, proof that a qualified
• Plywood panels up to 3' x 4' must use Y." bolts permanent metal stiffeners.
structure.
walls and 1Y," on masonry walls.
with metal dips and straps.
the foundation.
for the bolts must be 2%" from the edge of the
resistant.
148
Proof that these measures have been completed is required for the Named Storm deductible to be removed or reduced.
The reduction or removal of the Named Storm Deductible varies based on the initial Named Storm Deductible and the mitigation
Deductible Mitigation Steps Deductible
$5,000 Roof Only $1,000
$2,000 $500
$5,000 All Windows & $1,000
Example
Assume that you have an All Perils Deductible of $500 with a Named Storm Deductible of $5,000 and a Coverage A (Building) Limit
of Liability of $200,000, you will be responsible for the first $5,000 of any loss payable to property covered under your policy which is
caused by Name Storm. If, however, you perform_all of the required mitigation measures. your Named Storm Deductible would be
reduced to your All Perils Deductible of $500. Consequently, in the event of a property coverage loss due to a Named Storm of
$20,000, your loss payment will be increased from $15,000 to $19,500 due to the completion of all of the required mitigation
measures.
Additionally, your policy premium will reflect a credit based on the original higher All Perils Deductible of $500 with a Deductible of
$5,000. Therefore by performing all of the required mitigation measures, you not only get the benefit of a reduced Named Storm
but also the benefit of a reduced premium.
Notice Mitigation OW Fixed Dollar 04 01 18
149
HOMEOWNERS POLICY DECLARATIONS
Two Center Plaza, Boston, Massachusetts 02108-1904
(617)723-3800, (800)392-6108, FAX (800)932-6717
POLICY NUMBER POLICY PERIOD

1000000-1 From 1113012017 To 1113012018
12:01 AM Standard time at the residence premises.
NAMED INSURED & MAILING ADDRESS PRODUCER
JOHN DOE ABCINSURANCEAGENCY
1 MAIN STREET P.OBOX 1
CHATHAM, MA 02633 2 MAIN STREET
CHATHAM, MA 02633
THE RESIDENCE PREMISES COVERED BYTHIS POLICY IS LOCATED AT:

1 MAIN STREET, CHATHAM, MA 02633
We will provide the insurance described in this policy in return for the premium and compliance wrrh all applicable policy provisions.
Coverage is provided where a Premium or Limit of Liability is shown for the Coverage.
SECTION I COVERAGES: LIMIT OF LIABILITY PREMIUM
A Dwelling $350,000 $1,821
B Other Structures $35,000
C Personal Property $175,000
D Loss of Use $105,000
SECTION II COVERAGES:
E Personal Liability -each occurrence $500,000 $24
F Medical Payments to Others -each person $5,000 $11
TOTAL BASE PREMIUM $1,856
DEDUCTIBLE· SECTION 1: $1,000 EXCEPT NAMED STORM $7,000 (2% of Coverage A Limit)
FORM & ENDORSEMENTS made part of this policy at the time of issue.
HO 00 03 10/00 SPECIAL FORM
HO 01 20 9/01 SPECIAL PROVISIONS- MASSACHUSETTS
HO 03 12 10/00 WINDSTORM OR HAIL% DEDUCTIBLE -$308
HO 0416 10/00 PREMISES ALARM OR FIRE PROTECTION SYSTEM -$42
Credit 2%
HO 04 27 4/02 LIMITED FUNGI, WET OR DRY ROT. OR BACTERIA COVERAGE
Section I $10,000
Section II $50,000
HO 04 90 10/00 PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT $273
HO 04 96 10/00 NO SECTION II-LIABILITY FOR HOME DAY CARE COVERAGES
HO 05 08 11/02 SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A ONLY $52
Additional Amount Of Insurance 25%
HO 1610 1/09 WATER EXCLUSION ENDORSEMENT
MUA TRE 12/96 MPIUA TENTATIVE RATE
TOTAL PREMIUM ADJUSTMENT -$25
TOTAL ANNUAL PREMIUM $1,831
RATING INFORMATION: 1 FAMILY Frame TERRITORY 37 PROTECTION 03

This policy shall not be valid unless Boston,
countersigned by us: Massachusetts 11/30/2017 Countersigned:
UMAHODEC Homeowners - MA FILE COPY
150
HOMEOWNERS POLICY DECLARATIONS
(617)723-3800, (800)392·6108, FAX (800)932-6717

1000001·1 From 11/30/2017 To 11/30/2018
12:01 AM Standard time at the residence premises.
150 PARK STREET 1 DORCHESTER AVE.
DORCHESTER, MA 02122 DORCHESTER, MA 02124
THE RESIDENCE PREMISES COVERED BY THIS POLICY IS LOCATED AT:

150 PARK STREET, DORCHESTER, MA 02122
Coverage is provided where a Premium or Limit of Liability is shown for the Coverage.
SECTION I COVERAGES: LIMIT OF LIABILITY PREMIUM
A Dwelling $400,000 $1,788
B Other Structures $40,000
C Personal Property $200,000
D Loss of Use $120,000
SECTION II COVERAGES:
E Personal Liability -each occurnence $500,000 $24
F Medical Payments to Others -each person $5,000 $11
DEDUCTIBLE· SECTION 1: $1,000 EXCEPT $2,000 FOR NAMED STORM.
DED ADJ 10/00 DEDUCTIBLE ADJUSTMENT -$242
HO 00 03 10/00 SPECIAL FORM
HO 01 20 9/01 SPECIAL PROVISIONS- MASSACHUSETTS
HO 04 16 10/00 PREMISES ALARM OR FIRE PROTECTION SYSTEM -$41
Credit 2%
HO 04 27 4/02 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE
Section I $10,000
Section II $50,000
HO 04 90 10/00 PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT $268
HO 04 96 10/00 NO SECTION II-LIABILITY FOR HOME DAY CARE COVERAGES
HO 05 08 11/02 SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A ONLY $53
Additional Amount Of Insurance 25%
HO 1610 1/09 WATER EXCLUSION ENDORSEMENT
TOTAL PREMIUM ADJUSTMENT $38
RATING INFORMATION: 1 FAMILY Frame TERRITORY 02 PROTECTION 01

UMAHODEC Homeowners • MA FILE COPY
151
DWELLING PROPERTY AND PERSONAL LIABILITY POLICY DECLARATIONS
(617)723-3800, (800)392-6108, FAX (800)932-6717

1000002-1 From 11/30/2017 To 11/30/2018
12:01 AM Standard time at the described location.
JOHN DOE ABC INSURANCE AGENCY
2 MAIN STREET P.OBOX 1
CHATHAM, MA 02633 3 MAIN STREET
CHATHAM, MA 02633
Described Location:
2 MAIN STREET, CHATHAM, MA 02633
This insurance applies to the Described Location, Coverage for which a Limit of Liability is shown and Perils Insured Against for which a Premium is stated.
COVERAGES: LIMIT OF LIABILITY PERILS INSURED AGAINST: PREMIUM

A Dwelling $450,000 FIRE $1,333
SPECIAL FORM $980
L Personal Liability (each occurrence) $500,000 PERSONAL LIABILITY $120
M Medical Payments To Others (each person) $5,000 MEDICAL PAYMENTS TO OTHERS $4

DEDUCTIBLE: $1,000 ALL PERILS EXCEPT NAMED STORM $9,000 (2% of Coverage A Limit)
We cover only that part of the loss over the deductible stated.
DL 24 01 12/02 PERSONAL LIABILITY
DL 24 03 12/02 PERSONAL LIABILITY SCHEDULE
DL 2416 12/02 NO COVERAGE FOR HOME DAY CARE BUSINESS
DL 24 71 12/02 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE
Limit: $50,000
DL 25 20 6/04 SPECIAL PROVISIONS- MASSACHUSETTS
DP 00 03 12/02 SPECIAL FORM
DP 01 20 6/04 SPECIAL PROVISIONS- MASSACHUSETTS
DP 03 12 12/02 WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE -$341
DP 04 22 12/02 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE
Limit $10,000
DP05 38 11/03 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM;
DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT OF 2002
TERRORISM PREMIUM (CERTIFIED ACTS) $0
DP 1610 1/09 WATER EXCLUSION ENDORSEMENT
FP DL 01 1/15 PREMISES LIABILITY (NON-OWNER OCCUPIED DWELLING)
TRIADP 1/04 TERRORISM COVERAGE DISCLOSURE NOTICE (MUA)
TOTAL PREMIUM ADJUSTMENT -$341
RATING INFORMATION 1FAMILY Tenant Occupied Frame TERRITORY 37 PROTECTION 03

UMADWDEC Dwelling- MA FILE COPY
152
Two Center Plaza, Boston, Massachusetts 02108w1904
(617)723·3800, (800)392-6108, FAX (800)932-6717

1000003·1 From 1113012017 To 1113012018
160 PARK STREET 1 DORCHESTER AVE.
DORCHESTER, MA 02122 DORCHESTER, MA 02124
Described Location:
160 PARK STREET, DORCHESTER, MA 02122
We will provide the insurance described in this policy in return for the premium and compliance with all applicable policy provisions.
This insurance applies to the Described Location, Coverage for which a Limit of Liability is shown and Perils Insured Against for which a Premium is stated.
COVERAGES: LIMIT OF LIABILITY PERILS INSURED AGAINST: PREMIUM

A Dwelling $500,000 FIRE $1,547
SPECIAL FORM $867
L Personal Liability (each occurrence) $500,000 PERSONAL LIABILITY $197
M Medical Payments To Others (each person) $5,000 MEDICAL PAYMENTS TO OTHERS $4
DEDUCTIBLE: $1,000 ALL PERILS EXCEPT $2,000 FOR WINDSTORM OR HAIL.
We cover only that part of the loss over the deductible stated.
DED ADJ 12/96 DEDUCTIBLE ADJUSTMENT -$354
DL 24 01 12/02 PERSONAL LIABILITY
DL 24 03 12/02 PERSONAL LIABILITY SCHEDULE
DL 2416 12/02 NO COVERAGE FOR HOME DAY CARE BUSINESS
DL 24 71 12/02 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE
Limit: $50,000
DL 25 20 6/04 SPECIAL PROVISIONS- MASSACHUSETTS
DP 00 03 12/02 SPECIAL FORM
DP 01 20 6/04 SPECIAL PROVISIONS- MASSACHUSETTS
DP 04 22 12/02 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE
Limit $10,000
DP 04 97 2/06 TENANTS RELOCATION EXPENSE- MASSACHUSETTS $8
Number of Rented Units: 2
DP 05 38 11/03 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM;
DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT OF 2002
TERRORISM PREMIUM (CERTIFIED ACTS)
$0
DP 1610 1/09 WATER EXCLUSION ENDORSEMENT
FP DL 01 1/15 PREMISES LIABILITY (NON-OWNER OCCUPIED DWELLING)
TRIADP 1/04 TERRORISM COVERAGE DISCLOSURE NOTICE (MUA)
TOTAL PREMIUM ADJUSTMENT ·$346
RATING INFORMATION 2 FAMILY Tenant Occupied Frame TERRITORY 02 PROTECTION 01
153
Two Center Plaza, Boston, Massachusetts 02108·1904
(617)723-3800, (800)392-6108, FAX (800)932·6717

1000003·1 From 11/30/2017 To 11/30/2018
UMADWDEC Dwelling· MA FILE COPY
154
MASSACHUSETTS DIVISION OF INSURANCE
STA TE SUBJI IISS!Ol\~c; LIST
]JINUJIR Y 2017 EDITI ON
INSTRUCfiONS:
1.) Please type an " x" in the Submitted column fo r each state where the filed materials have already been submitted, whether approved there or not.
2.) Please type an "x" in the Approved column for each state where the filed materials have already been approved or placed on file.
3.) Please type an "x" in the Disapproved column for each state where the materials have been disapproved ; the reasons for any disapprovals should be
stated in the Comment section of the SERFF schedule component.
NB: it is both possible and likely f or states to have two marked columns: Submitted, and either Approved or Disapproved.
State/Jurisdiction I Submitted •I Approved :• Disappro\'cd

Alabama
Alaska
Arizona
Arkansas
Californi a
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louis ian a
Maine
Maryland
M assach usctts X
Michigan
Min nesota
Mississippi
Missouri
Mon tana
Nebraska
PFR-SSL (ED. 0 1117)
155
MASSACHUSE1TS DIVISION OF INSURANCE
ST I TE t:;UB,I/15510 \5 LIST
}ANliAR Y 2017 EDITION
INSTRUCfiONS:
1.) Please type an "x" in the Submitted column for each state where the filed materials have already been submitted, whether approved there or not.
2.) Please type an "x" in the Approved column for each state where the filed materials have already been approved or placed on file.
3.) Please type an "x" in the Disapproved column for each state where the materials have been di sapproved; the reasons for any disapprovals should be
stated in the Comment section of the SERFF schedule component.
NB: it is both possible and likely for states to have two marked columns: Submitted, and either Approved or Disapproved.
State/.J u risd i~tion Submitted

1\labama
Alaska
Arizona
Arkan~as
Ca liforni a
Colorado
Connecticut
Delaware
Florida
Georgia
Ha\\aii
Idaho
Jilin ois
Indiana
Iowa
Kansas
Kentucky
Louisiana
\Iaine
\1aryland
:\I a~sach us et~ X
:\lichigan
Minnesota
\lississippi
\ lis~ou ri
\l ontana
1\ebra~ka
PFR-SSL (ED. 01117)
3
MASSACHUSEJTS DIVISION OF INSURANCE
POLICY ENDORSEMENT LIST
JAN UARY 2017 EDITION
INSTRUCTIONS:
1.) For fi lings in which Endorsements are submitted andlor adopted fro m a Rating Organization, please indicate the following in each column :
• Endo•·sement Name: the name of each Endorsement submitted in the filing (up to 50 characters).
• Form Number: the form number of each Endorsement submitted in the filing (up to 35 characters).
• M /0 / E: whether each Endorsement is Mandatory (M), Optional (0) or Elected (E), based on the following uses:
o M: issued on all policies in the program, regardless of class or risk;
o 0 : issued on certain policies or certain ri sks/classes at the insurer's sole discretion, with no option to decline;
o E: offered to the applicant/insured with an option to elect or decline as indicated in the Advise to Applicant/Insured column.
• Advise to Applicant/I nsured : how the applicant/insured is advised how to elect or decline each Elected Endorsement (up to 25 characters).
• Premium/Credit: whether each Endorsement bears a premium or a credit, or otherwise impacts the cost of the insurance policy (Yes/No),
regardless of whether the rates or rating rul es are a subject of this tiling.
2.) AJI E ndorsements must be listed in tbe program's manual/exception pages; the rules for Optional Endorsements must also state the circumstances
under whi ch the Filing Company issues each such Endorsement.
3.) Please do NOT include in tbis List forms submitted for review in this filing that are not Endorsements.
Endorsement l'Oame (up to 50 characters) Form Number I i\VO/E \ Advise to Applicant/Insured 1

j Premium/Credit
Advised by Ins Producer Yes

Named Storm Percentage Deductible FP HNSP (04 18) M
Named Storm Fixed-Dollar Deductible FP HNSF (04 18) M
Please re-use this sheet as many times as necessary to provide a complete List, or submit your own document providing the same information.
PFR-PEL (ED . 01117)
157
AMSSACHUSETTS DIVISION OF INSURANCE
PO LIC Y ENDORSEMEN T LIST
JAN UARY 2 017 EDITION
INSTRUCTIONS:
1.) For filings in which Endorsements are submitted and/or adopted from a Rating Organization, please indicate the following in each column:
• Endorsement Name: the name of each Endorsement submitted in the filing (up to 50 characters).
• Form Number: the form number of each Endorsement submitted in the filing (up to 35 characters).
• M/0 / E: whether each Endorsement is Mandatory (M), Optional (0) or Elected (E), based on the following uses:
o M: issued on all policies in the program, regardless of class or risk;
o 0: issued on certain policies or certain risks/classes at the insurer's sole discretion, with no option to decline;
o E: offered to the applicant/insured with an option to elect or decline as indicated in the Advise to Applicant/Insured column.
• Advise to Applicant/Insured : how the applicant/insured is advised how to elect or decline each Elected Endorsement (up to 25 characters).
• Premium/Credit: whether each Endorsement bears a premium or a credit, or otherwise impacts the cost of the insurance policy (Yes/No),
regardless of whether the rates or rating rules are a subject of this filing.
2.) All Endorsements must be listed in the program's manual/exception pages; the rules for Optional Endorsements must also state the circumstances
under which the Filing Company issues each such Endorsement.
3.) Please do NOT include in this List forms submitted for review in this filing that are not Endorsements.
l Endorsement Name (up to 50 clluructers) Fo rm Numbe1· 'I M/0 / E ] ' Advise to Applicant/ Insured ],1 Premium/Credit
,.

Named Storm Percentage Deductible FP DNSP (04 18} M

Named Storm Fixed-Dollar Deductible FP DNSF (04 18) M
Please re-use this sheet as many times as necessary to provide a complete List, or submit your ow11 document providing the same injormatwn.
PFR-PEL (ED. 01117)
J
FOR,\! U TILIZA T/01\' LIST
Jl/L Y 2017 EDITION
INSTRUCfiONS:
1.) The following terms have the following meanings for purposes of this List:
• BASIC FORMS: any form whose Form Type on the SERFF Form Schedule may accurately be described as A.) PCF and CER in Property and
Casualty filings, or as B.) POL, CER and MTX in Life, Annuity, Credit and Accident & Health filings.
• SUPPLEMENTAL FORMS: any form whose Form Type on the SERFF Form Schedule may accurately be described as A.) END and OTH
in Property and Casualty filings, or as B .) POLA, CERA, NOC, DEP, PJK and OTH in Life, Annuity, Credit and Accident & Health filings.
• ANCD.,LARY FORMS: any form whose Form Type on the SERFF Form Schedule may accurately be described as A.) ABE, DEC and ERS
in Property and Casualty filings, or a B.) ADV, AEF, OUT and SCH in Life, Annuity, Credit and Accident & Health filings.
• DISPOSITION DATE: the date that the Division completed its review of the form and either approved it or placed it on file, or (for Property
and Casualty filings) the date the Filing Company adopted the form from a Rating Organization for its own use. (NOTE: that this date may not
always be the same as the effective date.)
2.) Please provide the requested information for all previously-filed forms, as defined above, that will be used with the type of form submitted in this filing.
(For example, if the filing contains Basic Forms, list the previously-filed Supplemental and Ancillary Forms to be used with them; if Supplemental
Forms, list the previously-filed Basic and Ancillary Forms; if Ancillary Forms, list the previously-filed Basic and Supplemental Forms).
3 .) Please do NOT include in this List forms submitted for review in this filing.
4.) Where information differs by Filing Company, please s ubmit separate Filing Company-specific Lists. Additionally, where information differs by Basic
Form, please submit separate Basic Form-specific Lists.
(FIRSn FILING COMPANY: Massachusetts Property Insurance Underwriting Asso BASIC FORM
NUMBER: Homeowners
PFR-FUL (ED. 0 7117)
159
T'
FORM UT!L!ZA T/01\' LIST
J ULY 2017 EDJTJON
Please re-use this sheet as many times as necessary to provide a complete List, or submit your own document providing the same information.
PFR-FUL (ED. 07117)
)
FORJII l ITIL!Z A T/01\' LIST
/l!L Y 2017 EDITION
INSfRUCfiONS:
1.) The following terms have the following meanings for purposes of this List:
• BASIC FORMS: any form whose Form Type on the SERFF Form Schedule may accurately be described as A.) PCF and CER in Property and
Casualty filings, or as B.) POL, CER and MTX in Life, Annuity, Credit and Accident & Health filings.
• SUPPLEMENTAL FORMS: any form whose Form Type on the SERFF Form Schedule may accurately be described as A.) END and OTH
in Property and Casualty filings, or as B .) POLA, CERA, NOC, DEP, PJK and OTH in Life, Annuity, Credit and Accident & Health filings.
• ANCILLARY FORMS: any form whose Form Type on the SERFF Form Schedule may accurately be described as A.) ABE, DEC and ERS
in Property and Casualty filings, or a B.) ADV, AEF, OUT and SCH in Life, Annuity, Credit and Accident & Health filings.
• DISPOSITION DATE: the date that the Division completed its review of the form and either approved it or placed it on file, or (for Property
and Casualty filings) the date the Filing Company adopted the form from a Rating Organization for its own use. (NOTE: that this date may not
always be the same as the effective date.)
2.) Please provide the requested information for all previously-filed forms, as defined above, that will be used with the type of form submitted in this filing.
(For example, if the filing contains Basic Forms, list the previously-filed Supplemental and Ancillary Forms to be used with them; if Supplemental
Forms, list the previously-filed Basic and Ancillary Forms; if Ancillary Forms, list the previous ly-filed Basic and Supplemental Forms).
3.) Please do NOT include in this List forms submitted for review in this filing.
4.) Where information differs by Filing Company, please submit separate Filing Company-specific Lists. Additionally, where information differs by Basic
Form, please submit separate Basic Form-specific Lists.
(FIRSTI FILING COMPANY: Massachusetts Property Insurance Underwriting Asso BASIC FORM
NUMBER: Dwelling
Form Name (up to 50
PFR-FUL (ED. 07117)
161
FOR.\! UTILI/ I TI01\' LIST
Jl/L Y 2017 EDITION
Please re-use this sheet as ltlilny times as necessary to provide a complete List, or submit your own document providing the same information.
PFR -FU L (ED. 07117)

CFRTIFIC!\TION Or COMPLIANCE
MA Property Insurance Underwriting Association

Please enter the First Filing Company as listed in SERFF, hereim!fier reji:rred to as "fhl.! Filing £nfiZJ',"
MPUA-131308840
Please enler the Company Tracking Number or SERFF Tracking Number, hereinafter referred to as "the Filing"
I, Paul Driscoll,
as a representative of the Filing Entity
duly authorized to give this certification on its behalf,
hereby certify under the pains and penalties of perjury:
the Filing is in compliance with all relevant laws and regulations
of the Commonwealth of Massachusetts.
12/19/2017
Dl1te
SRB-CC (EO. 01/16)
163
CERTIHCAT!C)N 01 C01\IPLI:\NCT
MA Property Insurance Underwriting Association

Please emer !he First Filing Company as listed in SERFF, hereim!fier reji!rred to as "i/w Filing Entily. "
MPUA-131308891
Please enter the Company Tracking Numher or S'ERFF 7hu:king Number, hereim!fter nferred to as "the Filing"
I, Paul Driscoll,
as a representative of the Filing Entity
duly authorized to give this certification on its behalf~
hereby certify under the pains and penalties of perjury:
the Filing is in compliance with all relevant laws and regulations
of the Commonwealth of Massachusetts.
12/19/2017
Date
SIUI-CC (ED. Ol/16)
164
MASSACHUSEITS DIVISION OF INSURANCE
BASF CIIFCAl!ST FOR PROPER T> ., I \DC ISU IL T> . 1.\Sl /R, INCE
JANU/IR Y 2017 EDITION - Pll CE I OF 6
Policy/Coverage Form#: Homeowners (HO 00 03)

Please enter only one form number per checklist; if none, please leave blank.
CHECKLIST INSTRUCTIONS
1) A completed copy of this checklist is required for each Policy/Coverage Form being submitted.
2) For purposes of these instructions, a Policy/Coverage Form is:
o a base coverage form of a property and/or casualty insurance policy; and
o an endorsement adding property or casualty insurance of a type other than that provided in the base coverage form to which it will be attached
(e.g., a professional liability coverage endorsement on a general liability policy).
3) If the filing contains no Policy/Coverage Forms as defined in these instructions, and does not include the submission of rates, rating rules or installment
plan rules, do not submit this checklist.
4) The columns within each checklist section are to be used in the following manner:
o Brief Requirement Description : Please refer to any cited law, regulation, bulletin and/or filing guidance notice to review the full scope of the
requirement. Please note that this description is intended to be a representation of a requirement, not a complete statement of it; the cited law,
regulation, bulletin or notice will contains the full description.
o Compliance: Please check the box in this column to demonstrate compliance with this item. Where no check box is provided, please provide
both page and paragraph references where requested, referring to the place in the form or other document where compliance is demonstrated. If
compliance is demonstrated in multiple consecutive paragraphs, please indicate the starting paragraph. If the item does not apply to the filing,
do not complete this column and complete the next column instead.
o Brief Explanation, if Not Applicable: Please provide a brief explanation (up to 50 characters) for all items considered not applicable to the
filed materials; ''Not applicable" (or "N/ A") is not, by itself, a sufficient explanation for any checklist item. If this column is IDI!!N@I for a
particular item, then the item is considered always applicable. Please note that this column is not to be used to clarifY any information in the
Compliance column, and should only be completed if the Compliance column is not completed.
5) Certain sections ofthe checklist may be skipped ifthe filing meets certain specified criteria; if a section does not have an instruction to this effect, the
section may not be skipped.
PLEASE NOTE THE FOLLOWJNG

1) Credit property insurance and credit involuntary unemployment insurance products also require completion of the Suppl emental Checklist for Credit
Insurance.
2) Legal service plans subject to 211 CMR 90.00 require submission of the Base Checklist for Legal Service Plans, and not this checklist.
3) Motor vehicle insurance products and workers' compensation insurance products require submission of different checklists, and not this checklist.
4) The annual filing for homeowners insurance group market rate deviations subject to M .G.L. 175, § 193R requires submission of a different checklist,
and not this checklist.
5) All laws relative to the filing of policy and coverage forms apply to their endorsements and attached applications under M .G.L. 175. § 192.
6) Rate filings are not required for aircraft hull and liability, inland marine or ocean marine insurance.
All PFR Checklists are reviewed on an annual basis for improvement and correction. Suggestions for changes to this checklist that result from filing
review may be submitted via eMail to the filing's primary Reviewer. Contact informa tion may be found in the Massachusetts General Instructions.
PFR-8-PAC (ED. 01/17)
165
B IS! C/1/CA!l~f !OR I'ROPrR n I\ {) C 1~1111 I> /\ .~1/R I\ {/
}ANUAR Y 2017 EDITION -PA CE 2 OF 6
Page , Para. No producer sales fee
a combination
Compliance Brit'fE.xplanation, ifl"ot Applicable _ __
FIRE POLICY STANDARD FORM -

Brief Rt'quiremt'nt Dt'scription Comp~ I
PFR-B-P1 C (£D. 01117)
3
BASE CHECJ\'L IST r O R PROPER T r AND CASUAL T >" INSURANCE
}AN UAR Y 2017 EDITION - PAC£ 3 OF 6
FP7 Fire exclusions. Page , Para. none stated

FP8 Other insurance. Page 14, Para. F
FP9 Other exclusions. Page 11, Para. A, B
FPlO Other perils insured against. Page 8, Para. A
FPII Extent of insurance. Page 13, Para. A
FP12 Permission and waiver. Page 21, Para. B
FP13 Appraisal and examinations. Page 2, Para. E HO 0120
FPI4 Cancellation by insured. Page 21, Para. C
FPIS Cancellation by company. Page 3, Para. C HO 0120
FP16 Excess premium at cancellation. Page 3, Para. C HO 0120
FPI7 Cancellation after 60 days. Page 3, Para. C HO 0120
FPI8 Cancellation for nonpayment of premium. Page 3, Para. C HO 0120
FPI9 Policy payable to mortgagees. Page 15, Para. K
FP20 Proportion of loss. Page 14, Para. F
FP21 Notice and proof of loss. Page 13, Para. B
FP22 Payment of claim Page 2, Para. I HO 0120
FP23 Dispute resolution for claims. Page 2, Para. E HO 0120
FP24 Suits for recovery of claims. Page 2, Para. G HO 0120
FP25 Assignment of right of recovery. Page 15, Para.
NB: This section does not apply to insurance against the hazards described in clauses 2 and 3 of M.G.L. /75, §47.
PFR-B -PAC (ED. 01117)
167
B I.~T Clll {/\11~ r I O R PRO PER n I \D C IS{ Ill n 1\ .~l /R I \ Cf
JANUARY 2017 EDrTION -PACE -1 OF 6
coverage subj ect to a cap, the cap must be at least 125% of the
replacement/reconstruction cost value (homeowners insurance).
stand-alone claims-made
Bril'fE:..planation, ifl\:ot Applicabll'
..
LEAD LIABILITY PROVISIONS - M.G.L 175. GtttH
LLI
LL2
LL3
Brit·f Rl't(uirl'mt•nt Dl'scription
Premises with letter in effect. 211 CMR 131.04
Premises with letter obtained and maintained. 211 CMR 131.05
New owners. 2 11 CMR 131.06
Compliance
Pae:e
Page
Page
, Para.
, Para.
, Para.
insurance coverin
Brid' E:..planation, ifNot Applicable
remises.
LL4 Additional reauirements. 211 CMR 131.07 Pae:e , Para.

LL5 Premises not in compliance. 211 CMR 131.08 Page , Para.
LL6 Owner-occupied single family premises. 211 CMR 131.09 Page , Para.
LL7 Coverae:esummarv. 211 CMR 131. 13(1) Check: 0
..
LL8 Disclosure notice. 2 11 CMR 131.13 (2) Check: 0
ADDITIONAL CASUALTY PROVISIONS Skio section if not filing casualty insurance.

Brief Rl'quircmcnt Dl'scription Compliancl' Bri('f Explanation, if 1\:ot Applicable
AL I I Medical pay provisions. M.G. L. 1-5. ¢Ill C Page , Para. Please select an item fro m the menu.
A L2 I Professional liability. MG.L. 175. HJ/E Page , Para. Please select an item from the menu.
AL3 I Liquor liability. M.G.L. !75. ¢1l2A Page , Para. Please select an item fro m the menu.
AL
4
I Heating oil release coverage requirements for "residential Page , Para.
property" as defined in M.G.L. 175. &40. Bulletin 2010-03
Dog exclusion language must specify the breeds deemed
AL _ I aggressive by the company and provide support for any excluded I p p
Please select an item fTO m the menu.
~ individual dog not within an aggressive breed. (NB: All excluded age ' ara.
breeds/dogs must have a prior history of biting.)
NB: This section applies to insurance against the ltazards described in clauses 2(d), 2(e), 2(/), 3, 4, 5, 6(b), 6(c), 7, 8, 9, 10 and 12 of M.G.L. 175, §47.
PFR·B·PI1C (£0. 0 1117)
3
B ISF r 1JFr J...UST !·O R PRO PFR T> ., IXD C IS{ 1/ 1/ T> 1\'S l /R/ L\CE
}ANl/!IR Y 2017 EDITION - P!l CE S OF 6
Compliam:e Brief Explanation, if Not Applicable
Please select an item from the menu.
Check: 0 Please select an item from the menu.
Brief Requirement Description Compliance I Bril·f Explanation, if Not Applicable

date 15 days from submission. M.G.L. 17-IA. §6 and
Check: 0 Please select an item from the menu.
Brief Requirement Description Compliance :
PREMIUM INSTALLMENT PAYMENT PLANS Skip section if not filing installment plan rules.
PFR-8-PAC (ED. 01117)
169
B IS! Clll(l\/1.~1 FOR PROPFR7T I \0 ( ' 1St! 1/ n 1\ ,~t!R I \C!
JANUAR Y 2017 EDI TI ON - PA G£ 6 OF 6
Brid' Rcquin'ml·nt Description Complianct' Bril·fExpl.wation, if:"\ot Applicable
IP3 Page , Para.
Page , Para.
Page , Para.
or contingency factor in the rates I page , Para.
Page , Para.
Page , Para.
PFR-B -P.4 C fED. 01117)
)
B lSI (I!EC"-1/ST FOR PROPERT> L\D CISU ILTr lt\SUR/ L\CE
}AN UAR Y 2017 EDITION -PA CE I OF 6
Policy/Coverage Form #: Dwelling

Please enter only one form number per checklist; if none, please leave blank.
CHECKLIST INSTRUCTIONS
I) A completed copy of thi s checklist is required for each Policy/Coverage Form being submitted.
2) For purposes of these instructions, a Policy/Coverage Form is:
o a base coverage form of a property and/or casualty insurance policy; and
o an endorsement adding property or casualty insurance of a type other than that provided in the base coverage form to which it will be attached
(e.g. , a professional liabi lity coverage endorsement on a general li ability policy).
3) If the filing contai ns no Policy/Coverage Forms as defined in these instructions, and does not include the submi ssion of rates, rating rul es or installment
plan rules, do not submit this checklist.
4) The columns within each checkli st section are to be used in the following manner:
o Brief Requirement Description: Please refer to any cited law, regulation, bulletin and/or fil ing guidance notice to review the full scope of the
requirement. Please note that this description is intended to be a representation of a requirement, not a complete statement of it; the cited law,
regulation, bulletin or notice will contains the full description.
o Compliance: Please check the box in this column to demonstrate compliance with thi s item. Where no check box is provided, please provide
both page and paragraph references where requested, referring to the place in the form or other document where compliance is demonstrated. If
compliance is demonstrated in multiple consecutive paragraphs, please indicate the starting paragraph. If the item does not apply to the fi ling,
do not complete this column and complete the next column instead.
o Brief Explanation, if Not Applicable: Please provide a brief explanation (up to 50 characters) for all items considered not applicable to the
filed materials; "Not applicable" (or "N/A") is not, by itself, a s ufficient explanation for any checklist item. If thi s column is IO'II!db! for a
particular item, then the item is considered always applicable. Please note that this column is not to be used to clarify any information in the
Compliance column, and should only be completed if the Compl iance column is not completed.
5) Certain sections ofthe checklist may be skipped ifthe filing meets certain specified criteria; if a section does not have an instruction to this effect, the
section may not be skipped.
PLEASE NOTE THE FOLWWING

I) Credit property insurance and credit involuntary unemployment insurance products also require completion of the Supplemental Checklist for Credit
Insurance.
2) Legal service plans subj ect to 211 CMR 90.00 require submission of the Base Checklist for Legal Service Plans, and not this checklist.
3) Motor vehide insurance products and workers' compensation insurance products require submission of different checklists, and not this checklist.
4) The annual fi ling for homeowners insurance group market rate deviations subject to M.G.L. 175, § 193R requires submission of a different checklist,
and not this check!ist.
5) All laws relative to the filing of policy and coverage forms apply to their endorsements and attached applications under M.G.L. 175. § 192.
6) Rate filings are not required for aircraft hull and liability, inland marine or ocean marine insurance.
AJI PFR Checklists are reviewed on an annual basis for improvement and correction. Suggestions for changes to this checklist that result from filing
review may be submitted via eMail to the filing's primary Reviewer. Contact information may be found in the Massachusetts General Instructions.
PFR-8 -PAC (ED. 01117)
171
8 ISl (/ IFCf..!6T I OR PROP/-RTf . 1.\'D C t<;{!, 1/ n !\SUR I \ ( /
JANUAR Y 2017 EDITION - P!l CE 2 OF 6
Brief Requirement Description
Page , Para. No producer sales fee
-
FIRE POLICY STANDARD FORM - M.G.L. 175.
FP I
FP2
FP3
FP4
BriefRec1uirement Description
I Insurance agreement.
I Assignment of the policy.
I
I
~
Policy subject to its provisions and stipulations.

Witness provision.
~99(12)
----- - Compliance
Ski
Page 1, Para. 1
Page 13, Para. T
Page 1 , Para. 1
Page , Para.
-
Brief Explanation, if Not Applicable
Policy Jacket- Front page

Policy Jacket
-
FPS I Voiding of the policy. Page , Para. not stated

FP6 I Items not covered. Page 1 , Para. 2
PFR-8 -PAC (ED . 0 1117)
B/ ISE CIIECk! 6 T FOR PROPER T >" t iND CJISUt l! n· JNS'UR; IN(E
}ANUAR Y 2017 EDITION - PA C£ 3 OF 6
FP7 Fire exclusions. Page 8, Para. A (General Exclusions)

FP8 Other insurance. Page 11, Para. H
F'P9 Other exclusions. Page 11, Para. A,B
FPlO Other perils insured against. Page 5, Para. A
FPII Extent of insurance. Page 13, Para. A
F'P12 Permission and waiver. Page 13, Para. S
F'Pt3 Appraisal and examinations. Page 4, Para. 8 DP 0120
F'P14 Cancellation by insured. Page 12, Para. C
FPI5 Cancellation by company. Page4, Para. 17 DP 0120
FPJ6 Excess premium at cancellation. Page4, Para.17 DP 0120
FPI7 Cancellation after 60 days. Page 4, Para. 17 DP 0120
FPI8 Cancellation for nonpayment of premium. Page 4 , Para. 17 DP 0120
F'Pt9 Policy payable to mortgagees. Page 11, Para. N
FP20 Proportion of loss. Page 11, Para. H
FP21 Notice and proof of loss. Page 9, Para. D
FP22 Payment of claim Page 2, Para. L DP 0120
FP23 Dispute resolution for claims. Page 2, Para. G DP 0120
FP24 Suits for recovery of claims. Page 2, Para. J DP 0120
FP25 Assignment of right of recovery. Page 22, Para. F
NB: This section does not apply to insurance against the hazards described in dauses 2 and 3 ofM.G.L. 175, §47.
PFR-8-PAC (ED. 01117)
173
H 1.'-.l (f//Cf.../1.'-. r FOR PROPFRT> I \f) C I '-.1/ II I} 1\ ~'-.{!R I\ (!
}ANUAR Y 2017 EDITION - PAC£ -1 OF 6
coverage subject to a cap, the cap must be at least 125% ofthe

replacement/reconstruction cost value (homeowners insurance).
CLAIMS-MADE GENERAL LIABILITY PROVISIONS -
Bri1·r Rl'!Juin~ml·nt Dl"scription
Bril·r Rl"lJ uirl'ml"nt Dl"scription Compliancl" I
Page , Para. Please select an item from the menu.
7, 8, 9, 10 and 12 of M.G.L. 17.5, §47.

PFR·B·P I C (ED. 01117)
r
B!ISF CHECKLIST FOR PROPERn· liND CASL/; ILTY /1\'SURAlv'CE
]!INLIAR Y 2017 EDITION - P!l CE S O F 6
PROHIBITIONS
Brief Requirement Description Compliance I Brief Explanation, if Not Applicable
Check: D
health, accident and sickness
Discriminating (form and rates) against health care providers

PR5 I based on practiced specialty ("take all comers"). M.G.L. 175. Please select an item from the menu.
$193U
PR6 Please select an item from the menu.
alone commercial
Inflexibility practices
PR7 Check: D Please select an item from the menu.
or beliefs of
Brief Explanation, if Not Applicable
We hereby certifY that the rates in this filing do not consist of

RR5 I tiers based on credit scores, not consider the insured's credit Check: D Please select an item from the menu.
..
score in the rating methodo
RATE FILING INFORMATION

Brief Requirement Description Compliance II Brief Explanation, if Not Applicable
RS I Five-year premium loss exhibit. Bulletin SRB 90-05 Check: D
RS2 Three-year expense exhibit. !bid. Check: D Please select an item from the menu.
RS3 Competitor rates. Ibid. Check: D
RS4 Judgment rates. !bid. Check: D
For homeowners forms only, count of Barnstable county
RSS Check: D Please select an item from the menu.
exposures to which this insurance applies.
For homeowners forms only, count of Dukes and Nantucket
RS6 Check: D Please select an item from the menu.
counties exposures to which this insurance applies.
RS7 (a)-Rates Reference Guide in actuarial memorandum (see below). Check: D Please select an item from the menu.
PREMIUM INSTALLMENT PAYMENT PLANS Skip section if not filing installment plan rules.
PFR-B-PAC (ED . 0 ///7}
175
MASSACHUSEITS DIVISION OF INSURANCE
13 IS! {/ /F{A/ !~ 1 !OR PRnPFRT> I\/) ( ·1.~l I II n 1\ :~t IR I \(1
JANUARY 2017 EDITION - PAC£ 6 OF 6
B§iii§'"•U
Compliance Bril·(E~planation, if Not Applicable -·
Page , Para.
-
Page , Para.
or contingency factor in the rates I page , Para.
-
Page , Para.
How the rate will be priced to be neither excessive nor
AC8 I inadequate as a stand-alone rate (i.e., the applicable coverage is Page , Para.
stand-alone. not oart of a
PFR-8 -Pr!C (£0. 01/ 17)
'
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COMMONWEALTH OF MASSACHUSETTS

Office of Consumer Affairs and Business Regulation

CHARLES D. BAKER JAY ASH

KARYN E. POLITO JOHN C. CHAPMAN

Pursuant to M. G. L. c. 175C, §5, a hearing will be take place at 10:00 a.m. on

Dated: January 24, 2018 _________________________

Re: Application of the Massachusetts I

NAMED STORM DEDUCTIBLE FORMS AND

December 19, 2017

Two Center Plaza

December 19, 2017

Hon. Gary D. Anderson

Re: MPIUA Named Storm Deductib l e Filing

Dear Commissioner Ander so n:

Pursuant to the provisions of G.L. c . 174A , c . 175A,

(1) Named Storm Dedu ctible Filing by the

The MPIUA is a l so s i multaneous l y filing electron i c

No forma l hea ri ng proceedings are necessary or

Please do not hesitate to write or call ifyou have

Very truly yours,

Underwriting Product and

cc(w/encl): Matthew Mancini, Esq.

Re: Application of the Massachusetts I

NAMED STORM DEDUCTIBLE FORMS AND

December 19, 2017

EXECUTIVE SUMMARY ............................................................................................................................. 003

INSURANCE SERVICES OFFICE, INC (ISO)

Homeowners Named Storm Deductible Factors Report........................................................ 006

Dwelling Property Named Storm Deductible Factors Report................................................ 046

Annotated Homeowners Manual Pages ................................................................................... 080

Final Homeowners Manual Pages.............................................................................................. 088

Annotated Dwelling Manual Pages ............................................................................................ 096

Final Dwelling Manual Pages...................................................................................................... 103

NAMED STORM DEDUCTIBLE ENDORSEMENTS (Homeowners & Dwelling)

Named Storm Percentage Deductible FP HNSP 0418 ........................................ 110

Sample Policy Declarations (Homeowners & Dwelling) ......................................................... 150

State Submission list (PFR-SSL0117) ......................................................................................... 155

Policy Endorsement List (PFR-PEL0117) .................................................................................... 157

Form Utilization List (PFR-FUL0717) .......................................................................................... 159

Certification of Compliance (SRB-CC ED. 01/16) ..................................................................... 163

EXECUTIVE SUMMARY, INTRODUCTION AND OUTLINE OF CASE

The Massachusetts Property Insurance Underwriting

Association (hereafter, MPIUA or FAIR Plan) is pleased to

submit this named storm deductible filing 1 covering

deductibles for homeowners multi-peril and dwelling fire and

extended coverage, to the Massachusetts Division of Insurance

(DOI) pursuant to the relevant provisions of G.L. c. 174A, c.

175A, c. 175C, and 211 C.M.R. 101.00. This named storm

deductible filing replaces the current wind storm deductibles

and the pricing associated with those wind storm deductible

with named storm deductibles and associated named storm

I. NAME AND ADDRESS OF FILING PARTY.

The name, address, and telephone number of the filing

Massachusetts Property Insurance Underwriting Association

The MPIUA's filing is supported by one expert, whose

report is briefly outlined below.

Paul Ericksen, FCAS. Mr. Ericksen is an actuary with ISO. Mr.

Ericksen has calculated the supporting exhibits for HOM and

DWF named storm deductibles pricing.

III. OUTLINE OF FILING: SIMILARITIES AND DISSIMILARITIES TO

Replacing the current Windstorm or Hail Deductible with

this Named Storm Deductible filing will result in premium

increases averaging less than one percent (1%). These small

premium increases will be proportional to the increases in