Courtesy of Insurance Plus Office of Public …

1 Courtesy of Insurance plus Office of Public Insurance Counsel Comparisons Standard HO-A (Texas Standard HO-B (Texas Standard HO-C (Texas Department of Department of Department of coverages Insurance promulgated Insurance promulgated Insurance promulgated form- can be used by form- can be used by form- can be used by any company) any company) any company). Type of Coverage Dwelling Named Perils ALL risks ALL risks Personal Property Named Perils Named Perils ALL risks Water Damage Sudden and Accidental discharge or overflow of water NO YES YES. or steam from a plumbing, heating, air conditioning system Continuous or Repeated leakage from NO YES YES. plumbing, heating, air conditioning Backup of sewers/drains NO YES YES. Freezing of plumbing or heating system NO YES certain precautions YES certain precautions must be taken by insured must be taken by insured if property is unoccupied if property is unoccupied Flood/Surface water NO Flood Insurance can be NO Flood Insurance can be NO Flood Insurance can be obtained through FEMA obtained through FEMA obtained through FEMA.

2 And the National Flood and the National Flood and the National Flood Insurance Program (NFIP). Insurance Program (NFIP). Insurance Program (NFIP). Their website is Their website is Their website is Mold Mold, Fungi or Other Microbes LIMITED to ensuing mold YES Only if the mold is on YES Only if the mold is on damage resulting from property physically property physically sudden and accidental damaged by sudden and damaged by sudden and water damage caused by accidental water or steam. accidental water or steam. the covered perils named This includes hidden and This includes hidden and in the policy. concealed damage that is concealed damage that is reported within 30 days of reported within 30 days of detection. detection. Sudden and accidental includes a physical loss that is hidden or concelaed for a period of time until it is detected. Any hidden or concealed damge must be reported within 30 days of its detection.

3 Cost of Testing, Remediation, and Living NO but an endorsement NO however, an NO but an endorsement Expenses due to Mold, Fungi or Other Microbes must be offered to provide endorsement must be must be offered to provide coverage up to the policy offered to provide coverage up to the policy limits for these costs. coverage up to the policy limits for these costs. limits for these costs. PLEASE NOTE: This additional mold coverage PLEASE NOTE:While the applies ONLY to those base policy does not cover perils named in the base the cost of testing, policy: remediation, and living 1. fire and lightening expenses due to mold, 2. sudden and accidental fungi or other microbes, it damage from smoke does provide some basic 3. windstorm, hurricane, but limited mold coverage and hail (see coverage description 4. Explosion under Mold, Fungi or 5. Aircraft and vehicles Other Microbes for 6. vandalism and malicious further explaination).

4 OPIC. mischief 7. riot and civil comotion 8. theft Other Perils Covered Damage to Foundation/Slab NO YES If damage results YES If damage results from a covered water leak from a covered water leak Falling Objects, including Trees NO YES YES. Weight of Ice, Snow and Sleet NO YES YES. Collapse NO YES unless caused by YES unless caused by earth movement earth movement Damage by Animals (PLEASE NOTE: Companies do NO YES unless owned or kept YES unless owned or kept not generally cover damage from birds, vermin, by insured or occupant by insured or occupant rodents, or insects). Glass Breakage -Dwelling applies to glass that is part of NO YES YES. the building Damage by Vehicles YES unless vehicle is YES YES. owned or operated by occupant Damage resulting from Deterioration NO YES any resulting loss YES Damage resulting from deterioration unless from deterioration is the resulting loss is covered. Damage already excluded from the consisting of deterioration policy.

5 Is not covered Damage consisting of the deterioration is not covered Damage resulting from Construction Defects NO YES any resulting loss YES Damage resulting from construction defect from construction defect is unless the resulting loss is covered. Damage already excluded from the consisting of the policy. construction defect is not covered Damage consisting of the construction defect is not coveredcovered. Additional Living Expenses (ALE) for perils other than 10% of the dwelling limit 20% of the dwelling limit 20% of the dwelling limit mold of liability of liability Claims Settlement Dwelling Actual Cash Value Replacement Cost Replacement Cost Personal Property Actual Cash Value Actual Cash Value Actual Cash Value Replacement cost can be Replacement cost can be added by endorsement added by endorsement