Item C20
BOARD OF COUNTY COMMISSIONERS
AGENDA ITEM SUMMARY
Meeting Date: April 18-19. 2001
Division: Management Services
Bulk Item: Yes --X- No
Department: Administrative Services/RiskManagement
AGENDA ITEM WORDING: Approval to pay $193,406 renewal premium to Florida Windstorm
Underwriting Association.
ITEM BACKGROUND: The County's property policy has a $1,000,000 per location windstorm
deductible. This policy insures up to that deductible amount.
PREVIOUS REVELANT BOCC ACTION: Accepted property insurance proposal with per location
deductible. This policy was approved by the board on 4/19/00.
CONTRACT/AGREEMENT CHANGES: Change in premium only. Increase of$2,161.00.
STAFF RECOMMENDATIONS: Approval.
TOTAL COST: $193.406
BUDGETED: Yes ~ No
COS'{ TO COUNTY: $193.406
REVENUE PRODUCING: Yes No -X AMOUNT PER MONTH Year
- fA \G
APPROVED BY: County Atty _ OMBlPurch~ Risk Management \.L, d'- ,
DIVISION DIRECTOR APPRO~ "~-J~~-d-
,~ JAMES L ROBERTS
DOCUMENTATION:
Included l To Follow
Not Required_
DISPOSITION:
AGENDA ITEM #1-cJ.O
Revised 2/27/0 I
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION
7077 Bonneval Road - Suite 500, Jacksonllille, Florida 32216-6064
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
FWUA File Number: 303147
PRODUCER:
JOHNSONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
DATE: 3/07/2001
INSURED:
Your Deductible is: 22,560 $752,000 $1,515 ./
1 Your Deductible is: 1,770 $59,000 $119
TWO STORY WIND RESISTIVE COUNTY OFFICE BUILDING
310 FLEMING ST, KEY WEST
Your Deductible is: 15,510 $517,000 $2,525/
2 Your Deductible is: 3,060 $102,000 $498
ONE STORY MASONRY OFFICE BUILDING
302 FLEMING ST, KEY WEST
3 Your Deductible is: 6,570 $219,000 $1,338V
ONE STORY FRAME MUSEUM
938 WHITEHEAD ST, KEY WEST
FWUA offers the option for you to pay 80% of your
renewal premium by the due date snown.
The remaining 20% will be due within 30 days.
Premium - 168,179 Reinsurance - 25,227
Florida Hurricane Cat Fund - 0 Policy Fee -
o
** PAY THIS AMOUNT **
(for deductible option shown)
$193,406 5/03/01-02
IMPORTANT: THIS POLICY EXPIRES AT 12: 01 A.M. EST ON 5/03/2001.
PREMIUM MUST BE RECEIVED IN THE ASSOCIATION'S OFFICE BY THE DUE DATE
TO CONTINUE COVERAGE WITHOUT INTERRUPTION.
WE WILL NOT SEND ANOTHER NOTICE BEFORE TIllS POLICY EXPIRES.
Your DEDUCTIBLES MAY HAVE INCREASED from your previous policy. You may select
other deductible amounts as shown in this notice.
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
RETURN TIDS PORTION WITH PAYMENT
Full Premium Due:
Minimum Amount Due:
$193,406
$154,725
5/03/01-02
We use following infonnation to coordinate claims adjustments
Please print Flood Carrier and Flood Policy Number
Mail Check Payable To: FWUA or
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION
7077 Bonneval Road, Suite 500, Jacksonville. FL 32216
Please verify Homeowners/Fire Carrier and Policy Number
ROYAL & SUN ALLIANCE USA, - KH0310272
INSURED:
MONROE COUNTY, FLORIDA
FWUA File Number:
303147
PAYOR:
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
1..II..,lltll....I..III...II...II...II...II...II...1
03031470307010503010193406
FWUA 4 (7/00)
P;:tnp.
1;' ':l.~C; O{\/')
TO OUR INSURED
07/00
The Florida Windstorm Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structure. Please contact your insurance agent if you have any questions.
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstorm or hail losses,
insured against. If you renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other deductibles are available as follows:
RESIDENTIAL: (Dwellings, Condominiums COMMERCIAL (Condos, Apartments,
Unit Owner, Mobile Homes, Renter's Contents) RESIDENTIAL: Townhouses)
Other Other
Hurricane Windstorm or Hail Hurricane Windstorm or Hail
5% *of building value 5% * of building value 10% *** of building value 3% of building value
4% of building value 4% of building value 5% of building value 1 % of building value
3% of building value 3% of building value 3% of building value $1000
2% of building value 2% of building value y
$500 ** $500 -- -"
,.
. Available ifinsured values are equal to or greater than $100.000 ** Available if insured values are less than $100.000 .*. Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
OTHER
COMMERCIAL:
5% of value
3% of value
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a storm may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association, nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries of a continous line beginning at the intersection of 72 degrees West Longitude and 15 degrees
North Latitude, then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude, thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude, then
southward along 95 degrees North Longitude to its intersection with 18 degrees North Latitude. thence running
diagona/(v to its intersection with 92 degrees West Longitude and 15 degrees North Latitude, then eastward along
15 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane, Other Windstorm or Hail; a
standard policy including Hurricane, Other Windstorm or Hail coverage or, if consistent with the insurer's underwriting rules as
filed with the Florida Department of Insurance, a basic policy including Hurricane, Other Windstorm or Hail coverage, we may
cancel at any time by letting you know at least sixty (60) days before cancellatiun takes effect.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWU A forms that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION
7077 Bonneval Road - Suite 500, Jacksonville, Florida 32216-6064
DATE: 3/07/2001
INSURED:
FWUA File Number: 303147
PRODUCER:
JOHNSONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
4
Your Deductible is:
54,087
$750,000
$6,607 v
TWO STORY MASONRY OFFICE BUILDING LOC: 1200 TRUMAN AVE AND
WHITE STREET
KEY WEST
5
Your Deductible is:
7,920
$264,000
$1,289
CONTENTS OF ABOVE
6
Your Deductible is:
9,210
$307,000
$1,499
TWO STORY MASONRY CAFETERIA
7
Your Deductible is:
40,011
$1,000,000
$2,237
ONE STORY WIND RESISTIVE AIRPORT TERMINAL
3491 ROOSEVELT BLVD S, KEY WEST
Your Deductible is:
5,070
$169,000
8
Your Deductible is:
5,610
$187,000
$960
$1, 062
ONE STORY MASONRY COUNTY GARAGE
STOCK ISL..lUID
9
Your Deductible is:
$26,000
$1,908/
$55
Your Deductible is:
18,090
1,000
$603,000
ONE STORY MASONRY ADULT CONGREGATE LIVING FACILITY
K/A BAY SHORE MANOR HOME FOR THE AGED
COLLEGE RO, STOCK ISLAND
Your Deductible is:
5,700
$190,000
10
Your Deductible is:
1,710
$57,000
$1,079
$324
ONE STORY MASONRY SHERIFF'S SUBSTATION/EMS LOC:
MILE MARKER 20 US HWY 1
CUDJOE KEY
11
Your Deductible is:
$11,000
$960 -I
$62
Your Deductible is:
5,070
1,000
$169,000
ONE STORY MASONRY FIRE STATION
KEY DEER BLVD, BIG PINE KEY
FWUA 4 (7/00)
Pacre 2
TO OUR INSURED
07/00
The Florida Windstonn Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structure: Please contact your insurance agent if you have any questions.
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstonn or hail losses,
insured against. If you renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other deductibles are available as follows:
RESIDENTIAL: (Dwellings, Condominiums
Unit Owner, Mobile Homes, Renter's Contents)
Other
Hurricane Windstorm or Hail
5% *of building value 5% * of building value
4% of building value 4% of building value
3% of building value 3% of building value
2% of building value 2% of building value
5500 ** 5500
. Available if insured values are equal to or greater than SlOO,OOO .. Available if insured values are less than SlOO,OOO ... Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
COMMERCIAL (Condos, Apartments,
RESIDENTIAL: Townhouses)
OTHER
COMMERCIAL:
Hurricane
10% *** of building value
5% of building value
3% of building value
Other
Windstorm or Hail
3% of building value
1 % of building value
51000
5% of value
3% ofvalue
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a stonn may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association, nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries of a continous line beginning at the intersection of 72 degrees West Longitude and J 5 degrees
North Latitude, then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude. thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude, then
southward along 95 degrees North Longitude to its intersection with J 8 degrees North Latitude, thence running
diagonally to its intersection with 92 degrees West Longitude and J 5 degrees North Latitude, then eastward along
J 5 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane. Other Windstonn or Hail; a
standard policy including Hurricane. Other Windstonn or Hail coverage or. if consistent with the insurer's underwriting roles as
filed with the Florida Department of Insurance. a basic policy including Hurricane. Other Windstonn or Hail coverage. we may
cancel at any time by letting you know at least sixty (60) days before cancellation takes effect.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWUA fonns that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION
7077 Bonneval Road - Suite 500, Jacksonville, FloridJl 32216-6064
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
DATE: 3/07/2001
INSURED:
FWUA File Number: 303147
PRODUCER:
JOHNSONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
12
Your Deductible is:
4,440
$148,000
$841
ONE STORY 27% FRAME AND 73% MASONRY AARP BUILDING
BIG PINE KEY
Your Deductible is:
13
Your Deductible is:
14,910
7,080
$497,000
$2,823
$1,341
$236,000
ONE STORY MASONRY SHERIFF'S SUBSTATION AND OFFICE
3103 OVERSEAS HWY, MARATHON
Your Deductible is:
14
Your Deductible is:
12,300
2,760
$986 v"
$221
$410,000
ONE STORY WIND RESISTIVE SUB-COURTHOUSE
3117 OVERSEAS HWY, MARATHON
$92,000
15
Your Deductible is:
ONE STORY MASONRY LIBRARY
3251 OVERSEAS HWY, MARATHON
16
Your Deductible is:
CONTENTS OF ABOVE
17
Your Deductible is:
15,780
$2,988 vi
$526,000
22,272
$500,000
$3,388
3,960
$132,000
$750
ONE STORY MASONRY AARP BUILDING
K/A MELVIN LOVITT SENIOR CITIZEN BUILDING
33RD ST, MARATHON
Your Deductible is:
18
Your Deductible is:
ONE STORY MASONRY COUNTY OFFICE
10600 AVIATION BLVD, MARATHON.
Your Deductible is:
19
Your Deductible is:
ONE STORY MASONRY TEMPORARY JAIL
3981 OCEAN TERR, MARATHON
3,900
3,300
$739./
$625
$130,000
$110,000
19,740
2,940
$3,738 ./
$557
$658,000
$98,000
FWUA 4 (7/00)
Pace 3
TO OUR INSURED
07/00
The Florida Windstonn Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structure. Please contact your insurance agent if you have any questions.
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstonn or hail losses,
insured against. Uyou renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other deductibles are available as follows:
Hurricane
5% *of building value
4 % of building value
30/0 of building value
2% of building value
$500 **
RESIDENTIAL: (Dwellings. Condominiums
Unit Owner. Mobile Homes. Renter's Contents)
Other
Windstorm or Hail
5% * of building value
4% of building value
3% of building value
2% of building value
$500
COMMERCIAL (Condos. Apartments.
RESIDENTIAL: Townhouses)
OTHER
COMMERCIAL:
Hurricane
10% *** of building value
5% of building value
3% of building value
Other
Windstorm or Hail
3% of building value
1 % of building value
$1000
5% of value
3% of value
* Available if insured values are equal to or greater than $100,000 ** Available if insured values are less than $100,000 *** Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a stonn may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association. nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries ofa continous line beginning at the intersection of 72 degrees West Longitude and 15 degrees
North Latitude, then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude. thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude. then
southward along 95 degrees North Longitude to its intersection with 18 degrees North Latitude, thence running
diagonally to its intersection with 92 degrees West Longitude and 15 degrees North Latitude. then eastward along
15 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane, Other Windstonn or Hail; a
standard policy including Hurricane, Other Windstonn or Hail coverage or, if consistent with the insurer's underwriting rules as
filed with the Florida Department ofInsurance, a basic policy including Hurricane, Other Windstonn or Hail coverage, we may
cancel at any time by letting you know at least sixty (60) days before cancellation takes effect.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWD A fonns that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
FLORIDA WINDSTORM UNDERWRITING ASSOCIA TION
7077 Bonneval Road - Suite 500, Jacksonville, Florida 32216-6064
DATE: 3/07/2001
INSURED:
FWUA File Number: 303147
PRODUCER:
JOHNSONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
,
I Your Deductible is: 22,290 $743,000 $1,786
20 Your Deductible is: 1,000 $24,000 $58
ONE STORY WIND RESISTIVE GOVERNMENT CENTER ANNEX
490 63RD ST, MARATHON
21 Your Deductible is: 7,140 $238,000 $1,35Y
ONE STORY MASONRY FIRE STATION
OVERSEAS HWY, CONCH KEY
22 Your Deductible is: 14,220 $474,000 $2,693/
ONE STORY MASONRY LIBRARY
2331 OVERSEAS HWY, ISLAMORADA
23 Your Deductible is: 20,688 $550,000 $3,345
CONTENTS OF ABOVE
Your Deductible is: 12,090 $403,000 $2,289
24 Your Deductible is: 5,790 $193,000 $1,096
ONE STORY MASONRY SHERIFF'S SUB STATION
88770 OVERSEAS HWY, PLANTATION KEY
Your Deductible is: 5,100 $170,000 $966/
25 Your Deductible is: 1,000 $18,000 $102
ONE STORY MASONRY COUNTY OFFICE AND SOCIAL SERVICES
HIGHPOINT RD, PLANTATION KEY $739 ,/
26 Your Deductible is: 3,900 $130,000
ONE STORY MASONRY SENIOR CITIZEN CENTER
PLANTATION KEY
Your Deductible is: 18,720 $624,000 $3,545
27 Your Deductible is: 1,080 $36,000 $205
TWO STORY MASONRY COUNTY OFFICE
K/A JERRY ELLIS BUILDING LOC: GOVERNMENT CENTER COMPLEX
FWUA 4 (7/00)
0""....._
TO OUR INSURED
07/00
The Florida Windstorm Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structur~~ Please contact your insurance agent if you have any questions.
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstorm or hail losses,
insured against. If you renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other deductibles are available as follows:
RESIDENTIAL: (Dwellings, Condominiums
Unit Owner, Mobile Homes, Renter's Contents)
Other
Hurricane Windstorm or Hail
5% *ofbuildingvalue 5%'" of building value
4% of building value 4% of building value
3% of building value 3% of building value
2% of building value 2% of building value
$500 ."." $500
* Available if insured values are equal to or greater than S I 00,000 .. Available if insured values are less than S 1 00,000 ... Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
COMMERCIAL (Condos. Apartments,
RESIDENTIAL: Townhouses)
OTHER
COMMERCIAL:
Hurricane
10% ."."." of building value
5% of building value
3% of building value
Other
Windstorm or Hail
3% of building value
1 % of building value
$1000
5% of value
3% of value
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a storm may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association, nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries of a continous line beginning at the intersection of 72 degrees West Longitude and 15 degrees
North Latitude, then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude, thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude, then
southward along 95 degrees North Longitude to its intersection with 18 degrees North Latitude, thence running
diagonal~v to its intersection with 92 degrees West Longitude and 15 degrees North Latitude, then eastward along
15 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane, Other Windstorm or Hail; a
standard policy including Hurricane, Other Windstorm or Hail coverage or, if consistent with the insurer's underwriting rules as
filed with the Florida Department of Insurance, a basic policy including Hurricane, Other Windstorm or Hail coverage, we may
cancel at any lime by letting you know alleasl sixty (60) days before cancellation takes effect.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWUA forms that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARAT,E DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION
7077 Bonneval Road - Suite 500, Jacksonville, Florida 32216-6064
DATE: 3/07/2001
INSURED:
FWUA File Number: 303147
PRODUCER:
JOHNSONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
,f
')-\
28
Your Deductible is:
$29,000
$966 v-
$165
Your Deductible is:
5,100
1,000
$170,000
ONE STORY MASONRY PUBLIC WORKS OFFICE
103 KEY HEIGHTS DR, PLANTATION KEY
29~ Your Deductible is:
.f;
TWO STORY MASONRY FIRE STATION
MARINE AVE, TAVERNIER
14,610
$487,000
$2,767 ./
Your Deductible is:
5,670
1,000
$189,000
30
Your Deductible is:
$14,000
$454 -
$34
ONE STORY WIND RESISTIVE HEALTH CLINIC
170901 HWY 1 REAR, TAVERNIER
"3\\
Your Deductible is:
6,210
$207,000
$1,176
ONE STORY MASONRY FIRE STATION # 1 LOC: SOUTH
MM 99.5 US HWY 1, KEY LARGO
32
Your Deductible is:
25,596
$500,000
$3, 881,/
ONE STORY MASONRY LIBRABRY
MM 101.5 US HWY 1, KEY LARGO
33
Your Deductible is:
24,160
$500,000
$3,666
CONTENTS OF ABOVE
34
Your Deductible is:
17,370
$579,000
$3,289
TWO STORY MASONRY AMBULANCE STATION
98600 OVERSEAS HWY, KEY LARGO
35 Your Deductible is: 4,110 $137,000 $778
ONE STORY MASONRY FIRE STATION 2 NORTH
MM 106 US HWY 1, KEY LARGO
Your Deductible is: 3,360 $112,000 $636
36 Your Deductible is: 4,440 $148,000 $841
ONE STORY MASONRY PUBLIC LIBRARY SUITE 11-12
200 KEY DEER BLVD, BIG PINE KEY
FWUA 4 (7/00)
Paae 5
TO OUR INSURED
07/00
The Florida Windstonn Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structure. Please contact your insurance agent if you have any questions.
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstonn or hail losses,
insured against. If you renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other deductibles are available as follows:
RESIDENTIAL: (Dwellings, Condominiums
Unit Owner, Mobile Homes. Renter's Contents)
Other
Windstorm or Hail
5% * of building value
4% of building value
3% of building value
2% of building value
$500
COMMERCIAL (Condos. Apartments,
RESIDENTIAL: Townhouses)
OTHER
COMMERCIAL:
Hurricane
5% *of building value
4 % of building value
3 % of building value
2% of building value
$500 **
Hurricane
10% *** of building value
5% of building value
3% of building value
Other
Windstorm or Hail
3% of building value
1 % of building value
$1000
5% of value
3% of value
. Available if insured values are equal to or greater than $100,000 .. Available if insured values are less than $100,000 ... Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a stonn may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association, nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries of a continous line beginning at the intersection of72 degrees West Longitude and 15 degrees
North Latitude. then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude, thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude, then
southward along 95 degrees North Longitude to its intersection with 18 degrees North Latitude. thence running
diagonally to its intersection with 92 degrees West Longitude and 15 degrees North Latitude, then eastward along
15 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane, Other Windstonn or Hail; a
standard policy including Hurricane, Other Windstonn or Hail coverage or, if consistent with the insurer's underwriting rules as
filed with the Florida Department of Insurance, a basic policy including Hurricane, Other Windstonn or Hail coverage, we may
cancel al any lime by letting you know alleast sixty (60) days before cancellation takes effect.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWUA forms that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION
7077 Bonneval Road - Suite 500, Jacksonville, Florida 32216-6064
DATE: 3/07/2001
INSURED:
FWUA File Number: 303147
PRODUCER:
JOHNSONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
Your Deductible is:
19,590
$653,000
37
Your Deductible is:
1,290
$43,000
$3,487
$230
ONE STORY MASONRY FLEET MAINTENANCE FACILITY
10600 AVIATION BLVD, MARATHON
38
Your Deductible is:
18,930
$631,000
$1,426,#
TWO STORY WIND RESISTIVE BIG COPPITT FIRE SAFETY FACILITY
28 EMERALD DR, BIG COPPITT KEY
Your Deductible is:
98,454
3,000
$900,000
39
Your Deductible is:
$100,000
$5,110
$238
TWO STORY WIND RESISTIVE AIRPORT TERMINAL
9400 OVERSEAS HWY, MARATHON.
Your Deductible is:
16,380
3,720
$546,000
40
Your Deductible is:
$124,000
$1,234
$280
ONE STORY WIND RESISTIVE JAIL BLDG
53 HIGHPOINT RD, PLANTATION KEY
41
Your Deductible is:
57,777
$800,000
$2,907
THREE STORY WIND RESISTIVE JUSTICE BLDG
530 WHITEHEAD ST, KEY WEST
42
Your Deductible is:
26,861
$200,000
$3,199/"
CONTENTS IN ABOVE
43
Your Deductible is:
4,830
$161,000
$860
CONTENTS OF SHERIFFS SUB STATION IN A TWO STORY MASONRY
BLDG
6 COCO PLUM RD, MARATHON
44
Your Deductible is:
30,000
$1,000,000
$2,378
CONTENTS IN A TWO STORY WIND RESISTIVE BLDG OCCUPIED AS A
JAIL AND OFFICE
5501 COLLEGE RD, STOCK ISLAND
FWOA 4 (7/00)
p}l('fP f;
TO OUR INSURED
07/00
The Florida Windstonn Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structure. Please contact your insurance agent if you have any questions.
<
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstonn or hail losses,
insured against. If you renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other dequctibles are available as follows:
RESIDENTIAL: (Dwellings, Condominiums
Unit Owner, Mobile Homes, Renter's Contents)
Other
Hurricane Windstorm or Hail
5% *of building value 5% * of building value
4% of building value 4% of building value
3% of building value 3% of building value
2% of building value 2% of building value
$500 ** $500
. Available if insured values are equal to or greater than SI00,OOO .. Available if insured values are less than S100,000 ... Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
COMMERCIAL (Condos. Apartments,
RESIDENTIAL: Townhouses)
OTHER
COMMERCIAL:
Hurricane
10% *** of building value
5% of building value
3% of building value
Other
Windstorm or Hail
3% of building value
1 % of building value
$1000
5% of value
3% of value
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a stonn may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association, nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries ofa continous line beginning at the intersection of 72 degrees West Longitude and 15 degrees
North Latitude, then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude. thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude, then
southward along 95 degrees North Longitude to its intersection with 18 degrees North Latitude. thence running
diagonally to its intersection with 92 degrees West Longitude and 15 degrees North Latitude, then eastward along
15 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane, Other Windstonn or Hail; a
standard policy including Hurricane, Other Windstonn or Hail coverage or, if consistent with the insurer's underwriting rules as
filed with the Florida Department of Insurance, a basic policy including Hurricane, Other Windstonn or Hail coverage, we may
cancel at any time by letting you know at least sixty (60) days before cancellation takes effecl.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWU A fonns that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION
7077 Bonneval Road - Suite 500, Jackson11ille, Florida 32216-6064
DATE: 3/07/2001
INSURED:
FWUA File Number: 303147
PRODUCER:
JOHNSONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
45
Your Deductible is:
83,405
$500,000
$3,906 ,./"
THREE STORY WIND RESISTIVE SHERIFFS ADMINSTRATION BLDG
5525 COLLEGE RD, STOCK ISLAND
46 Your Deductible is: 15,000 $500,000 $2,811
CONTENTS OF THE ABOVE
47 Your Deductible is: 34,904 $500,000 $4,405
TWO STORY MASONRY COURT HOUSE ANNEX
500 WHITEHEAD ST, KEY WEST
48 Your Deductible is: 28,500 $500,000 $3,670
CONTENTS IN ABOVE
49 Your Deductible is: 98,179 $800,000 $4,547
FOUR STORY WIND RESISTIVE JAIL AND COURTHOUSE ANNEX
510 WHITEHEAD ST, KEY WEST
50 Your Deductible is: 11,250 $200,000 $1,421
CONTENTS IN ABOVE
51 Your Deductible is: 22,848 $400,000 $2,936
ONE STORY MASONRY LIBRARY
700 FLEMING ST, KEY WEST
52 Your Deductible is: 57,000 $600,000 $6,652
CONTENTS IN ABOVE
53 Your Deductible is: 90,607 $700,000 $10,550 I
ONE STORY MASONRY COUNTY OFFICE
K/A PUBLIC SERVICE BLDG
5100 COLLEGE RD, STOCK ISLAND
FWOA 4 (7/00)
P<=Inp 7
TO OUR INSURED
07/00
The Florida Windstonn Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structure. Please contact your insurance agent if you have any questions.
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstonn or hail losses,
insured against. If you renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other deductibles are available as follows:
RESIDENTIAL: (Dwellings, Condominiums
Unit Owner, Mobile Homes, Renter's Contents)
Other
Hurricane Windstorm or Hail
5% *of building value 5% * of building value
4% of building value 4% of building value
3% of building value 3% of building value
2% of building value 2% of building value
$500 ** $500
* Available if insured values are equal to or greater than S I 00,000 ** Available if insured values are less than S 100,000 *** Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
COMMERCIAL (Condos, Apartments,
RESIDENTIAL: Townhouses)
OTHER
COMMERCIAL:
Hurricane
10% *** of building value
5% of building value
3 % of building value
Other
Windstorm or Hail
3% of building value
1 % of building value
$1000
5% of value
3% ofvalue
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a stonn may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association, nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries of a continous line beginning at the intersection of 72 degrees West Longitude and 15 degrees
North Latitude. then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude, thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude, then
southward along 95 degrees North Longitude to its intersection with 18 degrees North Latitude, thence running
diagonally to its intersection with 92 degrees West Longitude and 15 degrees North Latitude. then eastward along
15 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane, Other Windstonn or Hail; a
standard policy including Hurricane, Other Windstonn or Hail coverage or, if consistent with the insurer's underwriting rules as
filed with the Florida Department of Insurance, a basic policy including Hurricane, Other Windstonn or Hail coverage, we may
cancel at any time by letting you know at least sixty (60) days before cancellation takes effect.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWUA forms that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
FLORIDA WINDSTORM UNDERWRITING ASSOCIA TION
7077 Bonneval Road - Suite 500, Jacksonville, Florida 32216-6064
DATE: 3/07/2001
INSURED:
FWUA File Number: 303147
PRODUCER:
JOHNSONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
54
Your Deductible is:
55,697
$300,000
$2,558
CONTENTS IN ABOVE
55
Your Deductible is:
49,314
$800,000
$2,910 I"
TWO STORY WIND RESISTIVE COUNTY OFFICE
K/A MARATHON GOVERNMENT CENTER
2790 OVERSEAS HWY, MARATHON
56
Your Deductible is:
13,200
$200,000
$755 /
CONTENTS IN ABOVE
57
Your Deductible is:
46,637
$850,000
$2,793v'
TWO STORY WIND RESISTIVE GOVERNMENTAL CENTER
HIGHPOINT RO, PLANTATION KEY
58
Your Deductible is:
5,880
$150,000
$393
CONTENTS IN ABOVE
./
59
Your Deductible is:
19,440
$648,000
$1,558
ONE STORY WIND RESISTIVE FIRE/RESCUE STATION
EAST DR, KEY LARGO
60
Your Deductible is:
$23,000
$741/'
$52
Your Deductible is:
9,840
1,000
$328,000
ONE STORY WIND RESISTIVE PUBLIC HEALTH DEPARTMENT BLDG
3333 OVERSEAS HWY, MARATHON
61
Your Deductible is:
71,570
$1,000,000
$8,810"/
TWO STORY MASONRY MERCANTILE BLDG
1100 SIMONTON ST, KEY WEST
62
Your Deductible is:
38,525
$1,000,000
$2, 027/
TWO STORY WIND RESISTIVE BUS TERMINAL/AIRPORT TERMINAL BLDG
3531-3535 S ROOSEVELT BLVD, KEY WEST
FWUA 4 (7/00)
Paae 8
TO OUR INSURED
07/00
The Florida Windstonn Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structure;. Please contact your insurance agent if you have any questions.
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstonn or hail losses,
insured against. If you renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other deductibles are available as follows:
COMMERCIAL (Condos, Apartments,
RESIDENTIAL: Townhouses)
OTHER
COMMERCIAL:
RESIDENTIAL: (Dwellings, Condominiums
Unit Owner, Mobile Homes, Renter's Contents)
Other
Hurricane Windstorm or Hail
5% *of building value 5% * of building value
4% of building value 4% of building value
3% of building value 3% of building value
2% of building value 2% of building value
5500 ** 5500
. Available if insured values are equal to or greater than Sloo,OOO .. Available if insured values are less than Sloo,Ooo .*. Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
Hurricane
10% *** of building value
5% of building value
3% of building value
Other
Windstorm or Hail
3% of building value
1 % of building value
$1000
50/0 ofvalue
3% ofvalue
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a stonn may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association, nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries of a continous line beginning at the intersection of 72 degrees West Longitude and 15 degrees
North Latitude, then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude, thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude. then
southward along 95 degrees North Longitude to its intersection with 18 degrees North Latitude, thence running
diagona/{v to its intersection with 92 degrees West Longitude and 15 degrees North Latitude. then eastward along
15 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane, Other Windstonn or Hail; a
standard policy including Hurricane, Other Windstonn or Hail coverage or, if consistent with the insurer's underwriting rules as
filed with the Florida Department of Insurance, a basic policy including Hurricane, Other Windstonn or Hail coverage, we may
cancel at any time by letting you know at least sixty (60) days before cancellation takes effect.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWUA fonns that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION
7077 Bonneval Road - Suite 500, Jacksonville, Florida 32216-6064
DATE: 3/07/2001
INSURED:
FWUA File Number: 303147
PRODUCER:
JOHN SONS INS AGY
POBOX 2346
MARATHON SHORES, FL 33052
MONROE COUNTY, FLORIDA
5100 COLLEGE ROAD
ROOM 207
KEY WEST, FL 33040
WINDSTORM RENEWAL PREMIUM DUE: 5/03/2001 NOTICE OF NONRENEW AL IF NOT PAID.
63
Your Deductible is:
15,720
$524,000
$1,0551"
ONE STORY WIND RESISTIVE MARINE STORE
800 35TH AVE, MARATHON
64
Your Deductible is:
30,000
$1,000,000
$2,014
ONE STORY WIND RESISTIVE BUILDING OCCUPIED AS SHERIFF SUB-
STATION, PUBLIC HELTH UNIT/OFFICE K/A MARINERS HOSPITAL
50 HIGHPOINT RD, ISLAMORADA
65 Your Deductible is: 1,050 $35,000 $157
ONE STORY MASONRY STORAGE BUILDING
66 Your Deductible is: 1,000 $30,000 $134
ONE STORY MASONRY STORAGE BUILDING
67 Your Deductible is: 1,000 $25,000 $112
ONE STORY MASONRY STORAGE BUILDING
FWUA 4 (7/00)
Paqe 9
TO OUR INSURED
07/00
The Florida Windstonn Underwriting Association (FWUA) has been providing insurance service to citizens of Florida for more than
25 years. In order to assure that the FWUA has sufficient resources available to pay claims, we have increased our rates. The attached
invoice reflects the new rate structure. Please contact your insurance agent if you have any questions.
This offer of renewal contains a separate deductible for hurricane losses and a separate deductible for other windstonn or hail losses,
insured against. If you renew this policy, the deductibles shown on your declaration page are the deductibles that will apply in
event of a covered loss. We provide an alternative Hurricane deductible offer in this renewal invoice which may increase your out-of-
pocket expenses in the event of a covered loss. This offer may reduce your premium payment. Please contact your insurance agent
or broker for additional information. Other deductibles are available as follows:
RESIDENTIAL: (Dwellings. Condominiums
Unit Owner. Mobile Homes, Renter's Contents)
Other
Hurricane Windstorm or Hail
5% ""of building value 5%"" of building value
4% of building value 4 % of building value
3% of building value 3% of building value
2% of building value 2% of building value
$500 .",.", $500
· Available if insured values are equal to or greater than $100,000 .. Available if insured values are less than $100,000 ... Available to Apartments/Townhouses only
If your new declaration page does not reflect the deductible you desire, contact your insurance agent immediately.
COMMERCIAL (Condos, Apartments,
RESIDENTIAL: Townhouses)
OTHER
COMMERCIAL:
Hurricane
10%"""""" of building value
5% of building value
3% of building value
Other
Windstorm or Hail
3% of building value
1 % of building value
$1000
5% ofvalue
3 % of value
It is important you submit payment for your renewal to our Jacksonville office before the due date shown on the face of this
renewal invoice. This is because the location of a stonn may have an effect on the continuation of coverage as indicated in our
Hurricane and Tropical Storm Underwriting Restriction which reads:
No application for new or increased coverage shall be bound by the Association, nor renewal of or reinstatement of a
lapsed policy or change in deductible shall be bound when a designated tropical storm or hurricane is located
within the boundaries of a continous line beginning at the intersection of 72 degrees West Longitude and 15 degrees
North Latitude. then running northward along 72 degrees West Longitude to its intersection with 35 degrees North
Latitude, thence west along 35 degrees North Latitude to its intersection with 95 degrees West Longitude, then
southward along 95 degrees North Longitude to its intersection with 18 degrees North Latitude. thence running
diagonal~v to its intersection with 92 degrees West Longitude and 15 degrees North Latitude, then eastward along
15 degrees North Latitude to its intersection with 72 degrees West Longitude.
If we obtain an offer from an authorized insurer with rates approved by the Florida Department of Insurance to cover your property
described in the declaration page(s) under either a policy specific only to the perils of Hurricane, Other Windstonn or Hail; a
standard policy including Hurricane, Other Windstonn or Hail coverage or, if consistent with the insurer's underwriting rules as
filed with the Florida Department of Insurance, a basic policy including Hurricane, Other Windstonn or Hail coverage, we may
cancel at allY time by letting you know at least sixty (60) days before cancellation takes effect.
Credits are available for shutter, housing features and other mitigation (loss prevention) devices. Your agent will make available
(you may request at any time) the FWU A fonns that must be satisfied to qualify for these discounts.
This offer of renewal does not protect you against loss due to flood or wave wash. Flood Insurance is available through the federal
government. Contact your property-casualty insurance agent or broker to apply for coverage.
NOTICE
"THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU."
COMMERICAL
IMPORT ANT NOTICE
THIS IS A NOTICE OF NONRENEW AL IF YOU DO NOT RENEW AND PAY THE ENCLOSED OFFER OF COVERAGE.
YOUR RENEWAL POLICY HAS CHANGED. COVERAGES HAVE BEEN REDUCED OR ELIMINATED. THIS MAY
INCREASE YOUR our -OF-POCKET EXPENSES. The following is a summary of changes.
Other structures previously shown on your Declaration page(s) may have been eliminated. This renewal policy no longer provides coverage
for these types of property.
The information below is a summary of changes. To determine your exact coverage. read this renewal policy and other
documents carefully and compare it against your prior Declarations and policy. Contact your agent if you have any questions.
I understand that by paying the renewal premium, I am purchasing a policy with reduced and amended coverages, and with my deductibles
and these changes, may increase my out-of-pocket expenses.
SUMMARY OF COMMERCIAL POLICY COVERAGE CHANGES
FWUA EXPIRED FWUA RENEWAL POLICY
POLICY COVERAGES (OLD) COVERAGE CHANGES (NEW)
Coverage B
Business Personal Property - Special Limits
Coverage B - Contents Any Amount Limited to no more than 50% of your
Coverage A building amount if building
coverage is provided. Does not apply to
commercial condominium unit owner
policies.
Coverage B
Business Personal Property - Special Limits
Electronic Data Processing Cover only blank recording media, no limit Cover only blank recording media,
Equipment $1.000 limit
Unique Properties - you may have had coverage for in your expiring policy.
Awnings; Fabric, Thatch, Grass and Covered if it had been described on your Not Covered
Palm covered/sided structures declarati ons.
Boardwalks, Catwalks, Trestles & Covered if it had been described on your Not Covered
Decks declarations.
Bridges Covered if it had been described on your Not Covered
declarations.
Driveways, Courts, Pads, & Other Covered if it had been described on your Not Covered
Similar Structures, including Tennis declarations.
Courts, their Netting, and
Wind Screens on Fences.
Tiki Huts, Chickee, Gazebos, Covered if it had been described on your Not Covered
Slathouses, Bathhouses, Pergolas, declarations.
Tents, and Fabric Covered
Structures, and similar open-sided
structures
Satellite Dish, Signs Covered if it had been described on your Not Covered
declarati ons.
Steeples Covered if it had been described on your Not Covered
declarations.
COMMERCIAL
FWUA EXPIRED FWUA RENEWAL POLICY
POLICY COVERAGES (OLD) COVERAGE CHANGES (NEW)
Statuary, Monuments or Covered if it had been described on your Not Covered
Tombstones declarations. ~ .
Tanks and Silos Covered if it had been described on your Not Covered
declarations.
Tents and Fabric Covered Structures Covered if it had been described on your Not Covered
declarations.
Towers, including Radio and TV Covered if it had been described on your Not Covered
Transmitting or Receiving Antennas declarations.
Water or Sewage Lift Pumps in Covered if it had been described on your Not Covered
open. Lawn Sprinkling Systems, declarations.
Plumbing, Fountains
Other Commercial Structures such as Covered if it had been described on your Not Covered
Tanks, Telephone Poles, etc. declarations.
(Reference your renewal invoice)
Acceptance of your renewal coverage creates a conclusive presumption that you are aware and understand the
changes in your policy.
FLORIDA WINDSTORM UNDERWRITING ASSOCIATION