HO 04 93 05 11 2025

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This document is an endorsement to a homeowners insurance policy that modifies the loss settlement conditions specifically for roof surfacing damages caused by windstorm or hail. It establishes that such losses will be settled at actual cash value rather than replacement cost without depreciation, detailing specific provisions and exceptions related to coverage.

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Click ‘Get Form’ to open the HO 04 93 05 11 endorsement in the editor.
Begin by reviewing Section I – Conditions. This section outlines how losses due to windstorm or hail will be settled, specifically focusing on roof surfacing.
Fill in any required personal information at the top of the form, ensuring accuracy for effective processing.
In Section D, Loss Settlement, carefully read through the conditions that apply to your property type. Note any specific details regarding actual cash value and replacement costs.
If applicable, indicate whether your loss pertains to personal property or roof surfacing. Make sure to check the relevant boxes as instructed.
Review all entries for completeness and accuracy before saving your changes. Utilize our platform’s features to sign and distribute the document as needed.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Is it better to have actual cash value or replacement cost?

It depends on your budget, your insurer, and your personal preference. If youre offered a choice, actual cash value may be a more affordable option, but replacement cost value typically offers more coverage. Youll need to decide if you prefer more coverage for a higher premium or less coverage for a lower premium.

Why is it a good idea to have replacement cost on your property?

A replacement cost policy helps pay to repair or replace damaged property without deducting for depreciation, says the III. This type of coverage may be available for both your personal belongings and your home if they are damaged by a covered peril. Personal property coverage.

Is personal property replacement cost worth it?

Earthquake, flood, mold, earth movement, and wear and tear are some of the perils that are usually excluded.

What is the actual cash value loss settlement?

If youd rather receive enough to buy a brand-new laptop, choose replacement cost coverage for your belongings. This coverage typically costs a little more, but it could be worth thousands of dollars if you lose all your stuff in a catastrophe.

What is a good amount of personal property coverage?

The sum of the value of all your items is how much coverage you need. Often, the amount of personal property coverage is determined by using 50% of your dwelling coverage limit. For example, if your dwelling coverage is $400,000, youll have $200,000 in personal property coverage.

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What is the 80% rule in homeowners insurance?

The 80% rule dictates that homeowners must have replacement cost coverage worth at least 80% of their homes total replacement cost to receive full coverage from their insurance company.

What does replacement cost on personal property mean?

In general, replacement cost coverage pays to replace your belongings with new ones or of similar value if it were new. On the other hand, actual cash pays the value of what your belongings are worth today by considering things like age and wear and tear.

HO 04 93 05 11 2025

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Got questions?

Is it better to have actual cash value or replacement cost?

Why is it a good idea to have replacement cost on your property?

Is personal property replacement cost worth it?

What is the actual cash value loss settlement?

What is a good amount of personal property coverage?

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What is the 80% rule in homeowners insurance?

What does replacement cost on personal property mean?

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