What it does
Sets a hurricane deductible that applies instead of the policy deductible for hurricane losses. The 07 14 edition replaced a 10 12 edition.
Who needs it
Coastal rental and seasonal dwellings.
Quoting and selling notes
- Florida uses its own calendar-year hurricane deductible forms.
Editions and availability
Current edition 07 14, replacing 10 12. Carriers adopt ISO editions state by state, so the edition on a given policy can lag the newest one.
Program notes
Dwelling policies are written for the property owner, not the occupant, and are the usual vehicle for landlords of one- to four-family dwellings. Because the forms carry no liability coverage, review every dwelling file together with DL 24 01 (or the homeowners or commercial policy that provides premises liability), and with any personal umbrella the client carries.
