What it does
FP 12 09 is filed with a 04 16 edition as Limitations On Windstorm Or Hail Coverage For Roof Surfacing. Roof surfacing limitations restrict how wind and hail damage to roofs is paid, a response to frequent hail claims.
Who needs it
Farms in hail-prone areas, especially with metal roofs on barns and outbuildings.
Quoting and selling notes
Show the insured how roof claims would be settled under the endorsement; this is a major source of disputes after hailstorms.
Before presenting it
Ask the carrier for the specimen and read it with the farm coverage form it modifies before explaining it to the insured.
How it fits the farm policy
A farm program endorsement changes only the coverage forms named in its "this endorsement modifies" list. Everything else in the Farm Coverage Part keeps working as written: the FP 00 90 additional coverages, conditions and definitions, the causes of loss selected from FP 10 60, and the farm liability forms. When presenting a quote, list each farm endorsement with its schedule entries (insured location, building or item, limit, deductible) so the insured can see exactly where the base coverage was broadened or narrowed.
