What it does
Applies depreciation to roof surfacing losses caused by windstorm or hail.
Who needs it
Older roofs and hail-prone territories; some carriers attach it automatically based on roof age or insurance-to-value.
Quoting and selling notes
- Explain the effect on a hail claim before binding. The 2022 program adds roof payment schedule and cosmetic damage options (HO 06 43, HO 06 44, HO 06 46).
Editions and availability
Editions in use and where they apply: 03 22 (34 jurisdictions); 04 16 (2 jurisdictions: CT, MT); 05 11 (6 jurisdictions: AL, CA, GA, HI, NC, VI); 10 00 (1 jurisdiction: PR).
Homeowners endorsements are built for a specific program edition. When a carrier moves a state from the 2011 (05 11) program to the 2022 (03 22) program, the endorsement editions move with it, so match the endorsement edition to the policy form edition shown on the declarations.
