What it does
OP 10 14 is filed by ISO as the Windstorm Or Hail Exclusion endorsement for the Capital Assets Program.
Who needs it
Output policy accounts in areas where windstorm is insured separately, such as through a state wind pool.
Quoting and selling notes
Arrange wind coverage elsewhere before binding.
Before presenting it
Ask the carrier for the specimen and walk the insured through covered property, causes of loss, exclusions, valuation, deductibles and sublimits before relying on this summary.
How it fits
Capital Assets Program endorsements change only the provisions they name in OP 00 01; the rest of the coverage form and its declarations (OP DS 01, OP DS 02) continue to apply. When presenting a quote, list each OP endorsement with its schedule entries (locations, limits, deductibles) and compare the package with the equivalent commercial property (CP) forms if the insured is weighing both programs.
