New Jersey Administrative Code › Title 11 - INSURANCE › Chapter 2 - INSURANCE GROUP › Subchapter 42 - HOMEOWNERS INSURANCE: STANDARD HURRICANE DEDUCTIBLES AND EXPEDITED PROCESS FOR HOMEOWNERS INSURANCE RATE CHANGES › Appendix - APPENDIX

Current through Register Vol. 56, No. 14, July 15, 2024
EXHIBIT A
Expedited Homeowners Filings
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EXHIBIT B
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EXHIBIT C
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EXHIBIT D
HURRICANE DEDUCTIBLE
For the premium charged, we will pay only that part of the total of the loss for all Section I Property Coverages that exceeds the Hurricane Deductible noted below:
This deductible applies, as described below, in the event of direct physical loss to property covered under this policy, caused directly or indirectly in the event of a hurricane named by the National Weather Service or its successor from which sustained hurricane force winds of 74 miles per hour or greater have been measured in New Jersey by the National Weather Service (regardless of whether the sustained hurricane force winds reach the risk insured under the policy) and shall replace any other applicable deductible in that event. In no case will this deductible be less than the Section I deductible amount shown in the Declarations.
The duration of the hurricane includes the time period:
1. Beginning 12 hours prior to the first time that sustained hurricane force winds of 74 miles per hour or greater have been measured in New Jersey by the National Weather Service (regardless of whether the sustained hurricane force winds reach the risk insured under the policy).
2. Continuing for the time period during which the hurricane conditions exist anywhere in New Jersey.
3. Ending 12 hours after the last time the hurricane force winds of 74 miles per hour or greater have been measured in New Jersey by the National Weather Service (regardless of whether the sustained hurricane force winds reach the risk insured under the policy).
This deductible applies regardless of any other cause or event contributing concurrently or in any sequence.
The Hurricane Deductible (% or Stated Amount Deductible) shown in the Declarations applies only for loss or damage to covered property caused by wind, wind gusts, hail, rain, tornadoes, or cyclones caused by or resulting from a hurricane. The Hurricane Deductible also applies to any loss or damage to covered property caused by objects driven by wind, if your covered loss occurs during the time period.
The deductible for loss caused by each hurricane occurrence is the amount determined by applying the deductible percentage or Stated Amount Deductible shown in the Declarations to the applicable Coverage A--Dwelling limit shown in the Declarations.
This deductible amount does not apply to loss under Coverage D, Loss of Use. Instead the deductible amount that applies to loss under Coverage D will be the same as the deductible amount that would have been applied to the peril of fire.
Exhibit E
ZIP CODES
07002
07719
08006
08247
08734
07008
07720
08008
08248
08735
07036
07721
08050
08251
08736
07064
07723
08087
08260
08738
07077
07724
08092
08270
08739
07201
07730
08201
08311
08740
07202
07732
08202
08324
08741
07206
07734
08203
08327
08742
07302
07735
08204
08332
08750
07304
07737
08205
08345
08751
07305
07739
08210
08349
08752
07306
07740
08212
08401
08753
07701
07748
08221
08402
08754
07702
07750
08223
08403
08755
07704
07753
08225
08404
08756
07709
07755
08226
08406
08757
07711
07756
08230
08721
08758
07712
07757
08232
08722
08832
07715
07758
08234
08723
08861
07716
07760
08241
08724
08862
07717
07762
08242
08730
08879
07718
07764
08243
08731
08005
08244
08732