PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

Replacement Cost EstimatorsA requirement on homes with Expanded Replacement Cost – WN HO 20 on the dwelling in theStandard Homeowner Program. The home must be insured to 100% of the replacement cost.The Preferred Homeowner Program requires the home to be insured to 100% of its replacementcost and a replacement cost estimator must be submitted with every Preferred application.The replacement cost terms that apply to Coverage A can be expanded to pay up to 140% of theCoverage A limit when a covered loss exceeds the limit shown on the declaration and the insuredelects to repair or replace the residence.Updating InformationWestern National requires updating information on the roof, plumbing, electrical and heating. Thosehomes with a minimum 100 AMP service are eligible for our homeowner program. The age of theroof must be 20 years or less.Woodburning DevicesDO NOT BIND - May be acceptable provided the device is a UL tested and approved stove,installed with the proper clearances, and vented into an acceptable chimney. A Solid FuelQuestionnaire must be submitted unbound with photos to Western National before coverage will beconsidered. Such units must be professionally installed & inspected. The appliance must becertified. If vented into a masonry chimney, the chimney must be lined.LossesPrior loss history is very important to the underwriting function and every loss (insured or not) mustbe detailed on the application.Prefer risks with loss free experience – A "weather related" loss may be considered.Prior Cancellation/ Non-renewalDO NOT BIND – Submit with full details for consideration.Dogs, Horses, Other LivestockDogs of the breeds that display aggressive tendencies will not be considered. Examples mayinclude, but are not limited to Dobermans, Rottweilers, Chows, Akitas, Weimaraners, Pit Bulls,German Shepards, Siberian Huskies, Boxers, Great Danes, Presa Canario, etc.Risks that involve vicious or exotic animals or pets also will not be considered. Any animals withprior bite history (reported or not) will not be considered. Any risk where there are more than 3 dogsrequires prior underwriting approval.Ownership of horses or other livestock is viewed as an increased liability exposure and as such areineligible for Western National's homeowner programs.Mutual Underwriting Information – October 2012 Page 15