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

Coverage FormsWestern National underwrites Form 3 coverages tightly. Flat roofs are not eligible for Form 3coverages. We will look at the construction of the home, the age of the roof (20 year maximum)roofing material, amount of overhang, and if there are valleys. Attached are some photos of homesthat we typically will not offer Form 3 coverages. We feel these homes are most susceptible to waterdamage losses. Exhibit C.Consumer ReportsPlease inform the applicant/insured that as a part of our normal procedure for processingapplications, a consumer report may be made into their insurability. They also have a right to seethe report and must contact the reporting company for the information developed. Should somethingcome to the attention of the company that was not disclosed on the application, the policy could besubject to cancellation or alteration. Credit reports will be ordered on every homeowner application.See attached Exhibit D, Standards For Use of Credit Information or Insurance Scores.Significant Savings Through Use Of Higher DeductiblesNO MAXIMUM CREDIT - Western National does not cap the amount of credit for the use of higherdeductibles.Mutual Underwriting Information – October 2012 Page 17