Blog

In the past few weeks, we have heard from a lot of our agents and policyholders regarding the things they have learned from hurricane Irma. We are evaluating all of the feedback received and how we may be able to better protect both our agents and policyholders the next time a hurricane hits our state. Those changes that would require rate and/or form filings with the Office of Insurance Regulation will be addressed in the near future. In the meantime, please see the items below that we are able to address immediately.

Wind Driven Rain Coverage

• HO 17 52 Unit-Owners Special Coverage A Endorsement will now be automatically selected on all HO6 quotes*. If the insured does not want the coverage you will need to deselect the endorsement on the Coverage tab. This endorsement broadens coverage on the HO6 policy form by changing coverage A-Dwelling loss settlement from Named Perils to All Risk subject to policy exclusions.

Amount of Hurricane Deductible

• Hurricane Deductible Options - St. Johns offers flat hurricane deductible options of $500 or $1,000. Both of these options are available on all HO3 policies regardless of Coverage A or which AOP deductible has been chosen. Please note that the hurricane deductible can only be changed at renewal.

*Existing HO6 quotes will not update automatically, you will need to select the endorsement on the coverage tab.

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