EFTA00621247.pdf

WELLS FAT? (10 INSURANCE July 25, 2013 S mile r. Leon Black RE: Homeowners Dwelling Insurance Dear Leon: Wollaargo Insurance Silvio/tiro/I, Inc. 330 Madison Avenue 7th Floor New York NY 10017.5001 Tel:212 682 7500 Pax: 212 632 1043 Enclosed please find Fireman's Fund Insurance Company poll providing the captioned insurance for a period of one year from July 18, 2013. Also attac is our invoice in the amount of $17,058 representing the annual premium. The policy covers the dwellings located at for an amount of $5,478,000. Personal property consisting o contents are insu or „ . The insurance is written on a replacement cost basis with all losses subject to a S25,000 deductible. There is 5% windstorm/hurricane deductible, therefore, losses by this peril will have a deductible of $273,900. However, we were able to reduce it to $50,000 and are awaiting the formal endorsement. Personal liability protection for this house is afforded under the New York City homeowners co-op policy. I trust all will be found in order, and remain Sincerely, Jeffrey A. Haber JAH:ya End. Together we'll go far G %fiat Am alibi , Wei Drbralossownest13.Nr*POtorpnampme...V. EFTA00621247 coma Fireman's Fund' prcooingyourfurtureforlsorait Personal Homeowner Policy Declarations Summary Listed below is basic information about your policy. THANK YOU FOR RENEWING YOUR POLICY WITH FIREMAN'S FUND STARTING AT 12:01 AM ON =CI 07/18/13. WE INCREASED YOUR COVERAGES TO PROTECT AGAINST INFLATION. ENDORSEMENT COVERAGE HAS BEEN CHANGED ON YOUR POLICY. AMM. COINSURANCE DOES NOT APPLY SECONDARY RESIDENCE avis This Policy Has Been Issued by FIREMAN'S FUND INSURANCE COMPANY (One of the Fireman's Fund Insurance Companies) =Er Policy Number Policy Period 07-18-13 to 07-18-14 Named Insured Your Agent Is WELLS FARGO INS SVCS USA, INC LEON D BLACK 330 MADISON AVENUE, 7TH FLOOR NEW YORK NY 10017 (800) 982-2125 Homeowner Policy Covering Premises and Contents at Premium REFER TO PAGE 2 OF THE DECLARATIONS FOR A DESCRIPTION OF THE COVERED PROPERTY S 18,032.00 ADDITIONAL 974.00- TOTAL PREMIUM 5 17,058.00 NY FIRE FEE .00 HIP 14 EFHG.O152B04F001 TOTAL PREMIUM INCLUDES THESE CUSTOMER CREDITS AND SURCHARGES: NEWER HOME DISCOUNT 5 5,689 HIGHER OPTIONAL DEDUCTIBLE 5 8,500 ALARM OR SPRINKLER SYSTEM $ 13,654 PORTFOLIO CREDIT 5 2,845 Your Bill Is Not Enclosed — Your Bill Will Be Mailed SEPARATELY Approximately 20 Days Before Your Next Scheduled Due Date 33S526 2416 Page 1 of 3 Insured Copy EFTA00621248 eja Fireman's Fund° LL C C I 2 LL ! I Personal Homeowner Policy Declarations Protecting your future for 150 years. Effective Date Company 07-18-13 FIREMAN'S FUND INSURANCE COMPANY Named Insured Your Agent is WELLS FARGO INS SVCS USA, INC 330 MADISON AVENUE, 7TN FLOOR NEW YORK NY 10017 (800) 982-2125 Policy Period Your Policy begins on 07-18-13 at 12:01 AM Standard Time and expires on 07-18-14 at 12:01 AM Standard Time. Your Covered Property Deductible: In case of loss under Coverage For Damage To Your Property, this policy covers only that part of the loss over the deductible stated. $25,000 ALL PERILS EXCEPT HURRICANE DEDUCTIBLE: 5X, i 273900,(NININUM 3800) Policy Form 5250 08-09 Prestige Home Premier - NY Dwelling Coverages Limits of Liability Coverage For Damage To Your Property Dwelling 5,478,000 Other Structures 1,095,600 Personal Property 1,369,600 Coverage For Liability And Medical Payments To Others See Primary Policy for Personal Liability and Medical Payments Coverage Total Policy Premium $ 17,058.00 335524 4.02 Page 2 of 3 Insured Copy EFTA00621249 Personal Homeowner Policy Declarations Policy Number Named Insured LEON D BLACK Effective Date 07-18-13 Company FIREMAN'S FUND INSURANCE COMPANY Your Agent Is WELLS FARGO INS SVCS USA, INC 330 MADISON AVENUE, 7TH FLOOR NEW YORK NY 10017 (800) 982-2125 Forms and Endorsements Applicable to this Policy Endt. No Edition Date Title Premium 5250 08-09 Prestige Hone Premier - NY Included 125825 04-02 No Cover For Liab/Med - Day Care Included 125885 01-09 Policy Conditions Amendatory - NY Included 5311 04-02 Policy Conditions Included 125872 04-02 Premises Alarm Or Fire Protection Included 125965 03-08 Equipment Breakdown Coverage 383.00 125891 11-02 Increased Fungi Limit 350.00 125507 10-02 5% Hurricane Ded - NY Building Form 4,551.00- 180005-3 08-67 Manuscript Endorsement - Credit 1,707.00- 125549 10-02 Off Premises Theft Exclusion Included 180005-1 08-67 Special Terms Endorsement - Credit 1,766.00- 125900 10-02 WC - Certain Residence Employees Included Signatures One of the Fireman's Fund Insurance Companies, as named in the policy Date of Issue 05-20-13 Countersignature of Authorized Agent or Broker Secretary's Signature Signature 335522 4-99 Page 3 of 3 Insured Copy EFTA00621250 Gasta Fireman's Fund' A Message for Our Customers .. . Your Portfolio Credit Protecting your future for150 years. We've applied a 5% Portfolio Credit to your homeowners premium. This credit applies because your portfolio of insurance with us includes homeowners, personal excess liability and a qualifying schedule of your valuables. What's a qualifying schedule? It's a separate schedule of $10,000 or more in jewelry or 575,000 in total valuables that provides specialized coverage for the items you treasure. And the credit goes on. You'll receive this credit for as long as you continue these coverages with Fireman's Fund®. Of course, you'll also continue to receive the superior service and products from one of the nation's most respected insurers. If you have any additional questions regarding this credit, please contact your Fireman's Fund insurance representative. 333688 2-04 NY 3 ; 3 EFTA00621251 Flood/Mudslide Exclusion Advisory Notice to Policyholders - New York No coverage is provided by this notice nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations Page for complete information on the coverages you are provided. If there is any conflict between the policy and this Advisory Notice to Policyholders, THE PROVISIONS OF THE POLICY SHALL PREVAIL. Your homeowners policy does not insure for loss caused directly or indirectly by: • Flood; or • Mudslide; Caused by or resulting from human or animal forces or any act of nature. Such loss is excluded: • Regardless of any other cause or event contributing concurrently or in any sequence to the loss; and • Whether or not the loss event results in widespread damage or affects a substantial area. However, the exclusion of flood does not apply to direct loss by fire or explosion resulting from flood, and the exclusion of mudslide does not apply to direct loss by fire or explosion that ensues but we will pay only for the ensuing loss. Insurance for flood damage and damage caused by mudslide may be available through a separate flood in- surance policy issued in accordance with the National Flood Insurance Program (NAP). Flood insurance un- der the NFIP can provide both structure and contents coverage. If you have any questions or would like more information about your coverage for Flood from the National Flood Insurance Program or Fireman's Fund, please contact your insurance representative named on the Declarations Page of your policy. You may also contact the NAP directly by phone at 1-888-379-9531, or visit the website shown below for more information: http://www.fema.gov/businessinfip/ If you have already purchased coverage for Flood, then you may disregard this notice. We at Fireman's Fund appreciate the opportunity to assist you with your Personal Insurance needs. e-Aoszi 9-08 NY Copyright. Firemen's Fund Insurance Companies, 2008, Novato. CA. Includes copyrighted material of Insurance Services Office. Inc. 2008. With Its permission EFTA00621252 " 1 0102 1 000000 1 0 02F' I masa Fireman's Fund° A Message to our Customers - Hurricane Deductible forWaling ur uture for 750 years. We are required by State Law to advise you of the following: Your policy contains a hurricane deductible equal to 5% of the Dwelling limit of liability (Coverage A). Your deductible is displayed on the policy declarations page. The deductible percentage and dollar amount shown rep- resent the costs that are your responsibility if you suffer an insured hurricane loss. There is a $500 minimum deductible. The deductible applies to the total loss for Coverages A, B and C, not to each coverage separately. (see below examples): Example 1 Property Dwelling (Coverage A) Other Structures (Coverage B) Personal Property (Coverage C) $100,000 limit Coverage A ®5%= Your Policy pays Example 2 Property Dwelling (Coverage A) Other Structures (Coverage B) Personal Property (Coverage C) Limit of Liability $100,000 75,000 50,000 Limit of Liability $100,000 75,000 50,000 Damage caused by hurricane $5,000 dwelling 1,000 detached garage 1 000 personal property $7,000 total hurricane loss -5,000 deductible $2,000 Damage caused by hurricane $ 1,000 Dwelling 0 no damage 500 personal property $ 1,500 total hurricane loss This amount is less than your $5,000 deductible. • The National Hurricane Center or the National Weather Service determines when a storm is claccified as a hurricane and confirms when and where the hurricane has made landfall. Category One hurricanes have winds from 74 to 95 miles per hour or have a storm surge where water is four to five feet above normal. • Your hurricane deductible applies to losses which are caused by, increased by or in any way result from: • a Category One or higher hurricane making landfall anywhere in the State of New York, or, • any hurricane making landfall outside the State of New York, provided there are Category One or higher hurricane force winds within New York State in the area where the losses occur. Loss settlement and inflation factor Your dwelling limit (Coverage A) has an automatic inflation factor of 3% for the annual policy term. The 5% hurricane deductible is applied to the dwelling limit at the time of the loss. If the hurricane occurs exactly six months into your policy term, your dwelling limit will be increased 1.5%. Other Structures (Coverage B) and Personal Property (Coverage C) will also be increased by 1.5%. If the initial dwelling limit (Coverage A) is $100,000 and the inflation adjustment is 1.5%, your dwelling limit at the time of the loss is $101,500 and your 5% hurricane deductible is $5,075. Your actual insurance policy, the declarations page and any attached endorsements are your legal insurance contract. Your policy contains details not included in the above summary. If you have any questions, please contact your Fireman's Fund insurance representative. 335500 6-99 NY Par 1 of 2 EFTA00621253 Tips to help reduce windstorm damage to your home. 1. Install storm shutters or windstorm protective glazing material for all exterior openings such as windows, skylights and glass doors to prevent breakage. Shutters and glazing materials should be capable of withstanding hurricane force winds and wind-blown debris. 2. Have a professional reevaluate and strengthen entry and garage doors to withstand wind and flood loads. 3. Have composition roof shingles checked and if necessary, reinforced with additional nails or screws to more firmly secure them to the roof sheathing. Also, when you replace your shingles, replace or install a water- resistant membrane (tar-paper or hot-mopped underlayment) under new shingles. 335800 699 NY Pap 2 of 2 EFTA00621254 caia Fireman's Fund• Protecting your future for 1 SOyears. EFHG.O152.B02F301 0 O - A Message for Our Customers in New York .. . Premium Credit for Windstorm Protective Devices You may qualify for a Windstorm Protective Device Premium Credit if you have windstorm protective devices in- stalled, such as storm shutters or Hurricane Resistant Laminated Glass. Which devices qualify? To qualify, your windstorm protective device must be: • Demonstrated to reduce certain types of windstorm losses; • Installed according to manufacturer's specifications; and • Able to withstand external pressure and wind-borne debris from a storm with sustained wind 110 mph or a storm surge of 8 feet above normal. How long does this credit apply? We will continue this credit as long as you: • Keep your protective devices in working order, • Close and secure protective devices when necrisaty; • Tell us about any changes that could alter performance of protective devices; and • Inform us of additions, alterations, or construction of new buildings on your property. The amount of the credit depends on the protective device you have. If you think you qualify for this premium credit or would like to know more, please contact your Fireman's Fund insurance representative. 335858 7-00 NY New York Policyholder Message Special Notice For Senior Citizens If you are age 65 or over, you may designate a third party to receive any notice of cancellation, non-renewal or conditional renewal of this insurance policy. To appoint a third party designee, Section 3111 of the New York Insurance Law requires that you notify us by certified mail, return receipt requested at the address 385632 6-91 NY of at least shown below. The notice must contain, in writing, acceptance by the third party designee. Your request will be effective no later than ten (10) business days from the date of receipt. The third party designee may terminate his or her status by providing written notice to you and us. Mailing Address: Fireman's Fund, P.O. Box 25252, Lehigh Valley, PA 18002-5252. EFTA00621255 • I 0194 I OCAOCO I 002F • 0003678R HIP HI EFFIG 0152 602F30I This Endorsement Changes the Policy. Please Read It Carefully. increased Property Damage Limit for Loss from Fungi Fireman's Fund' Protecting your future for 150 years. In consideration of the premium charged for this coverage, you and we agree: That the limit applying to fungi that is the result of a cause of loss otherwise covered for property damage in this policy is revised to 5,478,000 . All other policy provisions apply. 125891 11.02 Copyright. Rreman's Fund Insurance Companies, 2001. Novato. CA EFTA00621256