Bind requirements / Coverage-gap review
Confirm coverage gaps reviewed with HO
Althea wind-only sits on top of the HO3. Confirm with Alex Hartley that they understand where the two policies do and don't overlap before you lock.①
Risk
Underlying HO3 (Allstate)
Althea wind-only
Hurricane / named storm wind
Excluded — wind-only carrier required
Covered · 2% deductible
Hail damage
Covered
Not covered②
Water from storm (rain ingress through wind opening)
Excluded (typically)
Covered when wind opening is direct cause
Storm surge / flood
Excluded — NFIP required
Not covered
Ordinance & law upgrade
Per HO3 terms (often 10% of A)
10% of A for wind-caused damage rebuild
Opening-protection warranty
No warranty
No warranty — no deployment required
Talking points for your conversation
Make sure the HO understands that hail damage stays with their HO3, and that storm surge and flood are excluded from both policies — recommend NFIP separately if they don't already have it. Water ingress from a wind-caused opening (e.g., shingles lifted) is covered by Althea.
✓
I confirm I have reviewed the structural differences between the HO3 and Althea wind-only coverage with the homeowner, including the items listed above, and they understand the gaps before bind.
Backstopped by HO sig on Set A doc #6 (wind-only scope notice)
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