ALTHEA
Quote #ALT-2026-04217 · proceeding to bind
16573 Pine Valley Ct, Loxley AL 36551 · Alex & Mariana Hartley
$1,520/yr · 2% wind · effective Jun 5, 2026 Details ▾
Bind requirements · Step 1 of 2
Underlying HO3 attestation & coverage review
Upload the homeowner's underlying HO3 dec page, confirm the key fields match it, and walk the homeowner through what Althea's wind-only policy does and doesn't cover.
Dec page upload①
HO3 details
Fill out to match exactly to the uploaded dec page. We'll check each field for you below.
I confirm the attached HO3 dec page is current, in-force, and matches the carrier, policy number, dates, and coverage amounts above.②
Coverage seams to walk the homeowner through③
Althea wind sits on top of the HO3 — it covers wind/hail damage; the HO3 covers everything else. There are a few places where the two policies meet that the homeowner needs to understand before signing. Walk through each one.
Water damage — wind-driven rain vs flood / storm surge
Wind-driven rain entering through a wind-created opening is covered by Althea. Surface water, storm surge, and flood are not covered by either policy — the homeowner needs a separate flood policy (NFIP or private).
Named-storm vs all-wind coverage
If Althea's policy form covers only named storms, unnamed wind events (a derecho, isolated tornado) might fall in a gap if the HO3 also excludes all wind. Confirm the homeowner's HO3 wind exclusion language so they're not surprised.
Hail allocation
If the HO3 excludes "wind and hail" and Althea covers wind only, hail damage (or the hail portion of a combined storm loss) may fall in a gap. Worth flagging to the homeowner.
Ordinance & law (rebuilding to current code)
If a wind loss is severe enough that the home has to be rebuilt to current code, ordinance-&-law coverage handles the increased cost. Confirm which policy carries it and at what sublimit — the homeowner shouldn't assume the HO3 covers it.
Opening protection (shutters / impact glass)
If Althea's policy conditions coverage on protected openings, the homeowner needs to understand the obligation. A claim could be reduced or denied if windows weren't protected per the form.
Two deductibles on a combined loss
A storm that causes both wind damage and water damage triggers both Althea's wind deductible (2% of $700K = $14,000 here) and the HO3's all-other-perils deductible. Total out-of-pocket can stack.
I've reviewed each of these with the homeowner. They understand where Althea's wind-only coverage sits relative to their HO3.