ALTHEA
Harbor Insurance Agency
·
Richard ▾
Quote #ALT-2026-04217 · proceeding to bind
16573 Pine Valley Ct, Loxley AL 36551 · Alex & Mariana Hartley
$1,520/yr · Standard tier · effective Jun 5, 2026 Details ▾
Bind · Step 1 of 3
Underlying HO3 attestation & coverage review
Upload the homeowner's underlying HO3 dec page. We use the carrier, policy number, dates, named insureds, and Cov A to pre-fill the next step.
Dec page upload
HO3 details
Confirm these match the uploaded dec page. We'll validate each below.
Coverage seams to walk the homeowner through
Althea wind sits on top of the HO3 — it covers wind/hail; the HO3 covers everything else. Walk the homeowner through where the two policies meet before they sign.
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.
Named-storm vs all-wind coverage
Named Storm deductible applies when NHC issues a watch/warning for the location. All Other Wind/Hail covers tornadoes, straight-line winds, and convective events at a separate (usually lower) deductible.
Ordinance & law (rebuilding to current code)
Selected at 25% of Cov A ($168,750). Handles the increased cost to rebuild to current code after a covered wind loss.
Two deductibles on a combined loss
A storm causing both wind and water damage triggers Althea's wind deductible AND the HO3's all-other-perils deductible. Total out-of-pocket can stack.
I confirm the attached HO3 dec page is current, in-force, and matches the details above — and I've reviewed each coverage seam with the homeowner so they understand where Althea's wind-only coverage sits relative to their HO3.