Althea
Insurance Company
Wind Only Policy Declaration
Renewal · Agency Copy
ALW-2026-48291
Named Insured & Address
Joe Weston
123 Live Oak Lane
Daphne, AL 36526
(251) 625-8951
Agency Name & Address
Baldwin County Insurance Group
412 Section Street, Ste. 2B
Fairhope, AL 36532
(251) 928-4470
Policy Details
Effective
05/01/2026
Expiration
05/01/2027
WOAL · HO Wind Only
Date issued: 04/15/2026
Insured Location
123 Live Oak Lane, Daphne, AL 36526
Const. Type
Frame
Year Built
2008
Flood Zone
X
Prot. Class
3
Wind Mitigation
FORTIFIED® Roof
Coverages — Section I
Coverage A — Dwelling
$525,000
Coverage B — Other Structures
$52,500
Coverage C — Personal Property
$50,000
Deductibles
Hurricane Wind
$10,500 (2%)
All Other Wind / Hail
$10,500 (2%)
Component Premium Savings
FORTIFIED® Roof construction
IBHS designation — wind-resistant construction standards
−$1,275
GAF Timberline UHDZ® shingle
Ultra High Definition, Class 4 impact rating
−$170
GAF WeatherWatch® Ice & Water Leak Barrier
Full-coverage underlayment application
−$105
Installation by Coastal Roofing Solutions
Althea Preferred partner — certified installation standard
−$90
Active maintenance program
Annual roof inspection & maintenance package
−$60
Total premium savings
−$1,700
Annual Premium
Base wind premium
$4,800
Premium savings applied
−$1,700
Annual wind premium
$3,100/ yr
THIS IS NOT A QUOTE. This declaration reflects a bound policy based on verified construction specifications, IBHS FORTIFIED® certification, and Althea underwriting standards. Premium credits are applied at binding and reflected in the annual wind premium shown above.
Coverage is subject to the terms and conditions of Policy Form ALW-WOAL-2024 and all attached endorsements. Component credits require annual certification renewal. Lapse in FORTIFIED® designation or maintenance program enrollment may result in premium adjustment at renewal.