5.2 Types Of Coverage Forms Copy

Texas Dwelling Policy / Standard Fire Policy

• TDP Form 1- Limited form
• TDP Form 2 – Broad form
• TDP Form 3 – All risk form

Texas Dwelling Policy: Form 1

PERILS INSURED AGAINST

The insurance company insures for direct physical loss to the covered property caused by a peril listed below unless the loss is excluded in the General Exclusions.

• Fire and Lightning.
• Sudden and Accidental Damage from Smoke.

This peril does not include loss caused by smog or by smoke from industrial or agricultural operations.

• Windstorm, Hurricane and Hail

Unless specifically insured on the Miscellaneous Property Schedule endorsement, this peril does not include:

• The loss to cloth awnings, greenhouses, and their contents, buildings, or structures located wholly or partially over water and their contents.
• The loss to radio and television towers, outside satellite dishes, masts, and antennas, including lead-in wiring, wind chargers, and windmills.
• Explosion.
• Aircraft and Vehicles.
• Vandalism and Malicious Mischief.

Texas Dwelling Policy: Form 2

PERILS INSURED AGAINST

The insurance company insures for direct physical loss to the covered property caused by a peril listed below unless the loss is excluded in the General Exclusions.

• Fire and Lightning
• Sudden and Accidental Damage from Smoke

This peril does not include loss caused by smog or by smoke from industrial or agricultural operations.

• Windstorm, Hurricane and Hail

Unless specifically insured on the Miscellaneous Property Schedule endorsement, this peril does not include:

• Loss to cloth awnings, greenhouses and their contents, buildings or structures located wholly or partially over water and their contents.
• Loss to radio and television towers, outside satellite dishes, masts and antennas, including lead-in wiring, wind chargers and windmills.
• Explosion
• Aircraft and Vehicles
• Riot and Civil Commotion
• Vandalism and Malicious Mischief
• Collapse of Building or any part of the building
• Accidental Discharge – Leakage or Overflow of Water or Steam from within a plumbing, heating or air conditioning system or household
• Freezing of plumbing, heating and air conditioning systems and household
• Breakage of Glass
• Falling Objects

The Texas Department of Insurance provides a glossary of frequently used terms that can be of great assistance to a new adjuster. The following link will take you to the TDI glossary.

http://www.tdi.state.tx.us/consumer/glossary.html

Texas Dwelling Policy: Form 3

PERILS INSURED AGAINST

COVERAGE A – DWELLING

The insurance company insures for direct physical loss to the covered property caused by a peril listed below unless the loss is excluded in the General Exclusions.

• Fire and Lightning
• Sudden and Accidental Damage from Smoke

This peril does not include loss caused by smog or by smoke from industrial or agricultural operations.

• Windstorm, Hurricane and Hail

Unless specifically insured on the Miscellaneous Property Schedule endorsement, this peril does not include:

• The loss to cloth awnings, greenhouses, and their contents, buildings, or structures located wholly or partially over water and their contents.
• The loss to radio and television towers, outside satellite dishes, masts, and antennas, including lead-in wiring, wind chargers, and windmills.
• Aircraft and
• Riot and Civil
• Vandalism and Malicious
• Collapse of Building or any part of the building.
• Accidental Discharge, Leakage or Overflow of Water or Steam from within a plumbing, heating or air conditioning system or household appliance.
• Freezing of plumbing, heating and air conditioning systems and household appliances.
• Breakage of Glass
• Falling Objects

COVERAGE B – PERSONAL PROPERTY

The insurance company insures for direct physical loss to the property described in Coverage B (Personal Property) caused by a peril listed below unless the loss is excluded in the General Exclusions.

• Fire and Lightning
• Sudden and Accidental Damage from Smoke
• Windstorm, Hurricane and Hail
• Explosion
• Aircraft and Vehicles
• Riot and Civil Commotion
• Vandalism and Malicious Mischief
• Collapse of Building or any part of the building
• Accidental Discharge, Leakage or Overflow of Water or Steam from within a plumbing, heating or air conditioning system or household appliance.
• Freezing of plumbing, heating and air conditioning systems and household appliances.
• Falling Objects