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TABLE OF CONTENTS

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I. GENERAL PURPOSE (INTRODUCTION)

1. Address and Telephone Numbers

II. ELIGIBILITY

1. Eligible Applicant
2. Ineligible Applicant
3. Eligible Property
4. Ineligible Property

III. UNDERWRITING STANDARDS

IV. POLICY PROVISIONS

1. Coverage(s) Provided
2. Policy Forms
3. Deductibles
4. Coinsurance
5. Policy Term
6. Other Insurance
7. Excess Insurance

V. MAXIMUM LIMITS OF LIABILITY

1. Habitational Occupancy Classes
2. All Other Occupancy Classes

VI. HOW TO APPLY

VII. IMMEDIATE COVERAGE

1. Policy
2. Effective Date
3. Acknowledgment Letter

VIII. INSPECTIONS

1. Request for Inspection
2. Inspection Procedure
3. Reinspections
4. Incomplete Inspections (Lockouts)
5. Declinations
6. Condition Charges
   1. Table 1 Class Rated Properties
   2. Table 2 Schedule Rated Properties
   3. Instruction Pamphlets
7. Condition Corrections

IX. PAYMENT OF PREMIUMS

1. Notice of Premium Due
2. Additional Premiums
3. Minimum Policy Writing Premium
4. Return Premiums
5. Waiver of Additional or Return Premiums
6. Commissions
7. Dishonored Checks from the Insured

X. POLICY WRITING

XI. REQUEST FOR ENDORSEMENT

1. Change of Producer
2. Change of Location
3. Assignment of Interest
4. Addition or Change of Lienholder
5. Increase in Coverage
6. Decrease in Coverage

XII. CANCELLATION

1. Cancellation at Insured's Request
2. Cancellation initiated by the FAIR Plan
3. Mortgagee's Notice of Cancellation
4. Premium Finance Company Request

XIII. EXPIRING COVERAGE

1. Offer to Renew
2. Policy Order Form
3. Renewal Premium Notification
4. Declination - Non-Renewal Notice
5. Final Notice of Expiration
6. Mortgagee Renewal Notification

XIV. APPEALS

XV. RATING ASSOCIATION RULES

1. Determination of Policy Rates

XVI. CLAIMS PROCEDURE

1. Reporting
   1. Emergency/Rush
2. Assignment Authority
3. Payment of Claims

XVII. AUTHORITY OF AGENTS AND BROKERS (PRODUCERS)

XVIII. PUBLIC RELATIONS

1. Speakers
2. Pamphlets