An Openly policy can be customized with specific exclusions depending on regional risks and state-specific underwriting guidelines. When the windstorm and hail exclusion is selected, standard coverage for these weather perils is removed from the policy. If a loss occurs while this exclusion is active on a policy, coverage will not apply to any direct physical loss or property damage caused by windstorm or hail events.
- Hurricanes and tropical systems
- Rain (when associated with a wind event)
- Tornadoes
- Wind and wind gusts
State Availability & Guidelines
The availability of this exclusion varies by state and territory, depending on regional underwriting rules.
- Portal Visibility: The option to select this exclusion is strictly dependent on eligibility. If the coverage option is not visible within the portal, it is unavailable for that specific risk.
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Verification: Agents can check eligibility criteria and verify binding options directly within the Openly Portal during the quoting process.
Underwriting (UW) Active States
The windstorm and hail exclusion is actively utilized by underwriting for specific high-risk or coastal zones in the following states:
- Alabama
- Georgia
- Mississippi
- South Carolina
Note: Underwriting guidelines and territory boundaries are subject to change. Always verify the most current state eligibility rules within the portal.
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