Common Endorsements Reference Guide

Jurisdiction: Nationwide (ISO Forms) Last Updated: August 2026 (form numbers verified) Form Edition Reference: ISO HO/DP Endorsements (2011 program with 2022 revisions; 2014 DP program)

Table of Contents

1. Understanding Endorsements
2. Coverage-Expanding Endorsements
3. Coverage-Restricting Endorsements
4. Limit-Modifying Endorsements
5. Specialized Coverage Endorsements
6. Catastrophe Endorsements
7. DP-Specific Endorsements
8. Endorsements by Coverage Issue
9. Claims Impact Analysis
10. Verification & Sources

1. Understanding Endorsements

What Are Endorsements?

Endorsements (also called "riders" or "forms") are documents that modify the base insurance policy. They can:

• Add coverage not in the base policy
• Remove or restrict coverage in the base policy
• Modify limits or deductibles
• Change policy conditions or definitions
• Add special provisions for unique situations

Endorsement Identification System

ISO endorsement numbers follow a standard format:

HO 04 95 03 22
│  │  │  │  │
│  │  │  │  └── Year (2022)
│  │  │  └── Month (March)
│  │  └── Endorsement number (95)
│  └── Series (04 = original Section I / general endorsement series)
└── Form line (HO = Homeowners)

Edition dates matter: the same number (e.g., HO 04 95) exists in 10 00, 05 11, and 03 22 editions, and the applicable edition varies by state. [Source: FC&S ISO Homeowners Forms List]

Series Codes

[Series assignments per FC&S ISO Homeowners Forms List; the 05 series is not a "liability" series as sometimes described.]

Reading Priority

When endorsement and base policy language conflict:

1. Later endorsement controls earlier endorsement
2. Endorsement controls base policy
3. Specific language controls general
4. Handwritten controls typed

2. Coverage-Expanding Endorsements

HO 04 61 - Scheduled Personal Property Endorsement

Purpose: Provides broader coverage and higher limits for valuable items

Companion form: HO 04 60 - Scheduled Personal Property Endorsement (With Agreed Value Loss Settlement) is the agreed-value version; HO 04 61 itself settles at the lesser of ACV, repair cost, replacement cost, or the scheduled amount. [Source: FC&S ISO Homeowners Forms List]

What It Does:

• Schedules specific items with stated amounts
• Provides open perils (all risk) coverage for scheduled items
• Eliminates deductible for scheduled items
• No special limits apply to scheduled items

Items Commonly Scheduled:

Schedule Format:

Class of Property | Article Description | Amount
Jewelry          | 2.5ct Diamond Ring  | $15,000
Fine Arts        | Oil Painting, Artist Name | $25,000

Coverage Differences from Base Policy:

[Base Coverage C theft sublimit per HO 00 03 10 00, Coverage C Special Limits of Liability, item e.]

Claims Impact:

• Scheduled amount is a cap under HO 04 61; agreed value (no depreciation dispute) only with HO 04 60
• Must prove loss occurred (not amount) under HO 04 60; ACV/replacement still at issue under HO 04 61
• Appraisals required at scheduling (and periodic updates)

HO 04 90 - Personal Property Replacement Cost Loss Settlement

Purpose: Upgrades personal property (Coverage C) from ACV to replacement cost

What It Does:

• Removes depreciation from contents claim settlement
• Requires actual replacement to recover full RCV
• Does not increase policy limits
• Maintains same perils coverage

How RCV Works on Contents:

LOSS SETTLEMENT PROCESS:
1. Determine replacement cost of item(s)
2. Pay ACV initially (RCV minus depreciation)
3. Pay recoverable depreciation when item replaced
4. Total payment = full replacement cost (up to limit)

Exclusions from RCV Coverage (still ACV):

• Antiques and fine arts (except as specifically scheduled)
• Memorabilia, souvenirs, collectors' items
• Items not maintained in good condition
• Items whose primary value is age

Example Calculation:

Item: 5-year-old sofa
Replacement cost: $2,000
Expected life: 10 years
Depreciation: 50% ($1,000)

Without HO 04 90: ACV = $1,000 (final payment)
With HO 04 90:
  - Initial payment: $1,000 (ACV)
  - After replacement: Additional $1,000 (recoverable depreciation)
  - Total: $2,000 (full RCV)

Claims Impact:

• Must actually replace items to recover full RCV
• 180-day notification typically required
• Keep receipts for replacement purchases
• Can replace with similar items (like kind and quality)

HO 04 95 - Limited Water Back-Up and Sump Discharge or Overflow Coverage

Purpose: Covers water damage from sewer/drain backup and sump pump failure

Form title note: The 10 00 edition is titled "Water Back-Up and Sump Discharge or Overflow"; the 05 11 and 03 22 editions are titled "Limited Water Back-Up and Sump Discharge or Overflow Coverage." The 2022 program added HO 06 95 - Broadened Water Back-Up and Sump Discharge or Overflow Coverage. [Source: FC&S ISO Homeowners Forms List]

What It Adds:

• Water that backs up through sewers or drains
• Water that overflows or is discharged from sump pump
• Covers damage from these sources (otherwise excluded under HO 00 03 Section I Exclusion "Water," item c) [Source: HO 00 03 10 00]

Typical Limits:

• $5,000, $10,000, $25,000, or higher
• Separate sublimit (not additional to Coverage A)
• Subject to policy deductible

Coverage Details:

Exclusion Remains:

• Flood, surface water still excluded
• If backup caused BY flood, may not be covered
• Some policies exclude backup DURING flood events

Claims Impact:

• Document source of water (sewer vs. surface)
• If both sewer backup AND flood, allocation may be required
• Limit is usually per occurrence

HO 04 77 - Ordinance or Law Increased Amount of Coverage

Purpose: Increases the base-form ordinance or law coverage for costs to comply with building codes when repairing damage

What the base form already provides:

HO 00 03 Additional Coverage 11, "Ordinance Or Law," lets the insured use up to 10% of the Coverage A limit for increased costs due to enforcement of any ordinance or law regulating construction, demolition, remodeling, renovation or repair of the damaged part of a covered building, and this is additional insurance. [Source: HO 00 03 10 00, Section I Additional Coverages, item 11] The Section I exclusion for ordinance or law applies to losses not covered by that additional coverage.

What HO 04 77 Adds:

• Raises the 10% to a higher percentage of Coverage A shown in the endorsement schedule (commonly 25%, 50%, 75% or 100%)
• Same scope as the base Additional Coverage: increased cost of repair/reconstruction to code, required demolition of undamaged portions, and rebuilding the undamaged portion to code
• (The three-part "Coverage A / B / C" structure belongs to the commercial property endorsement CP 04 05, not to the ISO homeowners form.)

Example:

Scenario: Fire damages 60% of older home; Coverage A $400,000

Without HO 04 77:
- Insurance pays to repair damaged 60%
- Code upgrades capped at 10% of Coverage A ($40,000)

With HO 04 77 at 50%:
- Code upgrades, required demolition and rebuild-to-code
  available up to 50% of Coverage A ($200,000)

Typical Limit: 10% of Coverage A in the base form; increased by HO 04 77 to the scheduled percentage

Claims Impact:

• Obtain building permits before repairs
• Get code official determination of requirements
• Document all code-required upgrades
• May significantly increase claim value

HO 05 24 - Special Personal Property Coverage

Purpose: Upgrades Coverage C from named perils to open perils

Form note: Issued in a version for HO 00 03 and a version for HO 00 04 only. [Source: FC&S ISO Homeowners Forms List]

What It Does:

• Makes Coverage C (contents) "open perils" like Coverage A
• Essentially converts HO-3 to HO-5 coverage for contents
• Removes burden of proving specific peril for contents claims

Effect on Coverage:

Additional Exclusions Added (for open perils contents):

• Breakage of fragile articles (unless by specified perils)
• Dampness/extreme temperature
• Refinishing/repairing damage
• Mechanical breakdown
• Rust, corrosion, inherent vice

Claims Impact:

• Burden shifts to insurer to prove exclusion
• Mysterious disappearance now covered
• Still subject to special limits on certain categories

HO 06 69 - Utility Line Expense Coverage (Service Line)

Purpose: Covers underground service lines from residence to utility connections

Form note: The ISO 2022 program form is HO 06 69 Utility Line Expense Coverage. Many carriers use proprietary "Service Line Coverage" endorsements with their own form numbers; "HO 06 50" is not the ISO form for this coverage (form number not verified). [Source: FC&S ISO Homeowners Forms List]

What It Covers:

• Water supply lines
• Sewer lines
• Electrical lines
• Natural gas lines
• Communications/data lines
• Steam pipes

Covered Causes:

• Wear and tear
• Rust/corrosion
• Mechanical breakdown
• Tree/root damage
• Pest damage
• Collapse

Typical Limits: $10,000 per occurrence

Exclusions:

• Lines owned by utility company
• Septic tanks and fields
• Lines under streets/sidewalks (public right of way)
• Normal maintenance

Claims Impact:

• Often involves excavation costs
• Restoration of landscaping covered
• May overlap with utility responsibility

3. Coverage-Restricting Endorsements

Limited Fungi, Wet or Dry Rot, or Bacteria Coverage

Forms: HO 04 26, HO 04 27, HO 04 28 - "Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage" (different versions for different base forms, e.g., HO 04 27 for use with HO 00 03 and HO 00 05). [Source: FC&S ISO Homeowners Forms List]

What They Do:

• The 2000 and later base forms already exclude "fungi," wet or dry rot, and bacteria except as provided by the Additional Coverage; these endorsements set the dollar sublimit for that limited coverage
• Coverage applies only when the fungi result from a covered Section I loss (e.g., a covered water discharge)
• May also provide a Section II sublimit

Standard Language (illustrative, paraphrased):

We do not cover loss caused directly or indirectly by:
Fungi, wet or dry rot, or bacteria.

Coverage for fungi resulting from a covered loss is limited
to the amount shown in the schedule.

Sublimit Versions:

• $5,000 to $50,000 sublimit for mold remediation (commonly $10,000)
• Only applies when mold results from otherwise covered water damage
• Limit applies to entire loss (not per occurrence) in most versions

Claims Impact:

• Review specific exclusion language carefully
• Determine if sublimit applies
• Document water damage source (must be covered peril)
• Mold from flood, maintenance, or humidity = not covered

HO 06 43 - Cosmetic Damage Exclusion - Windstorm or Hail

Companion form: HO 06 44 - Roof Surfacing Cosmetic Damage Exclusion - Windstorm or Hail (roof only). [Source: FC&S ISO Homeowners Forms List]

Purpose: Excludes cosmetic windstorm or hail damage to certain materials

What It Excludes:

• Dents, dimples, scratches from hail
• To metal roofs, gutters, siding, screens (HO 06 43) or roof surfacing only (HO 06 44)
• When damage is "cosmetic" only

Definition of Cosmetic (paraphrased):

"Cosmetic damage" means marring, pitting, or other superficial
damage that alters the appearance but does not prevent the item
from performing its intended function.

What Remains Covered:

• Functional damage (leaks, structural compromise)
• Perforation through material
• Damage affecting material integrity

Claims Impact:

• Inspection must determine functional vs. cosmetic
• Metal roofs: Dents may be cosmetic; punctures are functional
• Dispute potential high
• May require expert assessment

Animal Liability Exclusions

HO 24 77 - Canine Liability Exclusion (ISO); carrier-specific animal liability exclusions vary. [Source: FC&S ISO Homeowners Forms List]

Note: HO 04 96 is not an animal exclusion; it is "No Section II - Liability Coverages for Home Day Care Business / Limited Section I - Property Coverages for Home Day Care Business." [Source: FC&S ISO Homeowners Forms List]

Purpose: Excludes liability for specific dogs, breeds, or animals

Common Excluded Breeds (carrier practice, not ISO):

• Pit Bulls/American Staffordshire Terriers
• Rottweilers
• Doberman Pinschers
• German Shepherds (some policies)
• Wolf hybrids
• Any animal with prior bite history

Coverage Impact:

• No liability coverage for bites/attacks
• No defense coverage
• May exclude all animals if specific animal caused prior claim

Business Exclusion Clarifications

Enhanced Business Exclusions (carrier-specific; no single ISO form number)

Purpose: Clarifies/expands business property and liability exclusions

What It Does:

• Expands definition of "business"
• Reduces incidental business coverage
• Excludes home-based business property
• Clarifies business liability exclusion

Impact on Home-Based Businesses:

• Work-from-home equipment may not be covered
• Professional liability excluded
• Need separate business policy

4. Limit-Modifying Endorsements

Dwelling Under Construction

ISO forms: The homeowners program handles construction-phase risk through theft limitations rather than a standalone "Dwelling Under Construction" endorsement: HO 06 07 - Limited Theft - Coverage C - Dwelling Under Construction and HO 06 67 - Limited Theft - Coverage A and B - Dwelling Under Construction. The dwelling program has DP 11 43 - Dwelling Under Construction. [Source: FC&S ISO Homeowners Forms List; FC&S Dwelling Property Forms - Exclusions and Endorsements] (HO 04 20 is not a construction endorsement; see below.)

Adjustments:

• Coverage A increases as construction progresses (DP 11 43 provisional amount)
• Theft coverage limited while the dwelling is under construction
• Contractors may be added as additional insureds

HO 04 20 - Specified Additional Amount of Insurance for Coverage A - Dwelling (Extended Replacement Cost)

Related forms:

• HO 04 11 - Additional Limits of Liability for Coverages A, B, C and D (guaranteed-replacement-style; increases all Section I limits when Coverage A is inadequate) [Source: FC&S ISO Homeowners Forms List]
• "HO 04 28" is a Limited Fungi coverage form, not an extended replacement cost endorsement [Source: FC&S ISO Homeowners Forms List]

Purpose: Increases Coverage A beyond stated limit if needed

Typical Extensions:

• 125% of Coverage A limit (HO 04 20 at 25%)
• 150% of Coverage A limit (HO 04 20 at 50%)
• Guaranteed Replacement Cost (no cap) - HO 04 11 or carrier form

Requirements:

• Must insure to 100% of estimated replacement cost
• May require periodic valuations
• Premium adjustment based on percentage

Example:

Coverage A Limit: $400,000
Extension: 125%
Maximum Available: $500,000

If replacement cost is $480,000:
- Standard policy pays: $400,000
- With 125% extension: $480,000 (full replacement)

Claims Impact:

• Reduces underinsurance disputes
• Still requires insurable interest
• May have inflation adjustment built in

HO 04 46 - Inflation Guard

Form note: Inflation Guard is HO 04 46, not HO 04 11. [Source: FC&S ISO Homeowners Forms List]

Purpose: Automatically increases limits over policy period

How It Works:

• Annual percentage increase (4%-8% typical)
• Pro-rated daily/monthly
• Applies to Coverage A (and related coverages)

Example:

Initial Coverage A: $400,000
Inflation Guard: 6% annually
Month 6 of policy: $400,000 + 3% = $412,000
End of year: $400,000 + 6% = $424,000

Claims Impact:

• Limit at time of loss applies
• Reduces coinsurance/underinsurance issues
• Premium adjusts at renewal

Loss Assessment Coverage

HO 04 35 - Supplemental Loss Assessment Coverage [Source: FC&S ISO Homeowners Forms List; HO 04 35 05 11]

Purpose: Increases loss assessment coverage (available on all HO forms, most often used with HO-6)

Base Coverage: $1,000 Section I Additional Coverage (and $1,000 Section II Additional Coverage) in HO 00 03 and the other HO forms [Source: HO 00 03 10 00, Additional Coverage 7 and Section II Additional Coverage 4]

Endorsement Options: $5,000 to $50,000+

What It Covers:

• Assessments charged by HOA/condo association
• For damage to common areas
• Caused by covered peril
• For association deductible

Claims Impact:

• Must be assessment from covered peril
• Special assessments for maintenance not covered
• Document association master policy and assessment basis

5. Specialized Coverage Endorsements

HO 04 61 / HO 04 60 Class Coverage Details

Jewelry, Watches, Furs

Appraisal Requirements:

• Professional appraisal required
• Updated every 2-3 years
• Photos recommended
• Describes item in detail

Fine Arts

Coverage Features:

• Stated amount in schedule (agreed value under HO 04 60)
• Open perils (all risk)
• Breakage covered
• Transit coverage included
• May cover at any location

Exclusions:

• Wear and tear
• Gradual deterioration
• Inherent defects
• Restoration/repair damage
• Nuclear hazard, war

Special Considerations:

• May require climate-controlled storage
• Professional packing for moves
• Exhibition coverage available
• "Pair and set" special provisions

Firearms

[Base firearms and silverware theft sublimits are each $2,500 per HO 00 03 10 00, Special Limits of Liability items f and g.]

Home Business Endorsements

HO 04 42 - Permitted Incidental Occupancies - Residence Premises [Source: FC&S ISO Homeowners Forms List] ("HO 07 01" is not the incidental occupancy form.)

Purpose: Allows limited business activity at residence

What It Permits:

• Small home office
• Limited business property coverage
• Some business liability coverage

Limitations:

• Dollar limits on business property ($2,500 on premises in the base form; HO 04 12 Increased Limits on Business Property raises it)
• No manufacturing
• No employees at residence (typically)
• Professional liability still excluded

HO 07 01 - Home Business Insurance Coverage [Source: FC&S ISO Homeowners Forms List]

More comprehensive coverage for:

• Business personal property
• Business income/extra expense
• Business liability
• Accounts receivable
• Valuable papers (HO 07 56 / HO 07 57 increase or broaden)

("HO 07 40" does not appear in the ISO forms list - form number not verified.)

Identity Fraud Expense Coverage

HO 04 55 - Identity Fraud Expense Coverage [Source: FC&S ISO Homeowners Forms List] (HO 04 98 is "Refrigerated Property Coverage," not identity fraud.)

Purpose: Covers expenses related to identity theft

What It Covers:

• Costs to restore identity
• Legal fees (limited)
• Lost wages
• Loan re-application fees
• Notary fees
• Phone bills (for restoration calls)

Typical Limit: $15,000 to $25,000

What It Does NOT Cover:

• Actual financial losses from fraud
• Future credit monitoring
• Emotional distress

6. Catastrophe Endorsements

HO 04 54 - Earthquake Coverage

Purpose: Adds earthquake as covered peril

What It Covers:

• Earthquake
• Volcanic eruption
• Landslide caused by earthquake
• Aftershocks (same occurrence)

Deductible:

• Percentage of Coverage A (5%-25% typical)
• Higher in seismic zones
• Per occurrence

Example:

Coverage A: $500,000
Earthquake Deductible: 10%
Deductible Amount: $50,000

For $75,000 earthquake damage:
Payment = $75,000 - $50,000 = $25,000

Exclusions:

• Flood (even if caused by earthquake)
• Land movement not from earthquake
• Fire (covered under base policy)

Related: HO 04 36 - Loss Assessment Coverage for Earthquake. [Source: FC&S ISO Homeowners Forms List]

Windstorm, Hail and Hurricane Deductible Endorsements

ISO forms: HO 03 12 - Windstorm or Hail Percentage Deductible; HO 03 18 - Hurricane Deductible (filed in a limited set of states). [Source: FC&S ISO Homeowners Forms List] Many coastal states use state-specific or carrier forms.

Purpose: Applies separate, higher deductible for windstorm/hail or hurricane losses

Trigger (hurricane deductible): Hurricane warning or watch in effect, as defined in the endorsement or state law

Deductible Types:

• Percentage of Coverage A (1%-5% typical; HO 03 12 offers 1%, 2%, 5% and higher)
• Flat dollar amount
• May be per season or per occurrence

State Mandates:

• Florida, Texas coastal, Louisiana: Mandatory options
• Must offer non-hurricane deductible option

Claims Impact:

• Determine if hurricane deductible applies
• Calculate percentage vs. standard deductible
• May apply to wind only, not rain

Flood Exclusion Clarification

Purpose: Clarifies flood exclusion and informs of NFIP (carrier notice; no ISO endorsement number)

Standard Language:

Flood damage is excluded. Flood insurance may be available
through the National Flood Insurance Program (NFIP).
Contact your agent for information.

Key Points:

• Flood remains excluded
• Separate flood policy required
• NFIP or private flood options available

7. DP-Specific Endorsements

[DP form numbers and titles per FC&S, "Dwelling Property Forms - Exclusions and Endorsements" (2014 ISO dwelling program).]

Replacement Cost on DP Forms

Purpose: Dwelling and other structures on DP 00 02 and DP 00 03 are already settled at replacement cost in the base forms; DP 00 01 is ACV. There is no "DP 04 14 Replacement Cost" endorsement - DP 04 14 is "Additional Living Expense - Form DP 00 01 Only." (No ISO DP replacement-cost upgrade endorsement for DP 00 01 verified.)

Related loss-settlement forms:

• DP 05 30 - Functional Replacement Cost Loss Settlement (DP 00 02 / DP 00 03)
• DP 05 31 - Modified Functional Replacement Cost Loss Settlement

Requirements (for RC settlement under DP 00 02 / DP 00 03):

• Actually repair or replace
• 180-day notification
• Insure to 80% of replacement cost

DP 04 95 - Limited Water Back-Up and Sump Discharge or Overflow

Purpose: Same as HO 04 95 for dwelling policies (not "DP 04 42")

Coverage: Sewer backup, sump pump failure

Typical Limits: $5,000 to $25,000

DP 04 69 - Earthquake

Purpose: Adds earthquake coverage to DP forms (not "DP 04 47")

Similar to HO 04 54 with percentage deductible; same limit applies to all coverages; masonry exclusion may be deleted

DP 04 71 / DP 04 74 - Ordinance or Law Coverage

Purpose: Code upgrade coverage for DP policies (not "DP 04 55")

• DP 04 71 - Ordinance or Law Coverage - Increased Amount of Coverage (DP 00 02 and DP 00 03; the 2014 forms include 10% base coverage)
• DP 04 74 - Ordinance or Law Coverage (DP 00 01, which otherwise excludes ordinance or law)

DP 04 22 - Limited Fungi, Wet or Dry Rot, or Bacteria Coverage

Purpose: Limited fungi coverage for DP (not "DP 04 73," which is Limited Theft Coverage)

Provides sublimit for mold resulting from covered water damage

Other Common DP Endorsements

Vacancy/Occupancy Modifications

Purpose: Modifies vacancy provisions for rental properties (carrier-specific; no single ISO form number)

Options:

• Extend 60-day period
• Modify vacant/unoccupied definitions
• Renovation provisions

Important for:

• Between-tenant periods
• Seasonal rentals
• Properties being renovated

8. Endorsements by Coverage Issue

Water Damage Issues

Valuable Property

Building Coverage

Catastrophe Coverage

Condo/Unit-Owners

[HO 17 31 / HO 17 32 titles per FC&S ISO Homeowners Forms List; the two are frequently transposed in secondary sources.]

Liability

9. Claims Impact Analysis

Endorsement Checklist for Claims

When analyzing a claim, check for these common endorsements:

Water Damage Claims

• Water Back-Up (HO 04 95 / HO 06 95) - Sewer/sump issues
• Utility Line Expense (HO 06 69) or carrier service line form - Underground lines
• Limited Fungi Coverage (HO 04 26/27/28) - Fungi coverage and limits
• Ordinance/Law (HO 04 77) - Code upgrades

Wind/Hail Claims

• Windstorm/Hail or Hurricane Deductible (HO 03 12 / HO 03 18) - Separate percentage
• Cosmetic Damage Exclusion (HO 06 43 / HO 06 44) - Metal roof dents
• Roof Surfacing ACV / Limited Loss Settlement (HO 04 93 / HO 06 46) - Roof payment basis
• Ordinance/Law - Code upgrades after wind damage

Theft/Contents Claims

• Scheduled Personal Property (HO 04 61 / HO 04 60) - Valuable items
• Personal Property RCV (HO 04 90) - Replacement cost
• Special Personal Property (HO 05 24) - Open perils on contents
• Coverage C Increased Special Limits (HO 04 65) - Higher category sublimits

Fire Claims

• Ordinance/Law (HO 04 77) - Demolition, code upgrades
• Specified Additional Amount (HO 04 20) / Additional Limits (HO 04 11) - Limit increases
• Limited Fungi Coverage - Mold from firefighting water

Total Loss Claims

• Extended/Guaranteed Replacement Cost (HO 04 20 / HO 04 11)
• Ordinance/Law (base 10% plus HO 04 77 increase)
• Inflation Guard (HO 04 46) - Limit at time of loss
• Debris Removal limits

Common Endorsement Issues

Coverage Gaps to Identify

1. No Water Backup Coverage: Sewer backup damage not covered
2. Low Scheduled Property: Jewelry/valuables underinsured
3. No Ordinance/Law increase: Code upgrades capped at 10% of Coverage A
4. ACV Contents: Significant depreciation on older items
5. High Cat Deductible: Large out-of-pocket for hurricane/earthquake

Coverage Enhancements to Recognize

1. Guaranteed Replacement Cost: Full rebuild regardless of limit
2. Open Perils Contents: Better coverage for mysterious disappearance
3. Agreed Value Scheduling (HO 04 60): No depreciation disputes
4. High Water Backup Limits: Better sewer backup protection

Endorsement Coverage Summary Table

Appendix A: Quick Reference - Most Common Endorsements

Top 10 Coverage-Expanding Endorsements

1. HO 04 95 - Limited Water Back-Up and Sump Discharge or Overflow Coverage
2. HO 04 61 - Scheduled Personal Property Endorsement (HO 04 60 with agreed value)
3. HO 04 90 - Personal Property Replacement Cost Loss Settlement
4. HO 04 77 - Ordinance or Law Increased Amount of Coverage
5. HO 05 24 - Special Personal Property Coverage
6. HO 04 20 - Specified Additional Amount of Insurance for Coverage A (125%/150%)
7. HO 06 69 - Utility Line Expense Coverage
8. HO 04 54 - Earthquake Coverage
9. HO 04 35 - Supplemental Loss Assessment Coverage
10. HO 04 55 - Identity Fraud Expense Coverage

Top 5 Coverage-Restricting Endorsements

1. Limited Fungi Coverage (HO 04 26/27/28) - Limits mold coverage
2. Cosmetic Damage Exclusion (HO 06 43 / HO 06 44) - Hail dents excluded
3. Windstorm/Hail or Hurricane Deductible (HO 03 12 / HO 03 18) - Higher wind deductible
4. Canine Liability Exclusion (HO 24 77) - Specific dogs excluded
5. Business Exclusion Enhancement - Tightens business exclusion (carrier forms)

Appendix B: Endorsement Impact on Claim Values

Example: Water Damage Claim

Scenario: Pipe burst causes $50,000 damage, mold develops, code upgrades needed

Example: Theft Claim

Scenario: $25,000 in jewelry stolen from home

Example: Hurricane Claim

Scenario: $200,000 damage, $500,000 Coverage A

Verification & Sources

Form numbers, titles and base-form limits in this guide were checked in August 2026 against:

• FC&S (PropertyCasualty360), "ISO Homeowners Forms List" (June 5, 2024) - numerical list of ISO HO forms and endorsements with edition dates and state applicability: https://www.propertycasualty360.com/fcs/2024/06/05/iso-homeowners-forms-list-2/
• FC&S (PropertyCasualty360), "Dwelling Property Forms - Exclusions and Endorsements" (Aug. 12, 2024) - DP endorsement numbers for the 2014 dwelling program: https://www.propertycasualty360.com/fcs/2024/08/12/dwelling-property-forms-exclusions-and-endorsements/
• FC&S (PropertyCasualty360), "ISO Dwelling Program" (June 10, 2014): https://www.propertycasualty360.com/fcs/2014/06/10/iso-dwelling-program/
• ISO HO 00 03 10 00, Homeowners 3 - Special Form (public copy): https://home7.selectiveinsurance.com/FormsPDF/HO/HO0003.200010.PDF - Ordinance or Law Additional Coverage (10% of Coverage A), Coverage C Special Limits ($1,500 theft of jewelry/watches/furs; $2,500 theft of firearms; $2,500 theft of silverware), $1,000 Loss Assessment, water back-up exclusion
• ISO HO 00 03 04 91 (public copy, for historical comparison): https://www.safetyinsurance.com/pdf/homeowners3
• ISO HO 04 35 05 11, Supplemental Loss Assessment Coverage (public copy): https://home7.selectiveinsurance.com/FormsPDF/HO/HO0435.201105.PDF
• Insurance Xdate ISO form catalog (secondary cross-check only; contains errors, e.g., lists HO 05 24 as "Business Pursuits"): https://www.insurancexdate.com/insurance-forms/HO/

Items marked "(form number not verified)" did not appear in the FC&S forms lists and should be confirmed against the actual endorsement attached to the policy.

This guide references ISO endorsement forms as verified in August 2026. Individual carrier endorsements may vary in form number and language. Always review the actual endorsement attached to the policy.