change in value of damaged property directly due to the loss; c. What is amendatory endorsement on State Farm? DEFINITIONS Newly Acquired Car is changed to read: If a newly acquired car is not otherwise afforded comprehensive coverage or collision coverage by this or any other policy, then this policy will provide Comprehensive Coverage or Collision Coverage for that newly acquired car,. number date title state ml474 aais 2. Unless you’re Nostradamus, it’s impossible to predict what the exact cost will be to replace your home in the future. Endorsements typically add protection for circumstances in which a typical policy excludes or limits coverage. you have not previously received a credit or payment under the ClaimSatisfaction Guarantee Premium Credit provision in connection with that covered loss;Maine. below. Paragraph Q. PART 7. Page 1 of 5 -- PLEASE READ THIS CAREFULLY -- AMENDATORY ENDORSEMENT . Cancellation is deleted and replaced by. The Policy also included an Amendatory Endorsement providing that an “[u]ninsured [m]otor [v]ehicle does not include a land motor vehicle ․ designed for use primarily off public roads except while on public roads. Except for the changes it makes, all other terms of the policy remain the same and apply to this endorsement. FIN416. Rule 55 currently contains a note at the end that. «Amendatory» Meaning of amendatory in the English dictionary with examples of use. the policy. 2. State Farm Companies, subject to their applicable eligibili-ty rules; or . Contact Godfrey State Farm Agent Eric Schrumpf at (618) 433-9091 for life, home, car insurance and more. The changes are based on the movement of an inflation index and are reflected in the premium on each renewal. Ct. 0 amendatory endorsement - pennsylvania pa cl5999 aais 08. When I look at a State Farm policy, there is a page that has Forms, Options, and Endorsements and right below it, it shows. Such claims will generally be paid by the insurer in two parts. Learn more about the State Farm mobile app. cost to repair damaged property; orState. " According to a claim superintendent, State Farm issued the policy to LaRoque in June 1988 with Amendatory Endorsement 6025J, effective July 7, 1988. 22 amendatory endorsement - oregon ml0138 aais 11. 3. Such other products or services must be pro-vided by the . The termination of your coverage will be effective whether or not you have been paid the refund. Endorsements. The listing is by form number and title. So, just like you protect your own home with the right insurance coverage, you want to do the same for your rental. 1 by ensuring that Williams is covered up to the $20,000 statutory limit required by Iowa law. C. You may be eligible for 24/7 roadside assistance coverage. the premium or price for other products or services purchased by . W. The Sub -Adviser agrees that the name “State Farm,” which comprises a component of the Trust ’s name, is a property. you, including noninsurance pro- d. This definition also excepts automobiles maintained in dead storage on the farm premises. on To be attached to and form part of Policy Number: Issued to: By: TEXAS AMENDATORY ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. Effective date of this endorsement: If this endorsement is issued as part of the Policy on the Effective Date shown in the Declarations Page, then the countersignature on the Declarations Page also applies to this endorsement. Subject Considered: Revision of Texas Standard Provision For Automobile Policies Editions of April 1, 1955 and October 1, 1966 -- Amendatory Endorsement - Notice. b. As a reminder, we will continue to include $1,000 of coverage on legally owned marijuana under Farm policies when Amendatory Endorsement M2902F applies. and . 3. 9970. An endorsement/rider can be issued at the time of purchase, mid-term or at renewal time. Endorsements remain in force until your policy ends. This mandatory endorsement must be attached to all Texas policies. PERSONAL AUTO . To illustrate, if you have an ISO CGL policy and one of the endorsements added by the insurer has a form number of the structure “CG 21 ## MM YY,” the “21” category of CGL endorsements tells you that this form excludes something because the “21” category is “Exclusion Endorsements. State Farm Compa-nies. . FL 04 06 is similar to FL 04 29 except that the latter endorsement deals with farm premises, and FL 04 06 pertains to residences. 1989) (finding that, where an insurance policy broadly defined motor vehicle, a moped was a motor vehicle despite that the state's “financial responsibility law” excluded mopeds from its definition of motor vehicle, reasoning that an insurer may offer “broader coverage. (State Farm). The only other changes are editorial, and they make Rules 55 and 71 consistent with each other, as well as making the endorsements and policy forms more consistent with each other. AAIS This endorsement changes UM 0428 07 13 the policy Page 1 of 3 -- PLEASE READ THIS CAREFULLY -- AMENDATORY ENDORSEMENT INDIANA 1. Section VI. 6128cp amendatory endorsement. Amendatory endorsements may also be added by the insurance company (at no extra cost) to clarify policy terms and language. 1 A state amendatory typically is an endorsement that conforms the policy to minimum requirements set forth in state law. “State Farm Companies” means one or more of the following: a. A defect is a reason why an application for the registration of an interest in land cannot be registered, as determined by an Examiner of Title. It’s a great choice for small- to medium-sized businesses, such as hair salons, florists, landlords, photographers and more. By its terms, the definition of “contamination” in the Louisiana Amendatory Endorsement does not apply to claims arising in Washington. Co. Except for the changes it makes, all other terms of the poicy remain the l same and apply to this endorsement. The definition of “Your Covered Auto” is replaced with the following: “Your Covered Auto” means: 1. It's a form that becomes part of your insurance policy, altering your policy coverage. Under Definitions, the definition of "fungus", if included in the coverage form, is deleted and replaced by the following. Endorsement MT FARM RANCH FE-5259. A . ”. 1. This endorsement does not include liability coverage. The meaning of AMENDATORY is corrective. Limit or delete coverage of a policy. PART 7. However, definitions added in this endorsement do not appear in bold print in yourpolicy. CLASS E: Any non-commercial motor vehicles with Gross Vehicle Weight Rating (GVWR) less than 26,001 pounds, including passenger cars, 15 passenger vans including the driver, trucks or recreational vehicles and two or three wheel motor vehicles 50 cc or less, such as mopeds or small scooters. State Farm Companies; (2) the purchase of products or services from an organiza-tion that has entered into an agreement or contract with the State Farm Companies. Remediation includes any testing to detect, measure or evaluate mold, fungi or other microbes and any decontamination of the residence premises or property. Co. 1:08-cv-129264). 6128CP AMENDATORY ENDORSEMENT. State Farm, Bloomington, IL. Eleven years. C. Jones v. ENDORSEMENT Issued to: Policy Number: Endorsement number: (applicable when the endorsement is not issued with the Policy or takes effect after the effective date of the Policy) OHIO AMENDATORY ENDORSEMENT You and We agree: 1. App. FLORIDA AMENDATORY ENDORSEMENT In compliance with the insurance regulations of the State of Florida, the Policy is amended as follows. State Farm Group – 2018 Market Share: 19. A standard replacement cost policy would pay out $300,000, but you’d have to pay $100,000 of your own money to build the house the way it was before the disaster. This endorsement modifies insurance provided under the following: 1. It can also provide liability coverage if someone hurts themselves at your home or you cause property damage. state separately the actual cash value, replacement cost, and if applicable, the market value of each item in dispute. For example, any changes made to the basic policy the commercial insurance carrier files with the state regulators is done by using endorsements. The changes are based on the movement of an inflation index and are reflected in the premium on each renewal. All other terms and conditions of this Policy remain unchanged. (April 2020) This listing identifies the forms and endorsements available to modify ISO's Farm Policies. Except for the changes this endorsement makes, all other provisions of the policy remain the same and apply to this endorsement. en amendatory. Download a Contents Inventory Aid in the form of your choice, either Excel or PDF. The following new endorsements have been introduced for use in North Carolina: • NC 03 33 06 21 Trust Endorsement - This endorsement provides coverage for vehicles held in trust. 6925RA AMENDATORY ENDORSEMENT (Recreational Vehicle) This endorsement is a part of the policy. State Farm. Along with standard coverage options like comprehensive , collision, and uninsured/underinsured motorist coverage, most insurance companies offer coverage endorsements that allow you. This endorsement can be purchased in addition to your basic automobile coverages. We would like to show you a description here but the site won’t allow us. AMENDATORY ENDORSEMENT -TEXAS . 59%. It helps protect the personal property and physical structure of the home. v. State Farm Group – 2018 Market Share: 17. Federal flood insurance coverage. It's a form that becomes part of your insurance policy, altering your policy coverage. the Farm Liability Coverage Form as Coverage M, as described and limited in 1. State Farm Mutual Auto Insurance Company. , 604 S. COUNTRY Financial can help you with the proper protection. , Civil No. 1. " According to a claim superintendent, State Farm issued the policy to LaRoque in June 1988 with Amendatory Endorsement 6025J, effective July 7, 1988. Insured. for: a. HO 06 52 Home-Sharing Host Activities Amendatory Endorsement. If. your policy consists of this declarations page, the policy booklet – form 9825a, and any endorsements that apply, including those issued to you with any subsequent renewal notice. Amendatory Endorsement Minnesota: View ML-451 WFL 0085: Amendatory Endorsement Wisconsin (Farm Fire) View WFL 0085: GL 0035. STATE FARM FIRE AND CASUALTY COMPANY P. The definitions below for Farm Personal Property, and Motor vehicle, replace. Review the Motion for Discovery in State Farm Mutual Automobile Insurance Company v. Company: State Farm Fire and Casualty Company – Open to New Business Homeowners’ Policy Forms. For the purposes of this definition, vacant land does not include: (1) farm land; (2) land containing a residence; or (3) land containing fences, corrals, boat docks, tool sheds, barns, grain bins, and similar structures, unless they are used solely for the personal use of the insured; or i. NF-AOB Assignment of Benefits Form. For more information, visit State Farm Fire and Casualty Company's website or call 800-782-8332. and that Exclusion 2. This endorsement will not apply to your policy for any policy periods effective June 1, 2017 or after. the ownership, maintenance, or use of: (1)The expanded eligibility standard for personal auto coverage for certain utility vehicles is 25,000 pounds or less. means: 1. The purpose of an endorsement is to enhance your base policy — whether it’s your home, car or something else. (Super. Make sure you’re. This endorsement is a part of the Policy and takes effect on the effective date indicated below. Shall mean a person licensed as a motor vehicle damage appraiser under N. Find a local rep. The following definitions are added: 1. State Farm Rideshare Driver Coverage is the same as the 6015 TNC endorsement. Estes is explicitly excluded from the definition of resident relative because he was one of the named insureds in the policies. For decades, mold has been a highly contentious issue in the home insurance industry. is deleted and. GENERAL. Environmental impairment liability (EIL) insurance on commercial buildings—including coverage for fungus and full spectrum bacteria contamination—has seen rate decreases of 80 percent. Learn about types of car insurance coverage including collision, comprehensive, liability and more. The CA 01 - Amendatory Endorsements are as follows:. Item 3. the most recently issued Declarations Page; b. the ClaimSatisfaction Guarantee Amendatory Endorsement applied to your policy on the date of that covered loss; 4. . ”. In light of the foregoing, the district court did not err in dismissing HT’s statutory and common law bad-faith claims, which are all premised on the assertionThis endorsement changes. It can provide coverage to motorcycles, golf carts, travel trailers and other similar type vehicles. S. D. The definition of "newly acquired auto" is amended as follows: "Newly acquired auto" means any of the following types of vehicles you bcome. Richardson, TX. Texas drivers must have at least: Bodily injury liability: $30,000 per person / $60,000 per accident. An insurance endorsement, also known as an insurance rider, is a legally binding change to an insurance policy. Amendatory Endorsement. Likes: 42. Wesser argues the loss-payable endorsement is ambiguous. However, if you live in a mold-prone state where there is a lot of rain, this coverage can be expensive or nearly impossible to obtain,” Ragsdale. 2. Coverage for buildings and property involved in commercial agriculture was previously limited to wineries but has now been expanded to include commercial farming and ranching. The definition of "newly acquired auto" is amended as follows: "Newly acquired auto" means any of the following types of vehicles you bcome. STATE CORPORATION COMMISSION BUREAU OF INSURANCE AT RICHMOND, AUGUST 19, 2002. The perils covered by an HO-7 may be different than those covered by a standard HO-2. The TNC industry is rapidly changing the livery/taxi. H899 07/92 FRO6050792 AMEND DEFINITION OF RESIDENCE PREMISES TX (B) H895 07/92. PLEASE READ IT CAREFULLY. The policy forms and endorsements displayed on this page are the most current available to the Missouri Department of Insurance, Financial Institutions & Professional Registration (DIFP). PART 5. NF-AOB Assignment of Benefits Form. The declaration page stated the policy was subject to Amendatory Endorsement 6128AP. Inflation. You may not live there, but the rental property you own is a big investment. Water backup can usually be endorsed for. Small businesses also can purchase a similar amendatory endorsement to their businessowners insurance policy. `The State Farm Companies `do not warrant `the mer-`chantability, `fitness, `or `quality of any product or `service otfered or provided `bythat organization; or `(3) an agreement, concerning `the insurance provided by `this policy, `thal `the State `Farm Companies has with `an organization of which `you are a member, em-Section 3, Coverage H-Scheduled Farm Equipment and Section 3, Coverage K-Borrowed, Rented or Leased Farm Equipment insured under Peril Code 01. State Farm disagrees, contending that,after Poehler, State Farm “amended its policy to expressly address when interest begins to accruon a loss. $1 Million per claim / $1 Million annual aggregate. Sinônimos e antônimos de amendatory e tradução de amendatory a 25 línguas. This coverage automatically increases the amount of condominium unitowners insurance coverage on your building property and personal property as inflation changes the cost of replacing your property. We truly appreciate and value your partnering with us for your insurance needs. 1. State Farm Payment Plan and Auto bills: Locate your current bill's 10-digit key code in the bottom portion of page 1, in the "Please fold and tear here" section, and under "Call your Agent. 6925a amendatory endorsement. However, definitions added in this endorsement do not appear in bold print in yourpolicy. is deleted and. Between the late 1990s and early 2000s, the insurance industry changed the wording of home insurance policies to exclude mold coverage in response to increased mold damage claims associated with homeowners insurance water damage claims. AMENDATORY ENDORSEMENT PERSONAL AUTO The policy is amended only as described below. Under Definitions, if applicable, the definition of “ pollutants” is deleted and replaced by the. Start online, find a local insurance agent or call us at 866-COUNTRY ( 866-268-6879 ). All other terms, conditions, and exclusions remain unchanged. State Farm is introducing a new coverage endorsement in several states to help fill insurance gaps for its policyholders who use their personal cars to provide rides for a Transportation Network Company (TNC), like Uber and Lyft. Rides can be arranged in advance or on short notice. Adding an endorsement to your existing insurance contract usually means adding or modifying coverage. indienoise, May 1, 2015. (9) is added: (9) Seepage, meaning a gradual, continuous, or repeated seepage or leakage of water,. GENERAL CONDITIONS A. You might add an endorsement to your auto insurance policy to cover an aftermarket part, for example. The reference to words that have special meaning is deleted and replaced by the following: Refer to Definitions for words and. Policyholders and Injured Parties. No. HO-2249 Amendatory Endorsement. at p. Co. number date title state----- sample declarations. 01 amendatory endorsement - premium due date (advisory) ak , al , ar ,. The coverage limit is typically set at or near the replacement cost of the home. IRA Distribution Request. State Farm Companies. State Farm Companies, subject to their applicable eligibili-ty rules; or . It's essential for borrowers to sign the FHA amendatory clause before signing the purchase contract. We'll help you find car insurance that works for you. On the other hand, restrictions, such as. In Johnson v. b. For instance, if you choose to purchase an optional coverage to broaden your insurance protection, it may be called an endorsement. has with an organization of which . This should be a red flag to the agent or. State Farm Companies. mandatory. 2013) Court Description: ORDER denying 24 motion to dismiss. ml0488 aais 07. Under Definitions, the following definition is added: "Business day" means a day other than Saturday, Sunday, or a. The average cost of home insurance with State Farm is $1,887 per year for a policy with $300,000 in dwelling coverage. 2020), the insured appealed the trial court's grant of summary judgment in favor of State Farm, upholding an owned-vehicle UM exclusion clause in two automobile insurance policies covering vehicles not involved in the accident. The official name for a ride-sharing business is a Transportation Network Company (TNC). any endorsements that apply, including those listed on that Declarations Page as Why you need insurance for your personal articles. FLORIDA . Loss to covered property caused directly by Windstorm and Hail is covered by State Farm Property Insurance Policies, but can be subject to a separate deductible endorsement. The Hicks ruling did not sway this insurer, and as such we filed a complaint for breach of contract and sought a declaratory judgment on the policy. definition. The endorsement said that the definition of a "non-owned car" was changed to read "a car not owned by or registered or leased in State Farm Compa-nies. Insuring Agreement a. State Farm STATE FARM GENERAL INSURANCE COMPANY A STOCK COMPANY WITH HOME OFFICES IN BLOOMINGTON, ILLINOIS 75085-3925 Named Insured RENEWAL DECLARATIONS Policy Number 90-WE-4396-9 Effective Date Ex iration Date Policy Period Jih 9 2021 JUL 9 2020 12 Months The policy period beŸins and ends at. GENERAL CONDITIONS, K. c. App. Read on to find out what a cosmetic damage exclusion for wind and hail is and how it works. If you expand your coverage, you are likely to see higher rates. by email at cruppel@mdinsurance. 1 What is an amendatory endorsement State Farm? 2 What are amendatory endorsements? 3 What are 3 different types of endorsements? 4 What is. The Amendatory Clause and Real Estate Certification require signatures from all involved parties, including buyers, sellers, listing agents, and selling agents. 2 Coverage varies by state. This includes, but is not limited to, any drug or controlled substance statute or regulation. How to use amendatory in a sentence. First, State Farm satisfied section 627. Co. This endorsement is a part of the policy. LIABILITY COVERAGE Additional. Could be a roof schedule, could state what they take depreciation on. law comprehensive legal database for any state court documents. Earth Movement Exclusion Clarification. Additionally, it also has life, health. They give you control of your coverage so you can customize the policy to your needs. Water backup is an endorsement on your homeowners insurance policy that covers damages caused by water backing up into your home. Tradutor . They’re typically used to customize or enhance coverage to better suit a policyholder’s specific needs. Part 5. 1. Most renters insurance policies set an overall claim limit for jewelry and furs of. The . In some cases, uninsured motorist coverage for damage to. 2. Consider insuring your home for at least 100% of estimated replacement cost. com. If your roof is over 15 years old, the reduction might be as high as 75% for a five-year-old roof. FE-2341 AMENDATORY ENDORSEMENT — RENTERS POLICY DECLARATIONS CONTINUED The following is added: When you request changes to this policy, or the infor-mation or factors used to calculate the premium for this policy changes during the policy period, we may adjust the premium in accordance with the change during theThis type of endorsement increases your premium to add protection for your golf cart. 2 Loss of Income & Extra Expense CMP-4260. The following changes to your policy are effective on your first renewal on or after 12/1/2023. Such other products or services must be pro-vided by the . State Farm Mut. ho-170, and amendments to the texas personal lines manual rules to modify coverage for mold and other fungi; and amendments to the texas statistical plan for residential risks the commissioner of insurance adopts: (1) new. An endorsement is sometimes called a rider or a floater. The owner of the contract is called "you". is amended. Homeowners insurance is not only desired, but in many cases, required by your. DEFINITIONS . Likes: 3. American Family Mutual Insurance, 1 recently upheld that the Minnesota Amendatory Homeowners Endorsement (“Endorsement”) excludes “matching. For example, any changes made to the basic policy the insurance carrier files with the state regulators is done by using endorsements. Personal articles coverage may offer broader coverage than your existing homeowners policy, helping ensure you can repair or replace those items you value (and even those. requires all carriers to file by June 1, 2005, an amendatory endorsement that limits all exclusions for compulsory liability coverages that are not expressly or implicitly. Under Common Policy Conditions, Cancellation is deleted and replaced by the following: Cancellation. 1 of 6128AC Amendatory. 1. Small businesses also can purchase a similar amendatory endorsement to their businessowners insurance policy. (applicable when the endorsement is not issued with the Policy or takes effect after the effective date of the Policy) WEST VIRGINIA AMENDATORY ENDORSEMENT 1. ca 99 15 12-93 governmental bodies amendatory endt ca 99 28 10-13 stated amount insurance. State Farm Fire and Casualty Company is a subsidiary of State Farm Mutual Automobile Insurance Company. The declaration page stated the policy was subject to Amendatory Endorsement 6128AP. In its pleadings, State Farm stated that it had denied coverage for Kent’s injuries based on the “mechanical device” exclusion in the commercial vehicle endorsement (Endorsement 6018GG. When it comes to car insurance, you’ve got plenty of coverage options. 56-5019: Landlords Protector Package Policy. Their dec page has an endorsement FE-5715, does anyone know what this endorsement is? I've been trying to figure out whether their umbrella extends their UM/UIM coverage at all. us or by letter to the Maryland Insurance Administration, 525 St. AMENDATORY ENDORSEMENT -TEXAS . 6128DV. Except for the changes this endorsement makes, all other. com. 14(3)(a). GENERAL CONDITIONS, I. The coverage provided is excess over any other insurance and applies only if the covered auto is within 25 miles of the United States border and for trips lasting less than 10 days. State Farm Mutual Automobile Insurance Company and State Farm Fire and Casualty Company recently received approval from the Florida Office of Insurance Regulation (“OIR”) for its form filings as listed below. AT YOUR REQUEST, A VEHICLE TO WHICH THIS ENDORSEMENT APPLIES DOES NOT QUALIFY AS A YOUR CARIN THE COVERAGES REPRESENTED BY THE COVERAGE SYMBOLS LISTED FOLLOWING. I noticed that under endorsements it says "EXCESS COVERAGE FOR PERSONAL VEHICLE SHARING" and dove a little deeper into the paperwork. 413(1)(g) because the Policy specified the form numbers and edition dates or numeric codes of all endorsements to the Policy, including the Endorsement at issue here, which was clearly labeled as the “6126LS Amendatory Endorsement” and dated as the 2012 edition. md. For decades, mold has been a highly contentious issue in the home insurance industry. The policy booklet states: THIS POLICY 1. and that 15 – OPINION AND ORDER Exclusion 2. Non-Commercial Driver Licenses. This endorsement modifies insurance provided under the following:. Form RRG/PG PC1 required for all purchasing groups. Covers main house damage. Your deductible is the amount you pay out of pocket before your insurance kicks in to help pay for a covered claim. Endorsements and riders allow you to fine tune your coverage by either adding, eliminating or modifying the coverage on your policy. 183 Section 2. Under CONDITIONS-SECTION 1 THROUGH 6, 6. If the two appraisers fail to agree upon the amount of the loss within 30 days, unless the period. the premium or price for other products or services purchased by . C. ”. This language, while not required by statute, was clear and unambiguous. $0. (a) For purposes of this section, "insurer" means an insurance company, reciprocal or interinsurance exchange, mutual insurance company, capital stock company, county mutual insurance company, Lloyd's plan, or other legal entity authorized to write personal automobile. Only the policy forms and amendatory endorsements that an insurance company requires its policyholders to have are available on this page. I must be going about something in the wrong way, or else I'm encountering a string of shockingly inept State Farm staff. An insurance endorsement is an amendment to a property and casualty insurance policy. 1. Imagine you’re in an accident. 1. ML- 73. Definição de amendatory no dicionário inglês com exemplos de uso. Because Wesser’s loss became. (Doc. But not every insurance endorsement is the same. An endorsement may affect insurance premiums, and premiums may change as a result. It is not a pricey endorsement to add to your policy—typically between $50 and $250 per year. Insurance companies frequently make changes to their policies. value of damaged property; b. HO 32 45, Home-sharing Host Activities Amendatory Endorsement ± North Carolina (For Use With HO 00 04 ) 4. Land owned by or rented to an "insured" on which a one, two, three or four family dwelling is being built as a residence for an "insured"; g. CL 0160 02 16. S. Open Split View. Your initial policy may cover standard damages, like replacing your roof. Please read it carefully. While both types of coverage help with the costs of rebuilding your home or replacing damaged items after a covered loss, actual cash value policies are based on the items' depreciated value while. Between the late 1990s and early 2000s, the insurance industry changed the wording of home insurance policies to exclude mold coverage in response to increased mold damage claims associated with homeowners insurance water damage claims. b. Get a free quote now. gov%PDF-1. e. Estes is explicitly excluded from the definition of resident relative because he was one of the named insureds in the policies. 2. 2022, the FAIR Plan will begin offering coverage for farm buildings and business personal property. AAIS This endorsement changes IM 2037 10 12 the policy Page 1 of 3 -- PLEASE READ THIS CAREFULLY -- AMENDATORY ENDORSEMENT LOUISIANA 1. 1) to the policy. D. The company I work for has an endorsement which states depreciation would be taken on material, labor, tax, etc where the base policy would only take it on material. e. 4 creditor – state farm bank, po box 5961, madison wi 53705-0961. C. Maine Amend Endorsement: Dog Breed/ Underwriting: State Farm Companies State Farm Fire and Casualty Company: HW-2119. Please read it carefully.