Truth is, hurricanes can be devastating natural events, causing significant destruction. It makes perfect sense to insure your home and belongings against such a catastrophe. There are limits, however, to what your Hurricane Deductible Endorsement covers, and it’s important to understand them.

We appreciate the fact that you’ve placed your trust with American Family Insurance for your insurance needs. Take the time to review your coverage as stated on your policy to make sure you are adequately protected. If you have any questions or concerns about your coverage or the information covered in this brochure, your American Family Insurance agent will be happy to assist you.

This brochure is for informational purposes only and does not afford any coverage. Please read your policy, including all endorsements, and

review your declarations page for complete information about your coverage. If there is any conflict between the

policy and this brochure, the provisions of the policy will prevail.

American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783

amfam.com

29292– 6/08

© 2008

Thinking AheadWhat your Hurricane Deductible

Endorsement covers—and its limits.

Personal Lines

Building photos courtesy of USGS and John Nakata, Sight & Sound Productions.

Truth is,hurricanes can be devastating natural events, causing significant destruction. It makes perfect sense to insure your home and belongings against such a catastrophe. There are limits, however, to what your Hurricane Deductible Endorsement covers, and it’s important to understand them.

We appreciate the fact that you’ve placed your trust with American Family Insurance for your insurance needs. Take the time to review your coverage as stated on your policy to make sure you are adequately protected. If you have any questions or concerns about your coverage or the information covered in this brochure, your American Family Insurance agent will be happy to assist you.

This brochure is for informational purposes only and does not afford any coverage. Please read your policy, including all endorsements, and

review your declarations page for complete information about your coverage. If there is any conflict between the

policy and this brochure, the provisions of the policy will prevail.

American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783

amfam.com

29292–6/08

© 2008

Thinking AheadWhat your Hurricane Deductible

Endorsement covers—and its limits.

Personal Lines

Building photos courtesy of USGS and John Nakata, Sight & Sound Productions.

In addition to providing you with helpful safety tips, this brochure explains our Hurricane Deductible Endorsement and what expenses you may be responsible for if a hurricane damages your dwelling, detached structures or personal property.

American Family provides coverage to your property for damage caused by a hurricane but, like other insurers, does not cover every type of loss. It is important you understand what is covered and what is not.

Hurricane coverage: What is coveredAs long as your policy stays in force, we insure you against direct physical loss caused by a hurricane. A hurricane is classified as a windstorm. The following items are covered from wind damage that results from a hurricane (subject to policy limits):

•Dwellingormobile/manufacturedhome

•Garageorotherdwellingextensionormobile/manufacturedhomeextension(i.e.,detachedstructures)

•Fence,driveway,sidewalkandotherpermanentlyinstalledyardfixtures

•Permanentlyinstalledfixturesandappliances

•Constructionmaterialforuseinyourhome

•Personalproperty

Special deductible informationA special deductible applies to your policy for hurricane coverage. This deductible is different from the policy deductible that applies to other perils covered by your policy. The special deductible amount is determined by multiplying the hurricane deductible percentage listed on yourdeclarationspagebyyourCoverageA–DwellinglimitsorCoverageA–ManufacturedHomelimits.

Hurricane Deductible Endorsement: When it appliesThe special deductible applies to your policy from the momenttheNationalHurricaneCenteroftheNationalWeather Service issues a hurricane warning for any part of your state. It continues for the time period during which the hurricaneconditionsexistanywhereinyourstateandends24 hours following the termination of the last hurricane warningforanypartofyourstate.TheNationalHurricaneCenterdesignatesatropicalweathersystemtobeahurricane when sustained winds reach 74 miles per hour.

Flood informationFloods can occur ahead of, during or after a hurricane. Hurricanescanproduceaparticulartypeoffloodingcalledastorm surge, which is water that is pushed toward the shore

by the force of the winds, and can combine with the normal high tides to create a hurricane storm tide. The Hurricane Deductible Endorsement and your property policy do not cover losses resulting directly or indirectly from floods of any nature, storm surges or waves of any type. Thisfloodexclusionapplieswhetherthe flood loss is caused by natural, man-made or animal forces.

We do offer separate flood coverage through American Family Brokerage, Inc. for properties within communities that participateintheNationalFloodInsuranceProgram(NFIP).NotallcommunitiesparticipateintheNFIP.However,floodinsurancemay be still be available even if you do not live in a participating community.PleasecontactyourAmericanFamilyInsuranceagent for more information.

Otherconditionsandexclusionstohurricanecoveragemayapply, so take the time to review your coverage and ensure you are adequately protected.

Hurricane damage preventionWhen a hurricane strikes it can quickly cause a lot of damage. Extremewindscancauseseveralkindsofdamagetoabuilding,threateningyouandyourfamily’ssafety.Duringhighwinds,windspeed fluctuates and may change direction, placing pressure on all parts of the building structure. These wind pressures may cause building components to fail.

Also, when wind speeds are high, pieces of debris can become airborne missiles and cause injuries.

It’s been shown that by maintaining a sealed envelope—keeping the outside wind from getting into your home—you may be able to minimize damage to your home and reduce the potential for injury.

Structural changes to home:

Uplift Resistance

•Addanchorboltswithheavygauge,squareboltwashers to connect the floor construction to the foundation.

•PlywoodorOSB(orientedstandboard)canconnectthe wall and floor components if properly nailed and installed.

•Metalconnectorsattachrooftrussesorrafterstothewalls.

Roofing

•Sheathingshouldbeproperlysizedandnailedtocomply with applicable building codes.

•Applyasecondarymoisturebarrier,suchasmodifiedbitumen(asphalt cement), over the seams where the roof decking meets or apply a product that covers the entire roof.

•Roofingproductswithhighwindresistanceareavailable.Discusswithyourcontractorwhichmeasureswillbetaken to ensure that the installation of your roof will be completed with high winds in mind. Insist they use hot-dipped, galvanized nails instead of staples to attach asphalt shingles.

Windows

•Professionallyproducedstormshuttersorshuttersmadefrom¼" thick polycarbonate sheeting offer a high level of protection from flying debris.

• Ifmakingyourownshutters,takethetimetopre-installthe

anchorage hardware and prepare your shutter materials before a storm threatens.

•A¾"thickpieceofplywoodprovidesclosetothesameprotection as a ¼" thick polycarbonate shutter.

• Ifyouarereplacingexistingwindowsorbuildinganewhome, consider installing impact-resistant products.

• Ifyouliveinacommunitywithtileroofs,youshouldconsider shutter products that are up to code in your area.

Entry doors

•Solidwoodorhollowmetaldoorsaremorelikelytoresistwind pressure and flying debris.

•Youcanalsoincreasetheresistanceofentrydoorsby:

– Makingsureyourdoorshaveatleastthreehingesand a dead bolt security lock with a minimum bolt throw of at least one inch.

– Avoidinstallingdouble-entrydoors,butifyoudo, install head and foot bolts on the inactive door of double-entry doors.

– Sincedouble-entrydoorsfailwhensurfacebolts break at the header trim or threshold, check connections at both places. The surface bolt should extendthroughthedoorheaderandthroughthethreshold into the subfloor.

Garage doors

•Garagedoorsareespeciallyvulnerabletodamageduringhigh winds, double-wide doors more than single doors, unless your doors are properly braced.

– Ifbuildinganewhome,considerinstallinghorizontallybraced, single-wide garage doors instead of double overheaddoors.Considerdoorslabeledasimpactresistant or design pressure rated.

– Forexistinghomes,checkwithyourgaragedoormanufacturer or a home improvement store for availability of retrofit bracing kits.

– Garagedoorpanels,especiallyfordouble-widedoors,may require both horizontal and vertical bracing to ensure stability.

Mobile/Manufactured Homes

•Whilemobile/manufacturedhomescanbeattractivealternatives to traditional homes, they are also more vulnerable to damage from high winds as a result of nonpermanent foundations. In addition, tie-downs could rust, weaken, wear out or break, leaving the home and your family susceptible to damage or injury.

•Tie-downssecuretheframe,nottheentirehouse.Thehome’s foundation-to-wall or wall-to-roof connections may be compromised in the wind. Failure in either of these areas could result in a complete loss of the home. Remember,acommunitystormshelterorothersecurestructure is always a better alternative to protect your family from harm during a hurricane.

Hurricanes can quickly cause considerable damage over a wide area. American Family wants to help you protect your family and property against this natural disaster.

ThesetipswereprovidedbybothAmericanFamilyLossControlandtheInstituteforBusiness&HomeSafety.

*This deductible is determined from your choice of available options.** The dollar amount under the percentage deductible will increase or decrease as your coverage limit changes

by way of annual inflation adjustments or changes you make in your coverage limit. You will be responsible for at least $250 for any one covered loss under each separate coverage (Dwelling, Dwelling Extension and Personal Property), regardless of the respective coverage limit.

The chart below is only an example. You can view your coverage limits by contacting your agent or visiting amfam.com and entering your username and password in the “My Account” section.

Total Loss Example

How to Determine Your Special Deductible Amount

Totals

$100,000 Coverage A – Dwelling or Mobile/ Manufactured Home

x .01 (1% Hurricane Deductible*)

$1,000 Deductible** (amount you are responsible for)

$100,000 Maximum Covered Hurricane Damage–$1,000 Deductible

$99,000 Amount Payable

Total Deductible = $1,000 Total Amount Payable = $99,000

Truth is, hurricanes can be devastating natural events, causing significant destruction. It makes perfect sense to insure your home and belongings against such a catastrophe. There are limits, however, to what your Hurricane Deductible Endorsement covers, and it’s important to understand them.

We appreciate the fact that you’ve placed your trust with American Family Insurance for your insurance needs. Take the time to review your coverage as stated on your policy to make sure you are adequately protected. If you have any questions or concerns about your coverage or the information covered in this brochure, your American Family Insurance agent will be happy to assist you.

This brochure is for informational purposes only and does not afford any coverage. Please read your policy, including all endorsements, and

review your declarations page for complete information about your coverage. If there is any conflict between the

policy and this brochure, the provisions of the policy will prevail.

American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783

amfam.com

29292– 6/08

© 2008

Thinking AheadWhat your Hurricane Deductible

Endorsement covers—and its limits.

Personal Lines

Building photos courtesy of USGS and John Nakata, Sight & Sound Productions.