Property insurance summary

Cedar Creek Housing Authority

Sample one-pager from the recorded book. Cedar Creek, KY. 13 locations · 1096 units · TIV $146.3M. Not a coverage opinion.

Sample demo

TIV, occurrence, and sublimits

Three different recorded numbers. Do not treat schedule TIV as an occurrence limit or a sublimit.

Insured TIV

$146.3M

Sum of location TIV on the schedule. A value — not an occurrence limit and not a sublimit.

Occurrence limits

Property — buildings: $146.3M blanket TIV · General liability: $1M / $2M · Umbrella / excess: $10M · Automobile: $1M CSL · 14 units

Per-occurrence (or equivalent) limits on in-force lines. Distinct from schedule TIV.

Sublimits

None recorded on this book

Narrower limits inside a line (per-claim / aggregate). Not the blanket TIV and not the AOP deductible.

Basis, minimum, property vs program, and the policy reference. Source opens the document page and section. Not a coverage opinion.

Deductible	Amount	Basis	Minimum	Applies to	Policy ref	Source
AOP	$25,000	Flat per occurrence — not a % of TIV	Flat $25,000 (no percentage)	CCHA Master Package — all ACC AMPs + support	CCHA Master Package · Form PRH-PROP-01	Master property form · p. 12
Wind-hail	2% of location TIV	Percent of the damaged location’s TIV at time of loss	$25,000 minimum per location	Each location on the master — not a portfolio-wide 2%	CCHA Master Package · Form PRH-PROP-01 §Wind / hail	Master property form · p. 14
Named storm	Not applicable — inland location (documentary basis: no named-storm endorsement on the recorded master).	No named-storm endorsement on the recorded master	Not recorded	CCHA Master Package	CCHA Master Package · Form PRH-PROP-01 §Named storm	Master property form · p. 15

Fee-based software. PRH does not place coverage, render coverage opinions, or act as your broker.