Property
- Occupancy
- Family
- Construction
- Masonry / joisted masonry
- Year built
- 1979
- Flood zone
- X
- CAT
- Wind / hail
- Named insured
- Cedar Creek Housing Authority
- Manager
- CCHA (self-managed)
DevelopmentsPublic housing
HG · AMP-06
Hilltop Gardens
900 Hilltop Avenue, Cedar Creek, KY 42722
Traditional ACC · not converted
Units
128
Occupied
122 / 128
TIV
$16.4M
Properties
3
Insurance program
- Program
- CCHA Master Package
- Type
- Authority master
- Carrier
- Housing Authority Specialty / admitted package
- Term
- 2025-12-29 → 2026-12-29
- AOP deductible
- $25,000 AOP
- Wind-hail
- 2% of TIV
- Named storm
- Not applicable — inland location (documentary basis: no named-storm endorsement on the recorded master).
- Flood
- NFIP indicated for Brookside AE — not confirmed in force; no excess. Premium not recorded.
- GL / umbrella
- $1M / $2M · $10M
Deductibles — recorded precision
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 |
Source documents on this property
Uploaded and sample files attached to this development or a building. Open the document — not a coverage opinion.
No file is attached here yet. Open the Document Library to upload or classify one.
Buildings and parcels
3 properties on this AMP — COPE on each line.
| Property | Construction | Occupancy | Protection | Exposure | TIV |
|---|---|---|---|---|---|
Building A 900 Hilltop Avenue | Joisted masonry (ISO 2) 35,260 sf · 1979 · 2 sty Architectural shingle · Roof replaced 2018 | Family Garden-style family · 43 units | None Smoke Yes · Central No PPC 4 | Zone X Residential | $5.5M Bldg $4.7M Contents $328K LoR $437K |
Building B 900 Hilltop Avenue | Joisted masonry (ISO 2) 35,260 sf · 1980 · 2 sty Architectural shingle · Roof replaced 2019 | Family Garden-style family · 43 units | None Smoke Yes · Central No PPC 4 | Zone X Residential | $5.5M Bldg $4.7M Contents $328K LoR $437K |
Building C 900 Hilltop Avenue | Joisted masonry (ISO 2) 34,440 sf · 1981 · 2 sty Architectural shingle · Roof replaced 2020 | Family Garden-style family · 42 units | None Smoke Yes · Central No PPC 4 | Zone X Residential | $5.5M Bldg $4.7M Contents $328K LoR $437K |
Coverage on this program
Property — buildings
Replacement-cost statements on 1962–1974 AMPs last refreshed in 2025.
$146.3M blanket TIV
$25K AOP · 2% wind / hail
$428,000 · $.29 / $100 TIV
General liability
Habitational form. No separate project CGL — there are no converted LPs.
$1M / $2M
$0
$38,000 · $35 / unit
Umbrella / excess
Single umbrella over the master package.
$10M
Follows primary
$41,000 · 0.41% of limit
Automobile
Maintenance and administration units. No third-party management fleet.
$1M CSL · 14 units
$1,000 comp / collision
$32,000 · $2,286 / vehicle
Workers compensation
Maintenance, administration, and site staff on one policy.
Statutory
None
$46,000 · $3.71 / $100 payroll
Crime / fidelity
Employee theft and premises. HUD-typical fidelity limit.
$500,000
$5,000
$4,200 · $4,200
Public officials / D&O
Authority-only. No LP directors.
$2M
$10,000
$9,800 · $9,800
Cyber liability
Quiet file. No incident in the sample years. Cyber sits on the authority program. Tenant, HCV, and PIC data run through authority systems.
$1M
$25,000
$7,600 · $7,600
NFIP
NFIP indicated for Brookside AE. Not confirmed in force. Premium not recorded. No excess flood.
NFIP building maximum — Brookside AE
NFIP form
Conversion observation
Family garden-style. On the master. Values refreshed in 2025.
Not subject to an investor exhibit or permanent-lender closing package. Conditions that matter here are replacement cost, flood determinations, CAT deductibles on the master, and ordinance or law on a total loss.
- Public housing · 11
- Support · 2