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All other perils — deductible
AOP deductible is a flat $25,000 per occurrence on the CCHA Master Package. It is not a percentage of TIV and is not a sublimit. Form PRH-PROP-01.
Source document
CCHA Master Package — property form (sample excerpt)
Policy form excerpt · Recorded 2025-11-14 · pp. 12–15. Sample excerpt — not a live policy file.
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Wind / hail — percentage deductible
Wind and hail deductible is 2% of the location TIV at the time of loss, subject to a $25,000 minimum per location. The percentage applies to the damaged location, not the portfolio total. Form PRH-PROP-01 §Wind / hail.
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Named storm
No named-storm endorsement is on the recorded master. Inland Kentucky locations. This is a documentary basis, not a coverage opinion.
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Limits of liability
Property is written as a blanket occurrence limit equal to the recorded schedule TIV. That occurrence limit is not the same number as a sublimit. Cyber, if present, carries its own per-claim and aggregate sublimits.
PRH records the document. Licensed advisors and the policy still control.