Hurricane & Windstorm Property Insurance Contingency Addendum
Universal hurricane and windstorm contingency clause template. Addresses wind deductibles, storm surge zones, evacuation routes, and wind mitigation inspection requirements.
HURRICANE & WINDSTORM PROPERTY INSURANCE CONTINGENCY ADDENDUM
PURPOSE
This template specifically addresses hurricane and windstorm risk, including surge zone maps, wind mitigation inspections, percentage-based hurricane deductibles, and state wind pool (residual market) insurance requirements.
Key protections
- Focused hurricane risk due diligence period
- Insurance premium cap with earnest money protection
- Hazard zone reclassification contingency
- Seller disclosure obligations for prior hurricane-related damage
What's inside
- 1Purpose and Scope
- 2Hazard-Specific Due Diligence Period
- 3Insurance Premium Contingency
- 4Hazard Zone Reclassification Contingency
- 5Limitations and Disclaimers
- 6Execution
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Frequently asked questions
Educational template only
This template is provided for educational and drafting purposes. It is not legal advice. Always have a licensed real estate attorney in your jurisdiction review and customize any contract language before using it in a transaction.
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