Privacy Policy

1. Definitions

As used in this Policy and all associated forms, endorsements, schedules, riders, and declarations, the following definitions apply unless expressly modified:

1.1

"Company" means the insurer authorized to transact property and casualty insurance in the State of Florida pursuant to Chapter 624, Florida Statutes, and issuing this Policy.

1.2

"Insured" or "Policyholder" means the named insured and any additional insureds as identified in the Declarations.

1.3

"Policy" means the insurance contract comprising these Terms & Conditions, the Declarations Page, all applicable Coverage Forms, Endorsements, and Riders, and any documentation incorporated by reference.

1.4

"Loss" means direct physical loss, damage, or financial harm arising from a covered peril, as defined within the specific Coverage Form.

1.5

"Premium" means the consideration paid or payable by the Insured for coverage.

1.6

"Declarations Page" means the schedule issued by the Company specifying coverage limits, deductibles, forms, endorsements, named insureds, and policy period.

1.7

"Policy Period" means the period of coverage stated in the Declarations, subject to earlier cancellation or termination as permitted by law.

1.8

"Covered Property," "Covered Auto," "Covered Liability," or similar terms shall have the meaning prescribed within the applicable Coverage Form.

2. Insuring Agreement

Subject to all terms, conditions, exclusions, and limitations herein, the Company agrees to indemnify the Insured for covered Loss occurring during the Policy Period and within the applicable coverage territory. No coverage shall exist unless expressly granted.

The Company's obligations are conditioned upon the Insured's full compliance with all Policy provisions.

3. Exclusions From Coverage

Except where expressly modified by endorsement or required by Florida law, this Policy does not provide coverage for Loss arising directly or indirectly from:

3.1

Intentional, fraudulent, or criminal acts of any insured.

3.2

Gradual deterioration, wear and tear, corrosion, rot, or inherent vice.

3.3

Fungus, mold, rot, or bacteria except as mandated by §627.70132, Fla. Stat., or where specifically endorsed.

3.4

Ordinance or law requirements, except as provided by endorsement or permitted under §627.7011(1)(a), Fla. Stat.

3.5

Flood, surface water, tidal surge, or water backup unless specifically endorsed.

3.6

Nuclear hazards, war, insurrection, or governmental seizure.

3.7

Losses occurring while the property is vacant beyond the period permitted by the Policy.

3.8

Business or commercial use of residential property unless expressly included.

3.9

Any peril expressly excluded under the applicable Coverage Form.

4. Limits of Liability

4.1

The Company's liability shall not exceed the Limit of Insurance stated in the Declarations for each applicable coverage.

4.2

Sub-limits, special limits, and aggregate limits apply as expressly identified in the Policy documents.

4.3

Deductibles, coinsurance, and depreciation (where applicable) shall be applied in accordance with §627.7011, Fla. Stat., and Policy terms.

5. Premiums; Payment; Adjustment

5.1

Premiums shall be due and payable as indicated on the billing schedule or Declarations.

5.2

The Company may adjust premiums in accordance with underwriting guidelines filed with the Florida Office of Insurance Regulation (OIR).

5.3

Failure to remit premium may result in cancellation pursuant to §627.728 and §627.7281, Fla. Stat.

6. Duties of the Insured

In the event of actual or potential Loss, the Insured shall:

6.1

Provide prompt notice to the Company as required under §627.70132, Fla. Stat.

6.2

Protect the property from further damage and maintain reasonable records of expenses.

6.3

Furnish documentation, statements, and cooperation as reasonably required by the Company.

6.4

Submit to examination under oath (EUO) when lawfully requested.

6.5

Provide a sworn Proof of Loss within the period required by the Policy and Florida law.

Failure to adhere to these obligations may result in denial or limitation of coverage.

7. Claims Adjustment and Settlement

7.1

The Company shall investigate and adjust claims in good faith and consistent with §626.9541, Fla. Stat., and related regulations.

7.2

Claim payments shall be issued in accordance with §627.70131, Fla. Stat.

7.3

If coverage is disputed, the parties may invoke mediation pursuant to §627.7015, Fla. Stat.

7.4

When required by law or policy, appraisal may be invoked by either party.

8. Fraud, Misrepresentation, and Concealment

In accordance with §627.409, Fla. Stat., the Policy may be voided if the Insured:

• Misrepresents or conceals material facts
• Intentionally submits a fraudulent or inflated claim
• Engages in deceptive conduct in connection with underwriting or claims

Criminal penalties may apply under Florida law.

9. Cancellation and Nonrenewal

10. Policy Changes and Endorsements

10.1

This Policy may be amended only through written endorsements approved by the Company.

10.2

No agent or representative may alter the Policy unless authorized in writing.

10.3

Premiums, terms, and coverage may be modified upon renewal or mid-term where permitted by law and subject to OIR approval.

11. Subrogation

11.1

Upon payment for any covered Loss, the Company is subrogated to the Insured's rights against any third party responsible for such Loss.

11.2

The Insured shall do nothing to impair such rights and shall cooperate fully with the Company.

12. Assignment

12.1

Assignment of this Policy or any claim requires the Company's written consent except as provided by §627.7152, Fla. Stat. ("Assignment of Benefits").

12.2

Any assignment not compliant with Florida statutory requirements shall be void.

13. Applicable Law and Jurisdiction

13.1

This Policy shall be governed by and construed according to the laws of the State of Florida.

13.2

Any legal action against the Company shall be brought exclusively in a court of competent jurisdiction in the State of Florida, unless federal jurisdiction applies.

14. Severability

If any term or provision is found unlawful or unenforceable, the remaining provisions shall remain in full force and effect.

15. Entire Contract

This Policy constitutes the complete and entire agreement between the parties and supersedes any prior oral or written statements, representations, or agreements not expressly included.

16. Privacy and Data Usage

The Company shall collect, use, retain, and disclose personal information in compliance with Florida law and its filed Privacy Notice. Information may be used for underwriting, servicing, loss mitigation, claims handling, legal compliance, and fraud prevention.

17. Privacy of Text and Calls

Your mobile number and consent to receive text will not be shared with any third party or affiliate.

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Stonewall Underwriters Insurance INC. This includes SMS messages for Marketing and Insurance sales and/or underwriting. Message frequency varies. Message and data rates may apply. See privacy policy at https://stonewalluwins.com. Message HELP for help. Reply STOP to any message to opt out.