STATE FARM CERTIFICATION - CLAIMS
ADJUSTER
Special45Limits45of45Liability45for45
1.45money45-45answer--$20045for45money45or45coins
whats45covered45under45dwelling45-45answer--1.structures45attached45to45dwelling
2.materials/
supplies45on45or45adjacent45to45residence45premises45for45construction45use45or45alterati
on45of45the45premises.45
3.foundation,45footings,45floor45slabs45supporting45dwelling
-wall45to45wall45carpeting
other45structures45separated45by45clear45space45are....45such45as45-45answer--covered.45
Structures45connected45to45the45dwelling45by45only
a45fence,45utility45line,45or45similar45connection45are45considered
to45be45other45structures.
We45do45not45cover45other45structures:45-45answer--
1.not45permanently45attached45to45or45otherwise45forming45a
part45of45the45realty;
2.used45in45whole45or45in45part45for45business45purposes;45or
3.rented45or45held45for45rental45to45a45person45not45a45tenant45of
the45dwelling,45unless45used45solely45as45a45private45garage.
land,45costs45to45replace/stabilize45or45store45lands45are45____45covered45-45answer--
not
Cov45A
1.At45your45request,45we
will45cover45personal45property45owned45by45others45while____45
2.we45will45also45cover45personal45property45owned45by45a45guest45or45a
, residence45employee,45while_____45-45answer--the
property45is45on45the45part45of45the45residence45premises45occupied45exclusively45by45a
n45insured.
2.the45property45is45in45any45other
residence45occupied45by45an45insured.
Cov45B
We45cover45personal45property45usually45situated45at45an45in-
sured's45residence,45other45than45the45residence45premises,
for45up45to45___or45____of45the45Coverage45____45limit,45whichever45is45greater.45-
45answer--$1,00045or4510%,45B45limit.
Additional45Living45Expense45is45for45up45to45(time)45-45answer--for45up45to4524
months.45Our45payment45is45limited45to45incurred45costs45for45the
shortest45of:45(a)45the45time45required45to45repair45or45replace45the
premises;45(b)45the45time45required45for45your45household45to
settle45elsewhere;45or45(c)452445months.
Fair45Rental45Value.45up45to45-45answer--1245months
Prohibited45Use45coverage45-45answer--Insured,45we45will45cover
any45resulting45Additional45Living45Expense45and45Fair45Rental45for45a45period45not45exc
eeding45two45weeks
while45use45is45prohibited.
Debris45Removal45terms45-45answer--
When45the45amount45payable45for45the45property45damage45plus
the45debris45removal45exceeds45the45limit45for45the45damaged
property,45an45additional455%45of45that45limit45is45available45for
debris45removal45expense.45This45additional45amount45of45insur-
ance45does45not45apply45to45Additional45Coverage,45item453.
Trees,45Shrubs45and45Other45Plants.
We45will45also45pay45up45to45$50045in45the45aggregate45for45each45loss
to45cover45the45reasonable45expenses45you45incur45in45the45re-
moval45of45tree45debris45from45the45residence45premises45when
the45tree45has45caused45a45Loss45Insured45to45Coverage45A
property.
Trees,45Shrubs45and45Other45Plants45are45covered45under45-45answer--Fire45or
lightning,45Explosion,45Riot45or45civil45commotion,45Aircraft,
Vehicles45(not45owned45or45operated45by45a45resident45of45the
residence45premises),45Vandalism45or45malicious45mischief
or45Theft.
The45limit45for45this45coverage,45including45the45removal45of
ADJUSTER
Special45Limits45of45Liability45for45
1.45money45-45answer--$20045for45money45or45coins
whats45covered45under45dwelling45-45answer--1.structures45attached45to45dwelling
2.materials/
supplies45on45or45adjacent45to45residence45premises45for45construction45use45or45alterati
on45of45the45premises.45
3.foundation,45footings,45floor45slabs45supporting45dwelling
-wall45to45wall45carpeting
other45structures45separated45by45clear45space45are....45such45as45-45answer--covered.45
Structures45connected45to45the45dwelling45by45only
a45fence,45utility45line,45or45similar45connection45are45considered
to45be45other45structures.
We45do45not45cover45other45structures:45-45answer--
1.not45permanently45attached45to45or45otherwise45forming45a
part45of45the45realty;
2.used45in45whole45or45in45part45for45business45purposes;45or
3.rented45or45held45for45rental45to45a45person45not45a45tenant45of
the45dwelling,45unless45used45solely45as45a45private45garage.
land,45costs45to45replace/stabilize45or45store45lands45are45____45covered45-45answer--
not
Cov45A
1.At45your45request,45we
will45cover45personal45property45owned45by45others45while____45
2.we45will45also45cover45personal45property45owned45by45a45guest45or45a
, residence45employee,45while_____45-45answer--the
property45is45on45the45part45of45the45residence45premises45occupied45exclusively45by45a
n45insured.
2.the45property45is45in45any45other
residence45occupied45by45an45insured.
Cov45B
We45cover45personal45property45usually45situated45at45an45in-
sured's45residence,45other45than45the45residence45premises,
for45up45to45___or45____of45the45Coverage45____45limit,45whichever45is45greater.45-
45answer--$1,00045or4510%,45B45limit.
Additional45Living45Expense45is45for45up45to45(time)45-45answer--for45up45to4524
months.45Our45payment45is45limited45to45incurred45costs45for45the
shortest45of:45(a)45the45time45required45to45repair45or45replace45the
premises;45(b)45the45time45required45for45your45household45to
settle45elsewhere;45or45(c)452445months.
Fair45Rental45Value.45up45to45-45answer--1245months
Prohibited45Use45coverage45-45answer--Insured,45we45will45cover
any45resulting45Additional45Living45Expense45and45Fair45Rental45for45a45period45not45exc
eeding45two45weeks
while45use45is45prohibited.
Debris45Removal45terms45-45answer--
When45the45amount45payable45for45the45property45damage45plus
the45debris45removal45exceeds45the45limit45for45the45damaged
property,45an45additional455%45of45that45limit45is45available45for
debris45removal45expense.45This45additional45amount45of45insur-
ance45does45not45apply45to45Additional45Coverage,45item453.
Trees,45Shrubs45and45Other45Plants.
We45will45also45pay45up45to45$50045in45the45aggregate45for45each45loss
to45cover45the45reasonable45expenses45you45incur45in45the45re-
moval45of45tree45debris45from45the45residence45premises45when
the45tree45has45caused45a45Loss45Insured45to45Coverage45A
property.
Trees,45Shrubs45and45Other45Plants45are45covered45under45-45answer--Fire45or
lightning,45Explosion,45Riot45or45civil45commotion,45Aircraft,
Vehicles45(not45owned45or45operated45by45a45resident45of45the
residence45premises),45Vandalism45or45malicious45mischief
or45Theft.
The45limit45for45this45coverage,45including45the45removal45of
