What it does
FP 10 15 is filed by ISO and carriers as the farm program's Windstorm Or Hail Exclusion endorsement.
Who needs it
Used where wind or hail is uninsurable at standard rates, such as coastal farms or dilapidated structures, or where wind is insured through a state pool.
Quoting and selling notes
Identify the excluded property and arrange wind coverage elsewhere where available.
Before presenting it
Ask the carrier for the specimen and read it with the farm coverage form it modifies before explaining it to the insured.
How it fits the farm policy
A farm program endorsement changes only the coverage forms named in its "this endorsement modifies" list. Everything else in the Farm Coverage Part keeps working as written: the FP 00 90 additional coverages, conditions and definitions, the causes of loss selected from FP 10 60, and the farm liability forms. When presenting a quote, list each farm endorsement with its schedule entries (insured location, building or item, limit, deductible) so the insured can see exactly where the base coverage was broadened or narrowed.
