Availability of Property Coverage in Maryland

STATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION 525 St. Paul Place, Baltimore, Maryland 21202-2272 To: Property and Casualty Insurers Writing Property Coverage Re: Availability of Property Coverage in Maryland – 2003 Coastal Survey and Data Request Date: November 14, 2003 Bulletin: Property and Casualty 03-15 ***************************************************************************** Pursuant to §19-112 of the Insurance Article, the Maryland Insurance Administration (“MIA”) hereby requests each property and casualty insurer writing property coverage in Maryland to provide data related to homeowners insurance policies and certain commercial lines insurance policies for selected zip codes in coastal jurisdictions. This information is necessary for the MIA to study the availability of property coverage in coastal Maryland. Please provide the following information: 1. The minimum distance to the shoreline that makes a risk eligible for coverage. For: • Homeowners HO 2/HO 3 or similar policy • Renters HO 4 or similar policy • Condominium HO 6 or similar policy • Commercial Property – Any policy that provides coverage for commercial real property and/or commercial personal property including commercial multi-peril, businessowners or other similar policies that provide property coverage for commercial properties, hotels, apartment buildings, condominiums, etc. ROBERT L. EHRLICH, JR. GOVERNOR MICHAEL S. STEELE LIEUTENANT GOVERNOR ALFRED W. REDMER, JR. COMMISSIONER JAMES V. MCMAHAN, III DEPUTY COMMISSIONER P. RANDI JOHNSON ASSOCIATE COMMISSIONER P&C Property and Casualty Bulletin 03-15 Page 2 2. Any mandatory windstorm deductibles in either a minimum dollar amount or a percentage amount. 3. Policy Counts as of: • January 1, 2001 • January 1, 2002 • October 1, 2003 The requested distance to shoreline underwriting restrictions, windstorm deductible data, and policy count data should be provided in the excel spreadsheet formats shown on the enclosed “2003 Coastal Survey Format”. Enclosed is a sample worksheet to be used as a guide. Please submit your data in the requested excel format via email. Electronic submission is mandatory. No paper documents will be accepted. Data should be submitted to: marnold@mdinsurance.state.md.us or cruppel@mdinsurance.state.md.us If you have any questions, please contact Cathy Ruppel, Insurance Analyst, by phone at (410) 468-2316, by fax at (410) 468-2306, or by email at cruppel@mdinsurance.state.md.us. Please provide this information no later than December 8, 2003. __________________________________________ Alfred W. Redmer, Jr. Insurance Commissioner Enclosures: 2003 Coastal Survey Format 2003 Coastal Survey Excel “sample” spreadsheet 2003 Coastal Survey Format All data must start in cell A2 of the spreadsheet. Please use Headers. Below lists the columns in which the data must be placed. The placement of data must conform to this format or the submission will be returned. The data must be placed in the following columns: Column Description A NAIC Group Code B NAIC Company Code C NAIC Company Name (Not NAIC Group Name) D Name of City/County E Selected Zipcode by County For each Selected Zipcode: F Distance to Shoreline1 Underwriting Restriction G Mandatory Windstorm Deductible H HO 2/HO 3 or similar Policy Count as of October 1, 2003 I HO 2/HO 3 or similar Policy Count as of January 1, 2002 J HO 2/HO 3 or similar Policy Count as of January 1, 2001 K HO 4 or similar Policy Count as of October 1, 2003 L HO 4 or similar Policy Count as of January 1, 2002 M HO 4 or similar Policy Count as of January 1, 2001 N HO 6 or similar Policy Count as of October 1, 2003 O HO 6 or similar Policy Count as of January 1, 2002 P HO 6 or similar Policy Count as of January 1, 2001 Q Commercial Policy Count as of October 1, 2003 R Commercial Policy Count as of January 1, 2002 S Commercial Policy Count as of January 1, 2001 1As measured in feet, miles, or geographic area 2003 Coastal Survey Format Page 2 Requirements: 1. All entries must be in numeric format (zero decimal places), except for columns C, D, F, and G. Round off to whole numbers. 2. If no data is available for a column, insert N/A. 3. In the event that further explanation is needed for any of the columns, please use an attachment. 4. Everything must be on one spreadsheet page. 2003 Coastal Survey Spreadsheet 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 A B C D E F G H NAIC Group Code NAIC Company Code NAIC Company Name City/County Selected Zipcode by County Distance to Shoreline Underwriting Restriction Mandatory Windstorm Deductible HO 2/HO 3 Policy Count as of 10/1/03 22 55555 XYZ Ins Co Anne Arundel 20733 1 500 333 22 55555 XYZ Ins Co Anne Arundel 20751 1 500 444 22 55555 XYZ Ins Co Anne Arundel 20758 1 500 222 22 55555 XYZ Ins Co Anne Arundel 20764 1 500 N/A Anne Arundel 20776 Anne Arundel 20778 Anne Arundel 20779 Anne Arundel 21012 Anne Arundel 21032 Anne Arundel 21037 Anne Arundel 21056 Anne Arundel 21122 Anne Arundel 21140 Anne Arundel 21146 Anne Arundel 21401 Anne Arundel 21402 Anne Arundel 21403 Baltimore City 21201 Baltimore City 21202 Baltimore City 21224 Baltimore City 21225 Baltimore City 21226 Baltimore City 21230 Baltimore City 21231 Baltimore County 21162 Baltimore County 21219 Baltimore County 21220 Baltimore County 21221 Baltimore County 21222 2003 Coastal Survey Spreadsheet 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 A B C D E F G H Baltimore County 21237 Calvert 20615 Calvert 20639 Calvert 20657 Calvert 20676 Calvert 20678 Calvert 20685 Calvert 20688 Calvert 20714 Calvert 20732 Cecil 21901 Cecil 21903 Cecil 21915 Cecil 21919 Dorchester 21613 Dorchester 21622 Dorchester 21626 Dorchester 21631 Dorchester 21634 Dorchester 21669 Dorchester 21672 Dorchester 21675 Dorchester 21677 Dorchester 21869 Harford 21001 Harford 21005 Harford 21009 Harford 21010 Harford 21017 Harford 21040 Harford 21078 Harford 21085 2003 Coastal Survey Spreadsheet 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 A B C D E F G H Kent 21610 Kent 21620 Kent 21645 Kent 21661 Kent 21678 Queen Anne 21617 Queen Anne 21619 Queen Anne 21638 Queen Anne 21658 Queen Anne 21666 Saint Mary's 20606 Saint Mary's 20618 Saint Mary's 20626 Saint Mary's 20628 Saint Mary's 20630 Saint Mary's 20636 Saint Mary's 20650 Saint Mary's 20670 Saint Mary's 20680 Saint Mary's 20684 Somerset 21816 Somerset 21817 Somerset 21820 Somerset 21821 Somerset 21838 Somerset 21853 Somerset 21870 Somerset 21871 Talbot 21601 Talbot 21612 Talbot 21647 2003 Coastal Survey Spreadsheet 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 A B C D E F G H Talbot 21654 Talbot 21662 Talbot 21663 Talbot 21665 Talbot 21671 Talbot 21673 Talbot 21676 Talbot 21679 Wicomico 21814 Wicomico 21840 Wicomico 21856 Wicomico 21865 Worcester 21811 Worcester 21813 Worcester 21829 Worcester 21841 Worcester 21842 Worcester 21863 Worcester 21864 2003 Coastal Survey Spreadsheet 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 I J K L M N O P Q R S HO 2/HO 3 Policy Count as of 1/1/02 HO 2/HO 3 Policy Count as of 1/1/01 HO 4 Policy Count as of 10/1/03 HO 4 Policy Count as of 1/1/02 HO 4 Policy Count as of 1/1/01 HO 6 Policy Count as of 10/1/03 HO 6 Policy Count as of 1/1/02 HO 6 Policy Count as of 1/1/01 Commercial Policy Count as of 10/1/03 Commercial Policy Count as of 1/1/02 Commercial Policy Count as of 1/1/01 444 555 10 20 30 15 30 45 555 666 20 20 20 10 15 30 333 444 5 5 5 5 5 5 20 30 5 15 30 1 2 3 2003 Coastal Survey Spreadsheet 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 I J K L M N O P Q R S 2003 Coastal Survey Spreadsheet 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 I J K L M N O P Q R S 2003 Coastal Survey Spreadsheet 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 I J K L M N O P Q R S