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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE This endorsement modifies insurance provided under the following: STANDARD PROPERTY COVERAGE FORM SPECIAL PROPERTY COVERAGE FORM The Windstorm or Hail Deductible, as shown in the Declarations, and as set forth in this endorsement, applies to physical loss or physical damage to Covered Property caused directly or indirectly by Windstorm or Hail. This Deductible applies to each occurrence of Windstorm or Hail, regardless of any other cause or event that contributes concurrently or in any sequence to the loss or damage. If loss or damage from a covered weather condition other than Windstorm or Hail occurs, and that loss or damage would not have occurred but for the Windstorm or Hail, such loss or damage shall be considered to be caused by Windstorm or Hail and therefore part of the Windstorm or Hail occurrence. With respect to Covered Property at a "scheduled premises" identified in the Declarations, no other deductible applies to Windstorm or Hail. Nothing in this endorsement implies or affords coverage for any loss or damage that is excluded under the terms of the Water Exclusion B.1.f of the Special Property Coverage Form or any other exclusion in this policy. A. "Specific Insurance" and 'Blanket Insurance" Definitions As used in this endorsement. "Specific Insurance" and "Blanket Insurance" have the following meaning: 1. "Specific Insurance" covers: a. Each individual Building; or b. Business Personal Property contained in or on each individual building or in the open (or within a vehicle) within 1000 feet of each individual building; at the described premises and for which a separate Limit of Insurance is shown in the Declarations. 2. 'Blanket Insurance" covers: a. Two or more Buildings; or b. Business Personal Property contained in or on those buildings or in the open (or within a vehicle) within 1000 feet of those Buildings at the described premises and for which a Form SS 82 23 09 15 single Limit of Insurance is shown in the Declarations. B. Windstorm or Hail Deductible Clause If physical loss or physical damage to covered property is caused by or results from Windstorm or Hail, paragraph D.1. Deductibles is deleted and replaced by the following: 1. We will not pay for physical loss or physical damage in any one occurrence until the amount of physical loss or physical damage exceeds the selected deductible, as shown in the Declarations. We will then pay the amount of physical loss or physical damage in excess of the deductible up to the applicable Limit of Insurance shown in the Declarations. The Windstorm or Hail Deductible Clause shown above applies separately to: a. Each building, if two or more buildings are covered; b. The building and business personal property, if the building and its business personal property are both covered; c. Business personal property at each building, if business personal property of two or more buildings is covered; d. Business personal property in the open. If there is damage to both a building and business personal property in that building, separate deductibles apply to the building and to the personal property. C. Application of Percentage Deductible In determining the amount, if any, that we will pay for physical loss or physical damage, we will deduct an amount equal to 1%, 2%, 3%, 4% or 5% (as shown in the Declarations) of the Limit(s) of Insurance applicable to the property that has sustained physical loss or physical damage. However, in any one occurrence of Windstorm or Hail, the total deductible for all covere Windstorm or Hail losses shall not be less than $51 RAMwagementDMsian Aw F �40 IL REVIEWED & APPROVED BY: v © 2015, The Hartford Is --� W. fjanagement Analyst