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Hurricane Information

HURRICANE & TROPICAL STORM RESTRICTIONS

Hurricane season brings on its own special concerns for those of us in the insurance industry. During periods of hurricane and tropical storm activity, it may be necessary to restrict binding authority for all producers in affected areas. At South & Western, our goal is to have a consistent procedure across all lines of business and departments when binding property based risks.

Therefore, below is a copy of our current guidelines for your reference. These guidelines are South & Western’s official policy and should be followed for all property based lines of business. (Please note: Binding Authority differs by line of business, and company. Refer to your producer agreement for specifics.)


Phase One Restrictions
NEW BUSINESS

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES listed below when any Hurricane or Tropical Storm is located North of 20º North and West of 80º West

ENDORSEMENTS

No coverage may be increased or bound on any business in the RESTRICTED COUNTIES listed below when any Hurricane or Tropical Storm is located North of 20º North and West of 80º West

RENEWALS

Expiring policies will be renewed providing the renewal policy is not endorsed to increase the physical damage limits of liability.

RESTRICTED COUNTIES (Texas):

Aransas
Hardin
Live Oak
Bee
Harris
Matagorda
Brazoria
Hidalgo
Newton
Brooks
Jackson
Nueces
Calhoun
Jasper
Orange
Cameron
Jefferson
Refugio
Chambers
Jim Wells
San Patricio
Fort Bend
Kennedy
Victoria
Galveston
Kleberg
Wharton
Goliad
Liberty
Willacy

RESTRICTED COUNTIES (Mississippi):

George
Hancock
Harrison
Jason
Pearl River
Stone
Phase Two Restrictions
NEW BUSINESS

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES listed below when the National Hurricane Center’s Track Forecast Cone for any Hurricane or Tropical Storm is located North of 20º North and West of 80º West and indicates a general trend towards the Texas coast.

ENDORSEMENTS

No coverage may be increased or bound on any business in the RESTRICTED COUNTIES listed below when the National Hurricane Center’s Track Forecast Cone for any Hurricane or Tropical Storm is located North of 20º North and West of 80º West and indicates a general trend towards the Texas or Mississippi coast.

RENEWALS

Expiring policies will be renewed providing the renewal policy is not endorsed to increase the physical damage limits of liability.

RESTRICTED COUNTIES (Texas):

Agenlina
Hardin
Polk
Aransas
Harris
Refugio
Atascosa
Hidalgo
Sabine
Austin
Houston
San Jacinto
Bastrop
Jackson
San Patricio
Bee
Jasper
Starr
Brazoria
Jerreson
Trinity
Brazos
Jim Hogg
Tyler
Brooks
Jim Wells
Victoria
Burleson
Karnes
Walker
Caldwell
Kennedy
Waller
Calhoun
Kleberg
Washington
Cameron
La Salle
Webb
Chambers
Lavaca
Wharton
Colorado
Lee
Willacy
De Witt
Liberty
Wilson
Duval
Live Oak
Zapata
Fayette
Madison
Fort Bend
Matagorda
Galveston
McMullen
Goliad
Montgomery
Gonzales
Newton
Grimes
Nueces
Guadalupe
Orange

RESTRICTED COUNTIES (Mississippi):

Adams
Jefferson Davis
Amite
Jones
Claiborne
Lamar
Clarke
Lawrence
Copiah
Lincoln
Covington
Marion
Forrest
Pearl River
Franklin
Perry
George
Pike
Green
Simpson
Hancock
Smith
Harrison
Stone
Jackson
Walthall
Jasper
Wayne
Jefferson
Wilkinson
Phase Three Restrictions
NEW BUSINESS

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES listed below when the National Hurricane Center’s Track Forecast Cone for any Hurricane or Tropical Storm is located North of 20º North and West of 80º West and touches the Texas coast.

ENDORSEMENTS

No coverage may be increased or bound on any business in the RESTRICTED COUNTIES listed below when the National Hurricane Center’s Track Forecast Cone for any Hurricane or Tropical Storm is located North of 20º North and West of 80º West and touches the Texas or Mississippi coast.

RENEWALS

Expiring policies will be renewed providing the renewal policy is not endorsed to increase the physical damage limits of liability.

RESTRICTED COUNTIES (Texas):

All Counties in Texas

RESTRICTED COUNTIES (Mississippi):

All Counties in Mississippi

Phase One, Two, or Three restrictions will be posted on the homepage of the South & Western website for your reference. However these guidelines will apply regardless whether such restrictions are posted or not. Please contact your underwriter if you have any questions.