Coverage description
An Insurance Services Office (ISO) standard form. It values a scheduled building at the cost to repair or replace it with a less costly, functionally equivalent building, removes coinsurance for that building, and adds ordinance or law coverage for undamaged portions, demolition and code upgrades.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
09 17 edition
Sep 2017, compared with 10 00Latest editionA Post-Loss Ordinance Or Law Option can be chosen in the Schedule so that laws enacted or revised after the loss, before rebuilding starts, are covered.
10 00
Not in this edition
09 17
“the ordinance or law is promulgated or revised after the loss but prior to commencement of reconstruction or repair”
Ordinance or law costs tied to contamination by pollutants or to fungus, wet or dry rot or bacteria are now excluded.
10 00
Not in this edition
09 17
“"pollutants" or due to the presence, growth, proliferation, spread or any activity of "fungus", wet or dry rot or bacteria”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 09 17Sep 2017Latest | 67 | 42 | 21 | Nov 2021 to Jul 2026 |
| 10 00Oct 2000 | 4 | 4 | 4 | Oct 2023 to Aug 2026 |
3 other edition dates appear in one or two filings each, often carrier-specific versions: 10 12, 06 07, 10 90.
Where filings record what this form replaced, they name earlier edition 10 12. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 5 companies filed the 09 17 edition and 3 companies filed 10 00.
- CP 10 30 (Causes of Loss - Special Form) is filed alongside it most often, in 69 of the same filings (91%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include CP 04 38, out of 27 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grange Mutual CAS Group6 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company | 10 | 9 | 09 17 | Apr 11, 2024 |
| Hastings Mutual Insurance Company | 6 | 5 | 09 17 | Mar 13, 2025 |
| Trisura GroupTrisura Insurance Company | 6 | 4 | 09 17 | Jul 10, 2026 |
| WCF Mutual Insurance Company Group2 group companies filed it, led by Associated Indemnity Corporation and WCF National Insurance Company | 5 | 3 | 09 17 | Mar 26, 2024 |
| Markel Corporation GroupState National Insurance Company, Inc. | 4 | 2 | 06 0709 17 | Jul 6, 2023 |
| Amerisure Company Group3 group companies filed it, led by AMERISURE INSURANCE COMPANY and AMERISURE MUTUAL INSURANCE COMPANY | 3 | 3 | 09 17 | Jul 7, 2023 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 3 | 3 | 10 1210 00 | Aug 14, 2026 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Phenix Mutual Fire Insurance Company | 3 | 2 | 09 17 | Jun 25, 2024 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 3 | 3 | 10 00 | Feb 28, 2024 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Assurance Company | 3 | 2 | 09 17 | Mar 11, 2022 |
How the largest insurers handle CP 04 38
Groups among the largest commercial property insurers that filed CP 04 38 or their own version in the past five years.
- Berkshire Hathaway GroupUses CP 04 38 in 1 filing
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States
Number of filings that include CP 04 38 in each state, Oct 2021 to Aug 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CP 10 30Causes of Loss - Special Form69 filings
- CP 15 31Ordinance or Law - Increased Period of Restoration68 filings
- CP 15 45Utility Services - Time Element67 filings
- CP 04 05Ordinance or Law Coverage64 filings
- CP 12 11Burglary and Robbery Protective Safeguards63 filings
- CP 00 10Building and Personal Property Coverage Form61 filings
- CP 00 18Condominium Commercial Unit-Owners Coverage Form61 filings
- CP 00 30Business Income (and Extra Expense) Coverage Form61 filings
- CP 10 33Theft Exclusion61 filings
- CP 04 17Utility Services - Direct Damage59 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 14, 2026 | The Cincinnati Casualty Companyand 2 more | WY | 10 00 | CNNA-135044579 |
| Jul 10, 2026 | Trisura Insurance Company | WA | 09 17 | SHNF-134976660 |
| Jun 30, 2026 | Trisura Insurance Company | IL | 09 17 | SHNF-134983369 |
| Jun 3, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 09 17 | COPP-134971651 |
| May 27, 2026 | Alaska National Insurance Company | SC | 09 17 | ALNI-134963185 |
| Mar 6, 2026 | Insurance Services Office, Inc. | WY | 09 17 | ISOF-G134868109 |
| Dec 4, 2025 | Trisura Insurance Company | CA | 09 17 | SHNF-134758544 |
| Oct 14, 2025 | Accredited Surety and Casualty Company, Inc. | OR | 09 17 | SHNF-134681277 |
| Oct 13, 2025 | Trisura Insurance Company | OR | 09 17 | SHNF-134681314 |
| Sep 8, 2025 | Starr Indemnity and Liability Company | CA | 09 17 | AUTH-134647369 |
| Aug 9, 2025 | Starr Indemnity and Liability Company | NM | 09 17 | AUTH-134633372 |
| Aug 7, 2025 | Starr Indemnity and Liability Company | SC | 09 17 | AUTH-134629716 |
Most filed ISO CP forms
- CP 03 21 Windstorm Or Hail Percentage Deductible
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- CP 12 19 Additional Insured - Building Owner
- CP 99 03 Cannabis Exclusion
- CP 10 75 Cyber Incident Exclusion
- CP 00 10 Building and Personal Property Coverage Form
- CP 00 30 Business Income (And Extra Expense) Coverage Form
- CP 12 18 Loss Payable Provisions
- CP 04 11 Protective Safeguards
- CP DS 00 Commercial Property Coverage Part Declarations Page
- CP 10 30 Causes of Loss - Special Form
- CP 03 20 Multiple Deductible Form
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