Coverage description
An Insurance Services Office (ISO) standard form. It covers direct damage, and if scheduled business income and extra expense, from water or waterborne material backing up from a sewer, drain or sump on the premises when not caused by flood, subject to scheduled limits and deductibles.
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.
05 27 edition
May 2027, compared with 10 12Latest editionProperty damage under the endorsement is now subject to its own scheduled fixed dollar or percentage deductible per premises, instead of the policy's Fire deductible.
10 12
“the Deductible applicable to Fire will apply to this endorsement”
05 27
“The Property Damage Deductibles shown in the Schedule of this endorsement apply with respect to each premises”
A maximum property damage deductible per occurrence can now be shown in the schedule, capping the total deducted when several locations are damaged.
10 12
Not in this edition
05 27
“the Maximum Deductible is the most that will be deducted for all loss or damage in any one occurrence”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 05 27May 2027Latest | 23 | 3 | 23 | Mar 2026 to Oct 2026 |
| 10 12Oct 2012 | 73 | 54 | 16 | Nov 2021 to Jul 2026 |
What the filings show
- Edition in use: in the past 12 months, 7 companies filed the 10 12 edition and 3 companies filed 05 27.
- The newer 05 27 edition first appears Mar 10, 2026 and has been filed by 3 companies in 23 states so far.
- CP 03 20 (Multiple Deductible Form) is filed alongside it most often, in 78 of the same filings (81%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 10 38, out of 31 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 21 | 21 | 05 27 | Aug 5, 2026 |
| Trisura GroupTrisura Insurance Company | 7 | 5 | 10 12 | Jul 10, 2026 |
| Hastings Mutual Insurance Company | 6 | 5 | 10 12 | Mar 13, 2025 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Property and Casualty Insurance Company | 6 | 3 | 10 12 | Mar 11, 2022 |
| WCF Mutual Insurance Company Group2 group companies filed it, led by Associated Indemnity Corporation and WCF National Insurance Company | 5 | 3 | 10 12 | Mar 26, 2024 |
| Amtrust Financial Services Group9 group companies filed it, led by CorePointe Insurance Company and First Nonprofit Insurance Company | 4 | 1 | 10 12 | Feb 8, 2023 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 4 | 2 | 10 12 | Sep 20, 2023 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 3 | 3 | 10 12 | Mar 21, 2025 |
| Amerisure Company Group3 group companies filed it, led by AMERISURE INSURANCE COMPANY and AMERISURE MUTUAL INSURANCE COMPANY | 3 | 3 | 10 12 | Jul 7, 2023 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Phenix Mutual Fire Insurance Company | 3 | 2 | 10 12 | Jun 25, 2024 |
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CP 10 38 in each state, Oct 2021 to Oct 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CP 03 20Multiple Deductible Form78 filings
- CP 03 29Deductibles by Location78 filings
- CP 00 10Building and Personal Property Coverage Form71 filings
- CP 10 33Theft Exclusion71 filings
- CP 00 18Condominium Commercial Unit- Owners Coverage Form70 filings
- CP 00 30Business Income (and Extra Expense) Coverage Form70 filings
- CP 00 17Condominium Association Coverage Form68 filings
- CP 00 40Legal Liability Coverage Form68 filings
- CP 03 21Windstorm Or Hail Percentage Deductible68 filings
- CP 04 17Utility Services - Direct Damage68 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 1, 2026 | Property Insurance Association of Louisiana | LA | 05 27 | PIAL-135109319 |
| Aug 28, 2026 | Idaho Surveying and Rating Bureau, Inc. | ID | 05 27 | ISRB-135069700 |
| Aug 5, 2026 | Insurance Services Office, Inc. | GA | 05 27 | ISOF-135041740 |
| Aug 4, 2026 | Insurance Services Office, Inc. | PA | 05 27 | ISOF-135042310 |
| Aug 4, 2026 | Insurance Services Office, Inc. | VA | 05 27 | ISOF-135042311 |
| Jul 23, 2026 | Insurance Services Office, Inc. | TX | 05 27 | ISOF-135020902 |
| Jul 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 10 12 | SFBC-134997156 |
| Jul 16, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 10 12 | SFBC-135019625 |
| Jul 10, 2026 | Trisura Insurance Company | WA | 10 12 | SHNF-134976660 |
| Jul 1, 2026 | Insurance Services Office, Inc. | MD | 05 27 | ISOF-135005339 |
| Jun 30, 2026 | Insurance Services Office, Inc. | ME | 05 27 | ISOF-135004700 |
| Jun 30, 2026 | Insurance Services Office, Inc. | SC | 05 27 | ISOF-135004703 |
Most filed ISO CP forms
- CP 03 21 Windstorm Or Hail Percentage Deductible
- CP 10 36 Limitations On Coverage For Roof Surfacing
- 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
See more carrier forms
Search forms by carrier, line of business, state, and wording with FilingFocus.