HO 04 36 Loss Assessment Coverage For Earthquake

An Insurance Services Office (ISO) standard form. It covers your share of an assessment by a condominium or homeowners association for earthquake damage to commonly owned property, up to the scheduled limit, subject to a separate earthquake deductible and excluding government assessments and flood.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • The earthquake deductible can now be shown as a dollar amount in the schedule. The percentage of the limit applies only when no dollar amount is shown.

     05 11

     Not in this edition

     03 22

     “If a dollar amount is not shown in”

2. 05 11 edition

   May 2011, compared with 10 00

   • The minimum earthquake loss assessment deductible rises from $250 to $500.

     10 00

     “than $250 in any one assessment”

     05 11

     “less than $500 in any one assessment”

   • The flood exclusion now covers waves of any kind, including tsunami, not only tidal wave.

     10 00

     “any nature or tidal wave, whether caused by”

     05 11

     “waves, including tidal wave and tsunami”

Filed by one company only: 08 05 (Westfield Group, 7 filings).

2 other edition dates appear in one or two filings each, often carrier-specific versions: 01 15, 08/01/05.

Where filings record what this form replaced, they name earlier edition 03 22 and other forms HO 04 03. Only some filings record replacements.

• Edition in use: in the past 12 months, 3 companies filed the 03 22 edition and 3 companies filed 05 11.
• The newer 02 25 edition first appears Oct 16, 2024 and has been filed by 3 companies in 16 states so far.
• The 08 05 edition appears only in filings from Westfield Group (7 filings in 7 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 04 10 (Additional Interests – Residence Premises) is filed alongside it most often, in 59 of the same filings (79%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to May 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Farmers Insurance GroupFiles its own version: 35009 Loss Assessment Coverage For Earthquake (1 state)

• HO 04 10Additional Interests – Residence Premises59 filings
• HO 04 54Earthquake53 filings
• HO 04 48Other Structures On The Residence Premises – Increased Limits52 filings
• HO 04 41Additional Insured – Residence Premises51 filings
• HO 24 71Business Pursuits50 filings
• HO 04 50Increased Amount Of Insurance For Personal Property At Other Residences48 filings
• HO 00 03Homeowners 3 – Special Form45 filings
• HO 04 40Structures Rented To Others – Residence Premises45 filings
• HO 24 70Additional Residence Rented To Others 1, 2, 3 Or 4 Families45 filings
• HO 00 04Homeowners 4 – Contents Broad Form44 filings