Coverage description
An Insurance Services Office (ISO) standard form. It settles windstorm or hail losses to roof surfacing at actual cash value under unit-owners (HO 00 06) and modified (HO 00 08) forms, and defines roof surfacing to include shingles, tiles, cladding, metal or synthetic sheeting and flashing.
How the form has changed
1 change across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
04 16 edition
Apr 2016, compared with 05 11A definition of roof surfacing is added, covering shingles or tiles, cladding, metal or synthetic sheeting, roof flashing and the materials used to secure and waterproof them.
05 11
Not in this edition
04 16
“"Roof surfacing" means the:”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 03 22Mar 2022Latest | 20 | 3 | 14 | Dec 2021 to Nov 2023 |
| 04 16Apr 2016 | 18 | 9 | 10 | Nov 2021 to Feb 2025 |
| 05 11May 2011 | 25 | 17 | 14 | Jan 2022 to Aug 2026 |
| 10 00Oct 2000 | 3 | 5 | 3 | Mar 2022 to Dec 2024 |
| 05 94May 1994 | 17 | 4 | 17 | Nov 2021 to Aug 2025 |
Filed by one company only: 01 25 (Amica Mutual Group, 4 filings).
8 other edition dates appear in one or two filings each, often carrier-specific versions: 05 25, 10 23, 02 22, 01 22, 01 21, 12 19, 09 14, 06 11.
Where filings record what this form replaced, they name other forms HEXX58, HO 7497. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 2 companies filed the 05 11 edition.
- The newer 03 22 edition first appears Dec 21, 2021 and has been filed by 3 companies in 14 states so far.
- The 01 25 edition appears only in filings from Amica Mutual Group (4 filings in 4 states since Jun 7, 2024), which suggests a carrier-specific version.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 47 of the same filings (48%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 HO 04 93, out of 26 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 22 | 22 | 05 9401 2102 22 | Aug 27, 2026 |
| Badger Mutual Insurance Company | 12 | 10 | 03 22 | Sep 1, 2022 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and MICO | 6 | 6 | 04 16 | Apr 24, 2023 |
| Hastings Mutual Insurance Company | 6 | 6 | 03 2204 16 | Dec 21, 2021 |
| Assurant Incorporated GroupAmerican Bankers Insurance Company of Florida | 5 | 5 | 05 1104 16 | Jan 23, 2023 |
| Homeowners of America Insurance Company | 5 | 5 | 04 16 | Dec 20, 2024 |
| Amica Mutual GroupAmica Mutual Insurance Company | 4 | 4 | 01 25 | Apr 15, 2025 |
| Insurance Services Office, Inc.Advisory Organization | 4 | 4 | 03 2205 11 | Dec 14, 2023 |
| Madison Mutual Insurance Company | 4 | 4 | 05 11 | Oct 14, 2025 |
| Utica GroupFounders Insurance Company | 4 | 4 | 05 11 | Oct 9, 2023 |
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States
Number of filings that include HO 04 93 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.
- HO 04 10Additional Interests - Residence Premises47 filings
- HO 04 41Additional Insured - Residence Premises46 filings
- HO 04 16Premises Alarm, Water Leak Detection or Fire Protection System44 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits44 filings
- HO 04 65Coverage C Increased Special Limits of Liability44 filings
- HO 04 90Personal Property Replacement Cost Lost Settlement43 filings
- HO 00 03Homeowners 3 - Special Form42 filings
- HO 04 35Supplemental Loss Assessment Coverage42 filings
- HO 04 40Structures Rented to Others - Residence Premises42 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage42 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 27, 2026 | Armed Forces Insurance Exchange | CA | 05 11 | ARMD-134961669 |
| Jun 17, 2026 | Homesite Insurance Company of the Midwest | SC | 05 11 | HMSS-134988810 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 01 21 | ARMD-134865546 |
| Feb 27, 2026 | Armed Forces Insurance Exchange | NE | 01 21 | ARMD-134795835 |
| Oct 14, 2025 | Madison Mutual Insurance Company | IL | 05 11 | MAMI-134702024 |
| Oct 14, 2025 | Madison Mutual Insurance Company | IN | 05 11 | MAMI-134702935 |
| Oct 14, 2025 | Madison Mutual Insurance Company | MO | 05 11 | MAMI-134703095 |
| Oct 14, 2025 | Madison Mutual Insurance Company | WI | 05 11 | MAMI-134703372 |
| Aug 26, 2025 | Liberty Mutual Fire Insurance Companyand 1 more | WY | 05 94 | LBPM-134639054 |
| Jul 21, 2025 | Casco Indemnity Company | CT | 05 11 | OHMG-134556517 |
| Apr 28, 2025 | Kentucky Farm Bureau Mutual Insurance Company | KY | 05 25 | KNFB-134503212 |
| Apr 15, 2025 | Amica Mutual Insurance Company | MA | 01 25 | AMMA-134378570 |
Most filed ISO HO forms
- HO 00 03 Homeowners 3 Special Form
- HO 04 90 Personal Property Replacement Cost Loss Settlement
- HO 04 10 Additional Interests - Residence Premises
- HO 04 41 Additional Insured - Residence Premises
- HO 04 48 Other Structures on the Residence Premises - Increased Limits
- HO 04 16 Premises Alarm Water Leak Detection or Fire Protection System
- HO 04 98 Refrigerated Property Coverage
- HO 04 35 Supplemental Loss Assessment Coverage
- HO 04 77 Ordinance or Law Increased Amount of Coverage
- HO 00 06 Homeowners 6 - Unit- Owners Form
- HO 24 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement
- HO 04 40 Structures Rented to Others - Residence Premises
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