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Please contact our Customer Service Department at 800.849.6140 if you have any questions.

Page 1 of 7

Stillwater Roof Underwriting Guidelines Home (HO3, HO5) and Dwelling Fire

Unacceptable Roofs The following roof types are ineligible: 1. Aluminum, Corrugated

2. Asbestos 3. Composition (T-Lock Shingles) 4. Copper 5. Copper, Batten Seam 6. Copper, Flat Seam 7. Copper, Standing Seam

8. Fiberglass, Translucent Panels 9. Flat Roofs

a. Rolled Roof/Single Ply

b. Rubber

c. Built-Up, Tar and Gravel (except in: AZ, CA, NM, & NV) d. Foam

1 (except in: AZ, AR, CA, CO, HI, ID, IL, IN, IA, KY, ME, MS, MO, MT, NE, NV, NM, ND,

OH, OK, OR, PA, SD, TN, UT, VT, WA, WV, WI, WY)

e. Vinyl1 (except in: AZ, AR, CA, CO, HI, ID, IL, IN, IA, KY, ME, MS, MO, MT, NE, NV, NM, ND,

OH, OK, OR, PA, SD, TN, UT, VT, WA, WV, WI, WY)

10. Glass/Greenhouse 11. Masonite 12. Plexiglas 13. Shakes, Victorian Scalloped (except OR & WA) 14. Shakes, Wood (except OR & WA) 15. Shingles, Asphalt/Fiberglass Irregular Pattern 16. Shingles, Copper 17. Shingles, Photovoltaic 18. Shingles, New England Pine (except OR & WA) 19. Shingles, Wood (except OR & WA) 20. Shingles, Wood Fire Resistant (except OR & WA) 21. Steel 22. Terne, Batten Seam 23. Terne, Flat Seam 24. Terne, Standing Seam 25. Thatch 26. Tiles, Photovoltaic 27. Tin (Terne) 28. Tin, Lead Coated, Batten Seam 29. Tin Lead Coated, Flat Seam 30. Other

1Subject to additional requirements regarding age and slope of roof per the eligibility section of the

Underwriting Guidelines

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Please contact our Customer Service Department at 800.849.6140 if you have any questions.

Page 2 of 7

Acceptable Roofs Homes (HO3 & HO5)- Less than 51 Years in Age: Dwelling Fire - Less than 60 years in Age: All roofs must be in good condition, regardless of type. If there is any known damage, deterioration, missing shingles, excessive granular loss, raised/lifting shingles, or more than 1 layer of shingles on the roof the risk is ineligible. Exception - Florida allows 2 layers of shingles and Kansas allows Composition over Wood The following Roof Types are acceptable: 1. Aluminum, Standing Seam 2. Hail Proof (must be installed within the last 20 years to be eligible. Exception CA and FL - 25 years). 3. Shingles, Aluminum 4. Shingles, Architectural (must be installed within the last 20 years to be eligible. Exception CA and FL

- 25 years). 5. Shingles, Asphalt/Fiberglass (must be installed within the last 20 years to be eligible. Exception CA

and FL - 25 years). 6. Shingles, Cement Fiber (must be installed within the last 20 years to be eligible. Exception CA and FL

- 25 years). 7. Shingles, Slate, Red (eligible if installed after 1979). 8. Shingles, Steel 9. Shingles, Steel Aggregate Finish 10. Shingles, Synthetic Rubber (must be installed in the last 20 years to be eligible. Exception CA and FL

– 25 years) 11. Slate (eligible if installed after 1979).

12. Slate, Reinforced Fiber Composite (eligible if installed after 1979).

13. Steel, Standing Seam

14. Tile, Clay 15. Tile, Clay, Custom Colors

16. Tile, Clay, Glazed

17. Tile, Concrete

18. Tile, Mission

19. Tile, Spanish

20. Flat Roofs (are subject to special requirements and include the following): o Risks which consist of flat roofs, in part or in whole, are ineligible risks except in the following

states: AZ, AR, CA, CO, HI, ID, IL, IN, IA, KY, ME, MS, MO, MT, NE, NV, NM, ND, OH, OK, OR,

PA, SD, TN, UT, VT, WA, WV, WI, WY

o In the acceptable states, the flat roofs must meet the following requirements:

o The roof must be less than 10 years old; and

o The roof must have at least ¼ inch of rise for every 12 inches of run.

o In the acceptable states, the flat roofs must use the following materials:

i. Foam

ii. Vinyl

iii. Built-Up, Tar and Gravel (only eligible in AZ, CA, NM, & NV)

21. Wood Roofs (include the following and are only eligible in OR & WA): Wood Roofs in OR & WA must be updated in the last 20 years to be eligible.

Shakes, Victorian Scalloped

Shakes, Wood

Shingles, New England Pine

Shingles, Wood

Shingles, Wood, Fire Resistant

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Please contact our Customer Service Department at 800.849.6140 if you have any questions.

Page 3 of 7

Acceptable Roofs Roofs - Homes 51 - 100 Years in Age (HO3 & HO5) All roofs must be in good condition, regardless of type. If there is any known damage, deterioration, missing shingles, excessive granular loss, raised/lifting shingles, or more than 1 layer of shingles on the roof the risk is ineligible. Exception - Florida allows 2 layers of shingles and Kansas allows Composition over Wood. The following Roof Types are acceptable: 1. Aluminum, Standing Seam (must be installed within the last 15 years to be eligible). 2. Hail Proof (must be installed within the last 15 years to be eligible. Exception: Florida – within the last

25 years) 3. Shingles, Aluminum (must be installed within the last 15 years to be eligible). 4. Shingles, Architectural (must be installed within the last 15 years to be eligible. Exception: Florida –

within the last 25 years) 5. Shingles, Asphalt/Fiberglass (must be installed within the last 15 years to be eligible. Exception:

Florida – within the last 25 years) 6. Shingles, Cement Fiber (must be installed within the last 15 years to be eligible). 7. Shingles, Slate, Red (eligible if installed after 1979). 8. Shingles, Steel (must be installed within the last 15 years to be eligible). 9. Shingles, Steel Aggregate Finish (must be installed within the last 15 years to be eligible). 10. Shingles, Synthetic Rubber (must be installed within the last 15 years to be eligible). 11. Slate (eligible if installed after 1979).

12. Slate, Reinforced Fiber Composite (eligible if installed after 1979).

13. Steel, Standing Seam (must be installed within the last 15 years to be eligible). Exception: Florida -

any age of this type of roof is acceptable.

14. Tile, Clay (must be installed within the last 15 years) 15. Tile, Clay, Custom Colors (must be installed within the last 15 years) 16. Tile, Clay, Glazed (must be installed within the last 15 years) 17. Tile, Concrete (must be installed within the last 15 years) 18. Tile, Mission (must be installed within the last 15 years) 19. Tile, Spanish (must be installed within the last 15 years)

Tile Roof Exception: Florida – Tile roof is acceptable if in good condition. However, Barrel, Spanish and Arch Shape roofs are ineligible in Florida if wind coverage is included.

20. Flat Roofs (are subject to special requirements and include the following):

o Risks which consist of flat roofs, in part or in whole, are ineligible risks except in the following

states: AZ, AR, CA, CO, HI, ID, IL, IN, IA, KY, ME, MS, MO, MT, NE, NV, NM, ND, OH, OK, OR,

PA, SD, TN, UT, VT, WA, WV, WI, WY

o In the acceptable states, the flat roofs must meet the following requirements:

o The roof must be less than 10 years old; and

o The roof must have at least ¼ inch of rise for every 12 inches of run.

o In the acceptable states, the flat roofs must use the following materials:

i. Foam

ii. Vinyl

iii. Built-Up, Tar and Gravel (only eligible in AZ, CA, NM, & NV)

21. Wood Roofs (include the following and are only eligible in OR & WA) Wood Roofs in OR & WA must be updated in the last 20 years to be eligible.

Shakes, Victorian Scalloped

Shakes, Wood

Shingles, New England Pine

Shingles, Wood

Shingles, Wood, Fire Resistant

We appreciate your support of the Stillwater Insurance Group.

Please contact our Customer Service Department at 800.849.6140 if you have any questions.

Page 4 of 7

Acceptable Roofs Roofs Dwelling Fire Policies 61- 100 Years in Age

Dwelling Fire Policies constructed between 61 -100 years require completion of the following:

Older Dwelling Survey Form

The age of all eligible roofs must be 15 years or less, except flat roofs.

Flat roofs where allowed, must be 10 years or less. The only states eligible for flat roofs in the dwelling fire program are AZ, NM, NV, CA and certain UT counties: (Garfield, Iron, Kane and Washington). In the acceptable states, the flat roofs must meet the following requirements:

The roof must be less than 10 years old;

The roof must have at least ¼ inch of rise for every 12 inches of run.

Stillwater Roof Types / Roof Covers The following roof types can be selected via the Roof Type drop down select menu on FIRST and via the Public Quote site:

Asbestos, Composition Asphalt T-Lock Shingles, and Masonite are ineligible roof types and are

not listed in the photos shown below.

Roof types shown below in Bold RED are ineligible.

Roof types with an asterisk ( * ) Foam and Vinyl are Flat roof types that are only available in select

States: AZ, AR, CA, CO, HI, ID, IL, IN, IA, KY, ME, MS, MO, MT, NE, NV,NM, ND, OH, OK, OR, PA,

SD, TN, UT, VT, WA, WV, WI, WY.

In the acceptable states, the flat roofs must meet the following requirements:

The roof must be less than 10 years old;

The roof must have at least ¼ inch of rise for every 12 inches of run.

Shingles, Cement Fiber

Shingles, Steel, Aggregate Finish

Copper, Standing Seam

Aluminum, Corrugated

Shingles, Wood

(except OR & WA)

Thatch

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Please contact our Customer Service Department at 800.849.6140 if you have any questions.

Page 5 of 7

Shingles, Aluminum

Shingles, Wood, Fire Resistant

(except in OR & WA)

Fiberglass, Translucent

Panels

Aluminum, Standing Seam

Slate

*Foam (FLAT)

Steel, Standing Seam

Slate, Reinforced Fiber Composite

Glass/Greenhouse

Built-Up/Tar and Gravel

Steel

Hail Proof

Copper

Terne, Batten Seam

Plexiglas

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Please contact our Customer Service Department at 800.849.6140 if you have any questions.

Page 6 of 7

Copper, Batten Seam

Terne, Flat Seam

Rubber

Copper, Flat Seam

Terne, Standing Seam

Shakes, Victorian Scalloped

(except in OR &WA)

Shakes, Wood

(except in OR & WA

Shingles, Architectural

Shingles, Asphalt/Fiberglass

Shingles, Copper

Tile, Clay

Shingles, Asphalt/Fiberglass,

Irregular Pattern – this

includes T-Lock shingles

Shingles, New England Pine

(except in OR & WA)

Tile, Clay, Custom Colors

Shingles, Slate, Red

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Please contact our Customer Service Department at 800.849.6140 if you have any questions.

Page 7 of 7

Shingles, Steel

Tile, Concrete

Tile, Spanish

Tin (Terne)

Tile, Mission

Rolled Roof/Single Ply

Tin, Lead-Coated, Batten Seam

Tin, Lead-Coated, Flat Seam

Tin, Lead-Coated, Standing

Seam

Tile, Clay, Glazed

Shingles, Synthetic/Rubber

* Vinyl (FLAT)

Shingles, Photovoltaic

Tiles, Photovoltaic