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Hurricane Information
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HURRICANE & TROPICAL STORM RESTRICTIONS

Hurricane season brings on its own special concerns for those of us in the insurance industry. During periods of hurricane and tropical storm activity, it may be necessary to restrict binding authority for all producers in affected areas. At South & Western, our goal is to have a consistent procedure across all lines of business and departments when binding property based risks.

Therefore, below is a copy of our current guidelines for your reference. These guidelines are South & Western’s official policy and should be followed for all property based lines of business. (Please note: Binding Authority differs by line of business, and company. Refer to your producer agreement for specifics.)

Phase One Restrictions
NEW BUSINESS

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES listed below when any Hurricane or Tropical Storm is located North of 20º North and West of 80º West

ENDORSEMENTS:

No coverage may be increased or bound on any business in the RESTRICTED COUNTIES listed below when any Hurricane or Tropical Storm is located North of 20º North and West of 80º West

RENEWALS:

Expiring policies will be renewed providing the renewal policy is not endorsed to increase the physical damage limits of liability.

RESTRICTED COUNTIES (Texas):
  Aransas Hardin Live Oak  
Bee Harris Matagorda
Brazoria Hidalgo Newton
Brooks Jackson Nueces
Calhoun Jasper Orange
Cameron Jefferson Refugio
Chambers Jim Wells San Patricio
Fort Bend Kennedy Victoria
Galveston Kleberg Wharton
Goliad Liberty Willacy
RESTRICTED COUNTIES (Mississippi):
  George  
Hancock
Harrison
Jackson
Pearl River
Stone
Phase Two Restrictions
NEW BUSINESS

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES listed below when the National Hurricane Center’s Track Forecast Cone for any Hurricane or Tropical Storm is located North of 20º North and West of 80º West and indicates a general trend towards the Texas coast.

ENDORSEMENTS:

No coverage may be increased or bound on any business in the RESTRICTED COUNTIES listed below when the National Hurricane Center’s Track Forecast Cone for any Hurricane or Tropical Storm is located North of 20º North and West of 80º West and indicates a general trend towards the Texas coast.

RENEWALS:

Expiring policies will be renewed providing the renewal policy is not endorsed to increase the physical damage limits of liability.

RESTRICTED COUNTIES (Texas):
  Angelina Hardin Polk  
Aransas Harris Refugio
Atascosa Hidalgo Sabine
Austin Houston San Jacinto
Bastrop Jackson San Patricio
Bee Jasper Starr
Brazoria Jefferson Trinity
Brazos Jim Hogg Tyler
Brooks Jim Wells Victoria
Burleson Karnes Walker
Caldwell Kennedy Waller
Calhoun Kleberg Washington
Cameron La Salle Webb
Chambers Lavaca Wharton
Colorado Lee Willacy
De Witt Liberty Wilson
Duval Live Oak Zapata
Fayette Madison  
Fort Bend Matagorda  
Galveston McMullen  
Goliad Montgomery  
Gonzales Newton  
Grimes Nueces  
Guadalupe Orange  
RESTRICTED COUNTIES (Mississippi):
  Adams Jefferson Davis  
Amite Jones
Claiborne Lamar
Clarke Lawrence
Copiah Lincoln
Covington Marion
Forrest Pearl River
Franklin Perry
George Pike
Green Simpson
Hancock Smith
Harrison Stone
Jackson Walthall
Jasper Wayne
Jefferson Wilkinson
Phase Three Restrictions
NEW BUSINESS

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES listed below when the National Hurricane Center’s Track Forecast Cone for any Hurricane or Tropical Storm is located North of 20º North and West of 80º West and touches the Texas coast.

ENDORSEMENTS:

No coverage may be increased or bound on any business in the RESTRICTED COUNTIES listed below when the National Hurricane Center’s Track Forecast Cone for any Hurricane or Tropical Storm is located North of 20º North and West of 80º West and touches the Texas coast.

RENEWALS:

Expiring policies will be renewed providing the renewal policy is not endorsed to increase the physical damage limits of liability.

RESTRICTED COUNTIES (Texas): RESTRICTED COUNTIES (Mississippi):
All Counties in Texas All Counties in Mississippi
Phase One, Two, or Three restrictions will be posted on the homepage of the South & Western website for your reference. However these guidelines will apply regardless whether such restrictions are posted or not. Please contact your underwriter if you have any questions.
Click on this picture for a Hurricane Tracking map (PDF Format).
Click on this picture for a map of Restricted Texas Counties (PDF Format).
Click on this picture for a map of Restricted Mississippi Counties (PDF Format).
Click on this picture for the National Hurricane Center.
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