PLOhiomedium
On a standard Ohio HO-3, how are tornado and hail losses to the dwelling typically treated given OH's Ohio Valley exposure?
AExcluded — require a separate windstorm policy.
BAvailable only through the Ohio FAIR Plan.
CCovered only by voluntary endorsement above R.C. 3929.27 statutory minimums.
Covered as named perils on the HO-3 baseline, subject to deductible.
Why this is the answer
Ohio sits in the Ohio Valley tornado/hail belt. The HO-3 baseline includes windstorm and hail as named perils for the dwelling, with the standard policy deductible applying. Carriers may impose a separate wind/hail deductible by endorsement.
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