D. Deductible... 9 IV.1.B. E. - F. Earthquake Rating Zone Assignment Table V. G. - H. Glossary... 7 III. I. - K. Information... 3 I.

Transcription

1 Limited Earthquake Index Page Section No. A. - C. Course of Construction... 6 II. Coverage... 8 IV.1.A. Additional Living Expense... 8 IV.1.A.3. Contents... 8 IV.1.A.2. Dwelling... 8 IV.1.A.1. D. Deductible... 9 IV.1.B. E. - F. Earthquake Rating Zone Assignment Table V. G. - H. Glossary... 7 III. I. - K. Information... 3 I. L. Limited Earthquake Rating Method IV.2. Loss Assessment Coverage... 9 IV.1.D. M. - O. Minimum Premium IV.1.3. Mobilehomes... 6 II. P. - Z. Premium for Base Deductible IV.1.E. Renewal Premium Conversion Factor Rule IV.3. Revised - January, 2008 Washington Page 1

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3 I. Earthquake Information Faults and Earthquakes The United States is undermined by several major fault systems, each of which have the potential of causing catastrophic earthquakes. New faults are discovered regularly. It s believed that the 1994 Northridge Earthquake produced the highest set of ground motions ever recorded in a major urban area. Peak accelerations reached or exceeded twice the force of gravity. This earthquake made seismographers aware of the existence of` more fault lines in the metropolitan Los Angeles area than previously known. Proximity of a quake s epicenter to populated areas is one key to the amount of insured loss. However, depending on soil composition and other geologic factors, it is possible that the effects of a tremor may be felt even more intensely miles away from the epicenter. State Exposure to Quake According to the Federal Emergency Management Association (FEMA), 39 states are exposed to earthquake activity. While every state in the union has suffered some degree of earthquake damage, most of this century s seismic activity has occurred in the west. California and Washington experience considerable activity, with California reporting tremors nearly every day in some part of the state. Predicting Quakes Measuring Intensity Seismologists continue to study earthquakes and develop theories that provide a better understanding of why they occur and what the high risk areas are. Unfortunately, these theories cannot predict when the ground will shake, leaving accurate prediction of the next one a mystery. There are two widely used methods for describing an earthquake s intensity. The Richter Magnitudes Scale gauges the amount of seismic energy released by an earthquake. A Richter measurement of 3.5 is equivalent to the amount of energy released by detonating 1,000 pounds of TNT. Following is a summary of the scale and the likely result of such an earthquake: Richter Magnitudes Earthquake Characteristics Less than 3.5 Can be measured, but usually not felt by humans 3.5 to 5.4 Some minor damage, frequently felt by humans 5.5 to 6.0 Minor damage to buildings 6.1 to 6.9 Significant damage possible 7.0 to 7.9 Serious damage possible; major earthquake 8 or more Complete destruction of communities possible Source: University of Nevada-Reno, Seismology Lab MMI Scale The Modified Mercalli Intensity Scale (MMI Scale) is used to assess the effects of an earthquake at different locations. The MMI Scale ranges from I (earth movement is not felt by humans) to XII (total destruction). Higher intensities usually occur closer to the epicenter, although not necessarily. In the 1989 Loma Prieta earthquake, also known as the World Series quake, the intensity was stronger in San Francisco Bay (up to IX) than in the area immediately surrounding its epicenter in the Santa Cruz Mountains (primarily VIII). New Page - June, 1999 Washington Page 3

4 I. Earthquake Information (Cont d) Predicting Loss Is there any coverage under the Standard Homeowners policy? What are Unigard s Guidelines for Earthquake Coverage? Given a hypothetical epicenter and intensity as well as variables like soil composition, location of risk, type of construction, age of building, building usage, building height and applicable deductible, forecasts of property risk and corresponding loss reserve potentials can be made with some confidence. Independent companies have developed computer models to help corporations such as Unigard analyze their loss potential. The two most prevalent ones were developed by Risk Management Solutions (IRAS model), which Unigard uses, and EQE, which the California Earthquake Authority (CEA) used to help develop rates for their mini policy. The basic homeowner and dwelling fire contracts exclude earthquake coverage on the dwelling structure. Some companies provide earthquake coverage on contents when written under an all-risk form. Because of the potential exposure for loss, Unigard chose to totally segregate earthquake from all other perils, although there is limited coverage in our Silver and Gold programs for Personal Property away from the residence premises. To obtain earthquake coverage, a separate earthquake endorsement must be added and the appropriate premium charged. We believe that privately provided earthquake insurance should be available for all policyholders except those with a significantly greater than normal exposure. The following represent severe earthquake hazards that are not contemplated by the rates. As such, dwellings fitting these criteria are not acceptable for coverage in Unigard: Solid brick, stone, or concrete dwellings. Frame residences are relatively flexible and therefore give way during earth movement, often sustaining relatively minor damage. Masonry construction is rigid and subject to structural failure during earthquake. Brick or stone veneer and tile roofs often sustain earthquake damage. Frame homes with masonry veneer are eligible, however, the masonry veneer is excluded from earthquake coverage. Mobile homes on steel or concrete piers regardless of tie downs. Studies done following Loma Prieta found that concrete piers failed 43% of the time and steel piers failed 64% of the time. By contrast, only 12% of the concrete block systems failed. Unbolted Mobile homes on concrete foundations Second to foundation failure is the tendency of the mobilehome to fall off the support jacks when exposed to intense ground shaking. Bolting mitigates this. Revised - January, 2008 Washington Page 4

5 I. Earthquake Information (Cont d) Dwellings on a slope of more than 20 degrees Most of the damage in the 1964 Alaska earthquake was caused by soil failure, including landslide. The greater the degree of slope, the more prone it is to landslide, especially if the slope is steepened by erosion or excavation. With accelerations exceeding the force of gravity, homes built on slopes become increasingly vulnerable to earthquake damage. Water heaters that have not been strapped and/or braced A water heater that is not strapped or anchored to the wall can topple during an earthquake. If gas or electrical lines are broken in the process, fire and/or water damage can occur. Homes that are not bolted to the foundation Bolting the foundation sill plate to the concrete foundation and bracing the cripple walls between the foundation and first floor help prevent the dwelling from being shaken off its foundation. During a sizable quake like the Northridge tremor, a home could actually slide off the foundation and experience partial collapse. It's a frightening prospect, and it happens too often for anyone to be complacent. During the Loma Prieta earthquake in Northern California, over 23,000 homes were damaged or completely destroyed. After an extensive study, the State Legislature found and declared that "lack of anchorage and cripple-wall failure were the avoidable causes." In other words, not one bolted home suffered from sliding or collapse. Dwellings built on posts, piers or stilts Previous earthquakes have demonstrated that posts, piers and stilts are generally unable to outlast the violent shaking of a quake. Collapse is common. Homes built on land fill or unstable soils, including alluvial soils and those subject to liquefaction Deep, loose soils tend to amplify and prolong the shaking. Soil subject to liquefaction may temporarily lose its ability to sustain the weight of the house. Dwellings with previous earthquake damage Homes with severe cracks in the foundation, dwelling or chimney Earthquake damage is cumulative. A structure which appears to have survived an earthquake may have been weakened by internal damage to the walls. One with known earthquake damage is especially susceptible due to the uncertainty that all damage was actually recognized and corrected. New Page - June, 1999 Washington Page 5

6 I. Earthquake Information (Cont d) To Obtain Earthquake Coverage on a qualified risk: What are Unigard s Earthquake Guidelines enough. A AFTER the ground shakes? Prior to offering earthquake coverage, a questionnaire signed by the insured and two photos showing front and rear angles of the home must be reviewed by underwriting. Agents do not have binding authority on earthquake risks. The easiest time in the world to sell earthquake coverage is right after the ground shakes. Unfortunately, with many earthquakes, once isn t single earthquake is often followed by multiple aftershocks, many of which are earthquakes in their own right. To allow time for the ground to settle, there is a 30 day waiting period during which no coverage may be added to a dwelling within a 100 mile radius of the epicenter if a quake measures 5.0 or more on the Richter Scale. No coverage will be added for 72 hours within a 100 mile radius of the epicenter after an earthquake measuring less than 5.0 on the Richter Scale. In the event of a 30 day moratorium, a Producer Link Letter Bulletin, usually including a map, will be sent to all agents in the affected areas. II. Questions & Answers Can earthquake Mobile Homes: be written on the following? A study completed by the California Department of Housing after the 1989 Loma Prieta earthquake revealed that manufactured homes (mobile homes) that were properly tied down and on solid foundations experienced little or no damage. The most common cause of shake damage to a mobile home occurs when the structure moves off the supports or is pierced by supports. Proper tie downs and a solid foundation eliminate this hazard. With tie downs that anchor the mobile home to the ground, the home is likely to experience damage no more severe than a frame home. Therefore, we offer earthquake coverage on manufactured homes if they are on full concrete foundations with proper tie downs. Course of Construction: Current building codes require that homes be bolted to the foundation. As bolting occurs during the framing process, the earthquake exposure is realistically no greater for a COC risk than it is for a fully completed dwelling. Earthquake on COC risks will be underwritten as if the dwelling is completed and occupied. New Page - June, 1999 Washington Page 6

7 III. Glossary of Common Earthquake Terms Alluvial Soil: Anchor Bolts: Cripple Walls: Earthquake Retrofitting: Epicenter: Fault: Liquefaction: Shearwall: Subduction Earthquake: Subduction Zone: Thrust Earthquake: Clay, silt, sand, gravel or similar material deposited by running water. Made of loose particles, alluvial soils tend to compact during earthquakes, making them unstable. Steel bolts embedded in a concrete foundation that hold the framing of the building and the foundation together. A short stud wall that extends from the top of the perimeter foundation upward to carry the floor joists. The danger comes from the fact these components are in the seismic load path and are often inadequately braced. They can collapse like dominos in a large earthquake. Plywood reinforcement on the inside face of the cripple-wall studs can save a house from destruction in a future quake. Strengthening existing structures to resist damage from a future earthquake. The point on the earth s surface directly above the focus of an earthquake. A weak point or fracture in the earth s crust along which displacement of the two opposing rock layers occurs. The joint is usually not exactly vertical but inclined, so that one plane of the fault overhangs the other. A condition resulting from quake vibrations that makes soil lose its cohesion and behave temporarily as a liquid. On slopes as slight as 3, loss from liquefaction can occur as large masses of soil flow down the slope. Soil may also lose its bearing strength, causing houses to sink and lighter buried structures (such as oil tanks) to rise to the surface. Structural element made up of plywood, a specific nailing schedule, metal connectors and wood framing which resists the sideways force of the earthquake. A thrust type earthquake caused by slippage between converging plates in a subduction zone (see below). Such earthquakes usually occur on the shallow part of the boundary and can exceed magnitude 8. The region between converging plates, one of which dives beneath the other. The Cascadia Subduction Zone in the Pacific Northwest is an example. (Also called a subduction quake.) An earthquake resulting from the sudden movement of the leading edge of one plate descending (subducting) beneath another plate. The 1994 Northridge quake is an example. Thrust quakes are far more damaging than strike-slip quakes. New Page - June, 1999 Washington Page 7

8 IV. Limited Earthquake Coverages Homeowners and Dwelling Fire Rule 1. Limited Earthquake Coverage A. Coverages 1. Dwelling The dwelling coverage limit will always be the same as the Coverage A limit for the dwelling. Dwelling coverage does not include: 2. Contents outbuildings appurtenant structures swimming pools masonry fences and walls not necessary for the structural integrity of the dwelling walkways and patios not necessary for regular ingress or egress from the dwelling awnings or other patio covers decorative or artistic features including plaster if other covering would be more cost-effective landscaping masonry chimneys. The policy does cover replacement of a damaged masonry chimney with a nonmasonry, earthquake resistant chimney. exterior masonry veneer Forms HO-3, HO-3+, HO-5, HO-4, HO-6 and Dwelling Fire: The contents limit will always be the same as the Coverage C limit for Personal Property. Contents coverage does not include coverage for glassware, china, porcelain, or ceramic items, artwork or other decorative items. 3. Additional Living Expense The limit is $5,000 to cover expenses while the dwelling remains uninhabitable because of physical loss or damage by earthquake. Attach Limited Coverage for Earthquake Washington - Home All Forms Attach Limited Coverage for Earthquake Washington - Dwelling Fire All Forms Earthquake coverage is available on Forms DP or DP 00 03, HO-3, HO-3+, HO-5+, HO-6 and HO-4, for frame and masonry veneer dwellings. Masonry veneer is excluded from coverage. Solid brick, stone or concrete dwellings are not eligible for earthquake coverage. Revised - January, 2008 Washington Page 8

9 Rule 1. Limited Earthquake Coverage (Cont'd) B. Deductible - All Programs The base deductible is 15% of the limit for each coverage and is subject to a $500 minimum. This deductible may be increased for a premium credit. Coverage A and Coverage C The deductible applies separately to loss under Coverage A - Dwelling and Coverage C - Personal Property. Additional Living Expenses No deductible applies to Additional Living Expense. C. Premium for Higher The premium for higher deductibles is determined by applying the Deductibles applicable credit to the Base Deductible premium. Homeowners Deductible Credit Credits Deductible Percentage Frame and Superior Masonry 15% 20% 15% 20% 35% 30% 25% 50% 40% Dwelling Fire Deductible Credit Credits Deductible Percentage Frame and Superior Masonry 15% 20% 15% 20% 35% 30% 25% 50% 40% D. Loss Assessment - Coverage for loss assessment resulting from loss by earthquake is not Earthquake available. (Property Coverage Only) Revised - January, 2008 Washington Page 9

10 Rule 1. Limited Earthquake Coverage (Cont'd) E. Premium for Base The premiums are for each $1,000 of insurance. Deductible - All Programs 1. Homeowners Table A - HO-3WA (Bronze), HO-3+ (Silver), HO-5+ (Gold) Zone Frame Masonry Superior 1 $4.38 $15.06 $ Table B - HO-4WA, (Bronze) Zone Frame Masonry Superior 1 $1.74 $6.58 $ Table C - HO-6WA, (Bronze) Zone Frame Masonry Superior 1 $2.01 $7.59 $ Table D Coverage C Limits > 50% (All programs) Zone Frame Masonry Superior 1 $1.74 $6.43 $ Revised - January, 2008 Washington Page 10

11 Rule 1. Limited Earthquake Coverage (Cont'd) Table E - Coverage A - Condominiums, Building Additions and Alterations Zone Frame Masonry Superior 1 $2.98 $7.59 $ Dwelling Fire Table A - Coverage A + Dwellings and Improvements, Additions and Alterations Zone Frame Masonry Superior 1 $3.36 $11.19 $ Table B - Coverage C - Personal Property Zone Frame Masonry Superior 1 $1.93 $7.12 $ Table C - Coverage E - Additional Living Expense The premiums are for $5,000 limit of coverage. This coverage can only be written in conjunction with Coverage A. Zone Frame Masonry Superior 1 $52 $67 $ Revised - January, 2008 Washington Page 11

12 Rule 1. Limited Earthquake Coverage (Cont'd) 3. Minimum Premium Rule - Homeowners and Dwelling Fire a. If Coverage A is purchased, the minimum premium will be $60. b. If the policy does not have Coverage A, the minimum premium will be $40. Rule 2. Limited Earthquake Rating Method The premium for Limited Earthquake Coverage will be developed as follows: 1. Homeowners Forms HO-3, HO-3+ and HO-5+: a. Find the earthquake rating zone based on the ZIP Codes for the location. b. Using Homeowners Earthquake Rate Tables A, B or C, find the rate based on the earthquake rating zone and the construction of the dwelling. This is the rate per $1,000 of Coverage A. c. Multiply the appropriate rate by the: (1) Coverage A - Building limit for HO-3, HO-3+ and HO-5+. (2) Coverage C - Contents limit for Forms HO-4 and HO-6. (3) Amount of insurance for: (a) (b) Increased limits for Coverage C which includes the amount greater than the 50% amount of Coverage A for all programs - HO-3, HO-3+ and HO-5+. Coverage A - Condominiums, and Building Additions and Alterations. d. If a deductible greater than the earthquake base deductible is written, apply the applicable credit to the Base Deductible premium. New Page - June, 1999 Washington Page 12

13 Rule 2. Limited Earthquake Rating Method (Cont d) 2. Dwelling Fire - All Forms a. Find the earthquake rating zone based on the ZIP Codes for the location of the condominium. b. Determine if Dwelling Fire Earthquake Rate Tables A, and/or B applies, find the rate based on the earthquake rating zone, and the construction of the dwelling. This is rate per $1,000 of Coverage A and/or Coverage C. c. Multiply the appropriate rate by the amounts of insurance for: (1) Coverage A or Improvements, Alterations and Additions - Increased Limits. (2) Coverage C. d. Determine the flat charge by zone from Dwelling Fire Earthquake Rate Table C for Coverage E - Additional Living Expense. This is the flat charge for $5,000 limit for Coverage E. e. If a deductible greater than the Earthquake base deductible is written, apply the applicable credit to the Base Deductible premium. New Page - June, 1999 Washington Page 13

14 Rule 3. Earthquake Renewal Premium Conversion Factor Rule As an inforce Homeowner policy with Earthquake coverage renews for the first time after October 11, 2008, a renewal Earthquake premium is calculated based on both existing rates and those effective after the approved effective date. For policies where the Earthquake rate differential is greater than +29% or less than 0%, the premium conversion factor from the table below will be applied to the Earthquake premium. As the policy renews the second and third time, the corresponding factor will be applied. For example, a 35% rate increase would have a factor applied at the first renewal and a factor applied at the second renewal. The third renewal of the policy would be at the full uncapped rate level. Factors % Change Renewal 1 Renewal 2 Renewal 3 Factors continue to 999% with the same calculation 70% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % New Page - May, 2008 Washington Page 14

15 Rule 3. Renewal Premium Conversion Factor Rule (Cont d) All factors 0% and above and +29% and below are 1.00 factors as no cap applies. % Change Renewal 1 Renewal 2 Renewal 3 Factors continue to -99% with the same calculation -1% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % New Page - January, 2008 Washington Page 15

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17 ZIP County Location Territory King Auburn King Auburn King Federal Way King Bellevue King Bellevue King Bellevue King Bellevue King Bellevue King Bellevue P.O. Box King Black Diamond King Bothell Snohomish Mill Creek King Burton P.O. Box King Carnation King Bellevue P.O. Box X King Duvall Snohomish Edmonds Snohomish Bothell King Enumclaw King Federal Way King Fall City King Hobart P.O. Box Snohomish Edmonds King Issaquah King Kenmore King Issaquah King Kent King Kent King Kent King Kirkland King Juanita King Kent P.O. Box X Snohomish Lynnwood Snohomish Lynnwood King Maple Valley King Medina King Mercer Island King Bothell P.O. Box X King Kent Snohomish Mountlake Terrace King North Bend King Lynnwood P.O. Box King Pacific King Preston P.O. Box King Ravensdale King Redmond King Redmond King Redondo P.O. Box King Renton King Renton King Renton P.O. Box X Revised - January, 2008 Washington Page 17

18 ZIP County Location Territory King Renton King Renton King Rollingbay P.O. Box King Seahurst P.O. Box King Federal Way P.O. Box X King Kent P.O. Box X King Snoqualmie King Snoqualmie Pass P.O. Box King Vashon King Auburn P.O. Box X King/Snohomish Woodinville King Redmond P.O. Box X King Sammamish King Sammamish King Woodinville King Mill Creek P.O. Box X King Kirkland P.O. Box X Snohomish Lynnwood King Kent P.O. Box X King Auburn King Federal Way P.O. Box X King Seattle King Seattle King Seattle King Seattle King Seattle King Seattle King Seattle P.O. Box King Seattle King Seattle King Seattle King Seattle P.O. Box King Seattle King Seattle P.O. Box X King Seattle P.O. Box X King Seattle King Seattle King Seattle King Seattle King Seattle King Seattle King Seattle King Seattle P.O. Box X King Seattle King Seattle King Seattle P.O. Box King Seattle X King Seattle King Seattle King Seattle King Seattle 3 Revised - January, 2008 Washington Page 18

19 ZIP County Location Territory King Seattle P.O. Box King Seattle P.O. Box X King Seattle P.O. Box X King Seattle King Seattle P.O. Box X King Seattle King Seattle R.P.O King Seattle King Seattle King Seattle King Seattle P.O. Box X King Seattle King Seattle King Seattle P.O. Box X King Normandy Park King Seattle King Seattle R.P.O King Seattle X King Seattle P.O. Box X King Seattle King Seattle King Seattle King Seattle P.O. Box X King Seattle King Seattle King Seattle Snohomish Everett Snohomish Everett Snohomish Everett Snohomish Everett Snohomish Everett P.O. Box X Snohomish Everett R.P.O Snohomish Everett Snohomish Everett P.O. Box X Whatcom Acme Skagit Anacortes San Juan Blakely Island Snohomish Arlington King Baring P.O. Box Whatcom Bellingham Whatcom Bellingham Whatcom Bellingham P.O. Box X Whatcom Bellingham P.O. Box X Whatcom Bellingham Whatcom Blaine Whatcom Blaine P.O. Box X Skagit Bow Skagit Burlington Skagit Clear Lake P.O. Box Island Clinton Skagit Concrete 5 Revised - January, 2008 Washington Page 19

20 ZIP County Location Territory Skagit Conway P.O. Box Island Coupeville Whatcom Custer Snohomish Darrington San Juan Deer Harbor P.O. Box Whatcom Deming San Juan Eastsound Skagit Edison Whatcom Everson Whatcom Ferndale Island Freeland San Juan Friday Harbor Snohomish Gold Bar Snohomish Granit Falls Island Greenbank Skagit Hamilton P.O. Box Snohomish Index P.O. Box Skagit La Conner Snohomish Lake Stevens Snohomish Lakewood P.O. Box Island Langley San Juan Lopez Island Whatcom Lummi Island Skagit Lyman P.O. Box Whatcom Lynden Whatcom Maple Falls Skagit Marblemount Snohomish Marysville Snohomish Marysville Snohomish Monroe Skagit Mt. Vernon Skagit Mt. Vernon Snohomish Mukilteo Whatcom Nooksack P.O. Box Island Oak Harbor Island Whidbey Island R.P.O San Juan Olga San Juan Orcas P.O. Box Whatcom Pt. Roberts Island Camano X Skagit Rockport Skagit Sedro Wooley San Juan Shaw Island P.O. Box Snohomish Silvana King Skykomish P.O. Box Snohomish Snohomish Snohomish Snohomish P.O. Box Snohomish Stanwood Snohomish Startup Snohomish Sultan P.O. Box Whatcom Sumas 4 Revised - January, 2008 Washington Page 20

21 ZIP County Location Territory Snohomish Snohomish San Juan Waldron P.O. Box Pierce Anderson Island Pierce Ashford Clallam Beaver Kitsap Bremerton Kitsap Bremerton Kitsap Bremerton Kitsap Bremerton R.P.O Kitsap Bangor Naval Base Jefferson Brinnon Pierce Buckley Kitsap Burley P.O. Box Pierce Carbonado Clallam Carlsborg P.O. Box Jefferson Chimacum Clallam Clallam Bay Pierce Dupont Pierce Eatonville Pierce Gig Harbor Pierce Elbe Clallam Forks Pierce Gig Harbor Pierce Fox Island Pierce Gig Harbor Lewis Glenoma Kitsap Bremerton Pierce Graham Jefferson Pt. Hadlock Kitsap Hansville Kitsap Indianola Clallam Joyce P.O. Box Pierce Kapowsin P.O. Box Kitsap Keyport P.O. Box Kitsap Kingston Pierce La Grande P.O. Box Pierce Lakebay Clallam La Push P.O. Box Pierce Longbranch Kitsap Manchester P.O. Box Pierce Milton Lewis Mineral Lewis Morton Clallam Neah Bay P.O. Box Jefferson Nordland Kitsap Olalla Pierce Orting Lewis Packwood Clallam Port Angeles Clallam Port Angeles Kitsap Port Gamble P.O. Box 3 Revised - January, 2008 Washington Page 21

22 ZIP County Location Territory Jefferson Port Ludlow Kitsap Port Orchard Kitsap Port Orchard Jefferson Port Townsend Kitsap Poulsbo Pierce Puyallup Pierce Puyallup Pierce Puyallup Pierce Puyallup Pierce Puyallup Jefferson Quilcene Lewis Randle Kitsap Retsil P.O. Box Kitsap Seabeck Clallam Sekiu Clallam Sequim Kitsap Silverdale Kitsap South Colby P.O. Box Pierce South Prairie Kitsap Southworth P.O. Box Pierce Spanaway Pierce Steilacoom Pierce Sumner Pierce Bonney Lake Kitsap Suquamish Kitsap Tracyton P.O. Box Pierce Vaughn Pierce Wauna P.O. Box Pierce Wilkeson P.O. Box Pierce Longmire P.O. Box X Pierce Paradise P.O. Box X Pierce Tacoma P.O. Box X Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma P.O. Box X Pierce Tacoma P.O. Box X Pierce Tacoma Pierce Tacoma P.O. Box X Pierce Tacoma R.P.O Pierce Tacoma P.O. Box Pierce Tacoma X Pierce Tacoma P.O. Box Pierce Tacoma Pierce Tacoma Pierce Fife 2 Revised - January, 2008 Washington Page 22

23 ZIP County Location Territory Pierce Tacoma Pierce Tacoma R.P.O Pierce Fort Lewis Pierce McChord Pierce Tacoma Pierce Tacoma P.O. Box X Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma R.P.O Pierce Tacoma P.O. Box Pierce Tacoma P.O. Box Pierce Tacoma Pierce Tacoma Pierce Tacoma Pierce Tacoma P.O. Box Pierce Tacoma P.O. Box Pierce Tacoma R.P.O Pierce Tacoma P.O. Box Pierce Tacoma P.O. Box Pierce Tacoma P.O. Box Pierce Lakewood Pierce Lakewood Thurston Olympia Thurston Olympia Thurston Olympia Thurston Olympia R.P.O Thurston Olympia R.P.O Thurston Olympia Thurston Olympia P.O. Box X Thurston Olympia P.O. Box X Thurston Olympia P.O. Box X Thurston Tumwater P.O. Box X Thurston Olympia Thurston Olympia Thurston Olympia Grays Harbor Aberdeen Lewis Adna P.O. Box Mason Allyn Grays Harbor Amanda Park Pacific Bay Center P.O. Box Mason Belfair Pierce Bucoda P.O. Box Lewis Centralia Lewis Chehalis Lewis Cinebar Grays Harbor Copalis Beach Grays Harbor Copalis Crossing Grays Harbor Cosmopolis Lewis Curtis 5 Revised - January, 2008 Washington Page 23

24 ZIP County Location Territory Lewis Doty P.O. Box Thurston East Olympia P.O. Box Grays Harbor Elma Lewis Ethel Lewis Galvin P.O. Box Mason Grapeview Grays Harbor Grayland Mason Hoodsport Grays Harbor Hoquiam Grays Harbor Humptulips Pacific Lebam P.O. Box Mason Lilliwaup Thurston Littlerock P.O. Box Grays Harbor McCleary Thurston/Pierce McKenna P.O. Box Grays Harbor Malone P.O. Box Mason Matlock Pacific Menlo P.O. Box Grays Harbor Moclips P.O. Box Grays Harbor Montesano Lewis Mossyrock Lewis Napavine P.O. Box Grays Harbor Neilton P.O. Box Grays Harbor Oakville Grays Harbor Ocean Shores Lewis Onalaska Grays Harbor Pacific Beach P.O. Box Lewis PeEll Grays Harbor Quinault Thurston Rainier Pacific Raymond Thurston Rochester Pierce Roy Cowlitz Ryderwood Lewis Salkum Grays Harbor Satsop P.O. Box Mason Shelton Lewis Silver Creek Pacific South Bend Grays Harbor Taholah P.O. Box Mason Tahuya Thurston Tenino Pacific Tokeland Lewis Toledo Mason Union Lewis Vader Grays Harbor Westport Lewis Winlock Thurston Yelm Clark Amboy Klickitat Appleton 5 Revised - January, 2008 Washington Page 24

25 ZIP County Location Territory Cowlitz Ariel Clark Battleground Klickitat Bingen Clark Brush Prairie Clark Camas Cowlitz Carrolls P.O. Box Skamania Carson Cowlitz Castle Rock Wahkiakum Cathlamet Klickitat Goldendale Pacific Chinook P.O. Box Cowlitz Cougar Klickitat Dallesport P.O. Box Klickitat Glenwood Klickitat Goldendale Wahkiakum Grays River Clark Heisson P.O. Box Klickitat Husum P.O. Box Pacific Ilwaco Cowlitz Kalama Cowlitz Kelso Klickitat Klickitat Clark La Center Pacific Long Beach Cowlitz Longview Klickitat Lyle Pacific Nahcotta P.O. Box Pacific Naselle Skamania North Bonneville P.O. Box Pacific Ocean Park Pacific Oysterville P.O. Box Clark Ridgefield Wahkiakum Rosburg Pacific Seaview P.O. Box Cowlitz Silverlake Wahkiakum Skamokawa Skamania Stevenson Cowlitz Toutle Klickitat Trout Lake Skamania Underwood Clark Vancouver Clark Vancouver Clark Vancouver Clark Vancouver Clark Vancouver Clark Vancouver Clark Vancouver P.O. Box X Clark Vancouver R.P.O Clark Vancouver P.O. Box X Klickitat Wahkiacus Clark Washougal 5 Revised - January, 2008 Washington Page 25

26 ZIP County Location Territory Klickitat White Salmon Klickitat Wishram P.O. Box Cowlitz Woodland Clark Yacolt Clark Vancouver Clark Vancouver Clark Vancouver Clark Vancouver Clark Vancouver Clark Vancouver P.O. Box X Chelan Wenatchee Chelan Wenatchee Chelan Wenatchee P.O. Box X Chelan Ardenvoir P.O. Box Okanogan Brewster Douglas Bridgeport Okanogan Carlton Chelan Cashmere Chelan Chelan Chelan Chelan Falls P.O. Box Okanogan Conconully P.O. Box Chelan Dryden P.O. Box Chelan Entiat Grant Ephrata Grant George P.O. Box Chelan Leavenworth Okanogan Loomis Chelan Malaga Okanogan Malott P.O. Box Douglas Mansfield Chelan Manson Grant Marlin Okanogan Mazama P.O. Box Okanogan Methow Chelan Monitor P.O. Box Grant Moses Lake Okanogan Okanogan Okanogan Omak Douglas Orando Okanogan Oroville Douglas Palisades Okanogan Pateros Chelan Peshastin Grant Quincy Okanogan Riverside Douglas Rock Island Grant Soap Lake Chelan Stehekin P.O. Box Grant Stratford P.O. Box Okanogan Tonasket Okanogan Twisp 5 Revised - January, 2008 Washington Page 26

27 ZIP County Location Territory Grant Warden Douglas Waterville Okanogan Wauconda Grant Wilson Creek P.O. Box Okanogan Winthrop Yakima Yakima Yakima Yakima Yakima Yakima Yakima Yakima P.O. Box X Yakima Yakima P.O. Box X Yakima Yakima Yakima Yakima P.O. Box X Yakima Brownstown P.O. Box X Yakima Buena P.O. Box Kittitas Cle Elum Yakima Cowiche Kittitas Easton P.O. Box Kittitas Ellensburg Yakima Goose Prairie Yakima Grandview Yakima Granger Yakima Harrah Kittitas Kittitas P.O. Box Yakima Mabton Yakima Moxee Yakima Naches Yakima Outlook Yakima Parker P.O. Box Kittitas Ronald P.O. Box Kittitas Roslyn P.O. Box Yakima Selah Kittitas South Cle Elum P.O. Box Yakima Sunnyside Kittitas Thorp Yakima Tieton Yakima Toppenish Kittitas Vantage P.O. Box Yakima Wapato Yakima White Swan Yakima Zillah Spokane Airway Heights Spokane Chattaroy Spokane Cheney Spokane Colbert Spokane Deer Park Lincoln Edwall Spokane Elk Spokane Fairchild AFB Spokane Fairfield Stevens Ford Spokane Four Lakes P.O. Box 5 Revised - January, 2008 Washington Page 27

28 ZIP County Location Territory Spokane Freeman Spokane Greenacres Whitman Lamont Spokane Latah Spokane Liberty Lake Spokane Marshall P.O. Box Spokane Mead Spokane Medical Lake Spokane Mica Spokane Newman Lake Spokane Nine Mile Falls Spokane Otis Orchard Lincoln Reardan Spokane Rockford Spokane Spangle Lincoln Sprague Whitman Tekoa Stevens Tumtum P.O. Box Spokane Valleyford Spokane Veradale Spokane Waverly P.O. Box Stevens Wellpinit Stevens Addy Whitman Albion P.O. Box Lincoln Almira Whitman Belmont P.O. Box Adams Benge Ferry Boyds Stevens Chewelah Stevens Clayton Whitman Colfax Whitman Colton Stevens Colville Grant Coulee City Okanogan Coulee Dam Lincoln Creston Ferry Curlew Pend Oreille Cusick Ferry Danville Lincoln Davenport Okanogan Electric City Okanogan Elmer City P.O. Box Whitman Endicott Stevens Evans Whitman Ewan Whitman Farmington Stevens Hunters Whitman Garfield Stevens Gifford Grant Grand Coulee Lincoln Harrington 5 Revised - January, 2008 Washington Page 28

29 ZIP County Location Territory Grant Hartline Whitman Hay Stevens Hunters Ferry Inchelium Pend Oreille Ione Ferry Keller Stevens Kettle Falls Whitman Lacrosse Lincoln Odessa Ferry Laurier P.O. Box Lincoln Creston Stevens Loon Lake Whitman Malden P.O. Box Ferry Malo Stevens Marcus P.O. Box Pend Oreille Metaline P.O. Box Pend Oreille Metaline Falls Lincoln Harrington P.O. Box Okanogan Nespelem P.O. Box Pend Oreille Newport Stevens Northport Whitman Oakesdale Lincoln Odessa Ferry Orient P.O. Box Whitman Palouse Whitman Pullman Whitman Pullman R.P.O Whitman Pullman P.O. Box X Ferry Republic Stevens Rice Adams Ritzville Whitman Rosalia Whitman Saint John Stevens Springdale Whitman Steptoe P.O. Box Whitman Thornton Whitman Uniontown Pend Oreille Usk Stevens Valley Lincoln Wilbur Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane P.O. Box X Spokane Spokane P.O. Box X Spokane Spokane P.O. Box 5 Revised - January, 2008 Washington Page 29

30 ZIP County Location Territory Spokane Spokane Spokane Spokane P.O. Box X Spokane Spokane P.O. Box X Spokane Spokane P.O. Box X Spokane Spokane Spokane Spokane Spokane Spokane Spokane Spokane P.O. Box X Spokane Spokane P.O. Box X Spokane Spokane Spokane Spokane Spokane Spokane P.O. Box X Spokane Spokane R.P.O Spokane Spokane R.P.O Spokane Spokane Franklin Pasco Franklin Pasco P.O. Box X Benton Benton City Grant Beverly Klickitat Bickleton Walla Walla Burbank Walla Walla College Place Franklin Connell Adams Cunningham Columbia Dyton Walla Walla Dixie P.O. Box Franklin Eltopia Adams Othello P.O. Box Whitman Hooper P.O. Box Walla Walla Kahlotus P.O. Box Benton Kennewick Benton Kennewick Benton Kennewick Adams Lind Franklin Mesa Adams Othello Benton Paterson P.O. Box Benton Plymouth P.O. Box Garfield Pomeroy Walla Walla Prescott Grant Desert Aire Benton Prosser Benton Richland Benton West Richland Benton Richland Klickitat Roosevelt Grant Royal City Columbia Starbuck P.O. Box Walla Walla Touchet Walla Walla Waitsburg Walla Walla Walla Walla 5 Revised - January, 2008 Washington Page 30

31 ZIP County Location Territory Walla Walla Wallula P.O. Box Adams Washtucna Asotin Anatone Asotin Asotin Asotin Clarkston 5 Revised - January, 2008 Washington Page 31