Summary of Changes Log (Changes have been highlighted in green)

Date of Change Tab Change Found

e been highlighted in green)
Description
Programming/Just Clarification
Tab Subject
Tab 1 Summary of Changes
Tab 2 Index
Tab 3 Household page
Tab 4 Property Page
Tab 5 Coverage Page
Tab 6 Discounts and Surcharges for Coverage Page
Tab 7 Underwriting Questions
Tab 8 Point of Sale Page
Tab 9 Submit Page
Tab 10 View Reports Pop Up
Tab 11 3rd Party and Other Req
Tab 12 HO Forms Rules
Tab 13 Endorsement Display on Dec
Tab 14 Renewal
Tab 15 Inspection Requirements
Summary Description
This will hold any changes made to the requirements after final submission.

UI
UI
UI
UI
UI
UI
UI
New changes to add TICO and TigerCQ information
These are miscellaneous changes and/or 3rd party changes.

How each endorsement should be displayed on the Dec.

Requirements specific for this state
 Read
Mandatory Only Not always
Field # Field Field Field displayed?
Policy Workbench
1 Primary Insured
2 Reference Number
3 Property Address x

3rd Party Call: Clicking OK, runs Melissa Data, then takes scrubbed address and runs ISO Location
4 Policy Form x

5 Effective Date x

6 Agent Name x
Property Information
Is this a new home
7 purchase? x
Within 1000 ft of a fire
8 hydrant? x

# of months occupied per

9 year x
 10 # of Months Rented x
12 Applicant First Name x
13 Applicant Middle Name
14 Applicant Last Name x

15 Date of Birth (mm/dd/yyyy) x

16 Marital Status x
Credit Score Box
17 Run quote with Credit? x
Excellent If field #23 is
18 answered No
Above Average If field #23 is
19 answered No
Average If field #23 is
20 answered No

Below Average If field #23 is

21 answered No
Social Security Number If field #23 is
22 answered Yes

How long have you been If field #23 is

23 living at this address? x answered Yes
Current Residential If field #5 is
24 Address: x answered Yes
If field #29 is
answered Less
25 Prior Residential Address: x than 5 years
 To offer an accurate quote,
we will collect information
from consumer reporting
agencies, such as claims
and credit history reports.
Future reports may be used
to update or renew your
insurance. Does the
customer agree to having
these reports ordered for If field #23 is
26 the primary insured?* x answered Yes
3rd Party Call: Step 4: Buildfax, Step 5 : ISO 360Value Push Pin, Step 6: CDS/Corelogic, Step 7: Lexis Nexis NCF if run credit = Y.

General Rules
1 All mandatory fields must be filled in before agent leaves the page and any 3rd party requests made.
2 Address scrub must be done before any 3rd party requests made.
3 Consumer report disclosure must display if run credit = Y, with an indicator that customer agrees.

Run property address to find out if the address already exists in the system. 1. If yes, was it cancelled or non-renewed
send to u/w authorization. Give agent message: This property was previously insured with UPC and requires underwr
review. 2. If yes and it is active, make that a hard stop and give the agent a message: This address is already insured w
4 If required, submit an agent of record change.
 Selection Options

ress and runs ISO Location

Drop Down: HO3, HO5, HO6

Open text

Defaults to user that logs in. Displays available

licensed agents in agency when authorized to view.

Yes/No radio button

Yes/No radio button

Drop Down: 0,1,2,3,4,5,6,7,8,9,10,11,12

None, <1,1,2,3,4,5,6,7,8,9,10,11,12
Open text field
Open text field
Open text field

Open date field

Drop down with: Unmarried, Married

Yes and No

Open text field

Radio Buttons:
Less than 5 Years
5 years or more
 Radio Buttons: Yes/No
CDS/Corelogic, Step 7: Lexis Nexis NCF if run credit = Y.

age and any 3rd party requests made.

an indicator that customer agrees.

n the system. 1. If yes, was it cancelled or non-renewed. If yes,

was previously insured with UPC and requires underwriter
e the agent a message: This address is already insured with UPC.
Business Rules (UR = Underwriting Authorization, KO = Knockout) Display Error Message for Business rule

Validated with Melissa Data

1. Prefill with today's date

2. If effective date is more than 3 days prior to today's date, send to
underwriter authorization. (UR)
3. Effective date cannot be more than 60 days from today's date. 2. Effective Date is less than 3 days
4. We need to have the flexibility to allow internal users to change the from todays date and requires
effective day to a future date, but no more than 8 months in the underwriter review.
future. 3. Effective date greater than allowed.

Triggers the Current Residential Address question in Credit Score section.

Select the first class if Yes, and the second class if No

Home is not eligible due to number of

0,1,2 are ineligible (KO) months occupied.
If HO3 or HO5 selected, and anything Other than None selected, not Home is not eligible due to number of
eligible (KO) months rented.

Default selection to No

"Excellent" maps to credit score range 876-999

Above Average maps to credit score range 801-825

Average maps to credit score range 726-750

Below Average maps to credit score 651

Hash out after entered

When Less than 5 years, drop down the following fields

Run address scrubber on current mailing address

Run address scrubber on field # 23-26.

1. Yes - allow the agent to continue 2. You are not eligible as you answered
2. No - hard stop, display error message (KO) 'No' to the FCRA disclosure.

Rule 140 Previous Cancellations / Non-Renewals

 Available to
Agent by Endorsement Business Rule
Rating Endorsement? Endorsement Business Rule Edit Message

No

No

1. Agent user that is trying to back

date an endorsement prior to todays
date send to Underwriter 1. Backdating endorsement
Authorization (UR). requires underwriter
approval. Please add a note
2. Employee user with endorsement as to why endorsement is
No priveleges should not be sent to UW. effective prior to todays date.

No

No

No

This policy is no longer eligible

for an HO3 policy. The # of
months unoccupied is a
substantial change in risk.
Please submit an application
for a Dwelling Fire policy so
we can continue this valuable
Drives rating for Months coverage. A cancellation
Unoccupied (12-occupied = notice will be issued for this
# unoccupied) Yes 0,1,2 (UR) policy.
 This policy is no longer eligible
for an HO3 policy. The # of
months rented is a substantial
change in risk. Please submit
an application for a Dwelling
Fire policy so we can continue
this valuable coverage. A
If HO3 or HO5, and anything Other cancellation notice will be
Yes than None selected (UR) issued for this policy.
No
No
No
Field # 9 and 10 combine
to rate on Age of Insured
and Marital Status No

No

No

No

No

No

No

No

No

No
No
Notes Differences

Same
Same
Same

Not done yet: take answer from

wind and scrubbed address to run
"Whether the property is in a
closed area."

Same

Same

Same
Make field always
visible

Same
 Same
Same
Same
Same

Rule 420 Age of Insured and

Marital Status Same
Same

Same

Same

Same

Same
Below average
credit score
default changed

Same

Same

Same

Same
Same
 Mandatory Prefilled by 3rd
Field # Field Field Read Only Field party?
Location & Reports
1 County x x Melissa Data
Subcribes to Fire Subscription
3 Area UW Access only No

Do not display to the

agent, only allow
4 Policy Type internal users to view.

5 Roof Age x Buildfax

6 Distance to Coast x UW Access only Corelogic/CDS
7 Fire Protection Area Name x UW Access only ISO Location

2 Public Protection Class x x ISO Location

8 Policy Rating Tier x UW Access only
Dwelling Information

8 Year Built x Push Pin

9 Building Type x Push Pin

10 Construction Type x Push Pin

11 # of Stories x Push Pin

12 Prior Liability Limits x

13 # of units in firewall x
 Push Pin or Buildfax
(Secondary
resource, override
if push pin is
14 Roof Material x available)

15 # of family dwelling x

16 Roof Shape x Push Pin

Does dwelling have aluminum

17 siding? x

Is there a swimming pool Yes, by buildfax

18 located on the premises? 32 Q1016446815 permit
Does the dwelling have a wood
burning, pellet, or coal stove
19 and/or fireplace insert? x
 Do you certify that any of the
above are not the primary Yes, when
source of heat and complies Question 19 is
20 with current building code? Yes
# of Paid Claims in the last 3
21 years (not weather related) x
Replacement Cost

Calculate Replacement cost for

19 quote? x
If calculate
replacement
20 Total Living Area cost is Yes Push Pin

If calculate 360Value Statistical

replacement data for
21 Foundation Type cost is Yes replacement cost

If calculate 360Value Statistical

replacement data for
22 Kitchen Size cost is Yes replacement cost

If calculate 360Value Statistical

replacement data for
23 Garage Size cost is Yes replacement cost
If calculate
replacement
Pool cost is Yes

If calculate
replacement
24 Pool Size cost is Yes
 If calculate
replacement
25 Porch Size cost is Yes

If calculate
replacement
26 Full Screened Enclosure Size cost is Yes
If calculate
Calculate Replacement cost replacement
27 (button) cost is Yes

If calculate
replacement Populated by
28 Replacement Cost cost is Yes x 360Value answer

29 Connect to 360Value

General information:
Any options listed above are the options UPC wants listed. We will map out all options to 3rd party data.
Not always
displayed? Drop down options

n/a

Yes, No

Conversion, Assumption, Rollover, Voluntary

n/a

n/a

Open text field

Single Family Home, Townhouse, Rowhouse, Multi-Family

Home
Frame, Stucco on Frame, Masonry Veneer, Hardiplank,
Masonry, Stucco on Masonry, Superior Construction
1, 1.5, 2, 2.5, 3+, Bi-Level, Tri-Level

< $300,000, $300,000 - $499,999, $500,000 or greater,

Lapse, No Prior Liability Limit, 1st-Time owner

Displays when
Townhouse,
Rowhouse, Multi-
Family Home 1, 2, 3, 4, 5+
 Unknown
3-tab Composition Shingle
Architectural Composition Shingle
Clay/Concrete Tile
Slate
Aluminum
Copper
Steel
Wood Shingle
Wood Shake
Tar and Gravel
Built Up Roof
Corrugated Metal
Tin

1, 2, 3, 4, 5+

Unknown/Other, Flat, Gable, Hip, Partial Hip (between 75%

and 89% Hip), Gambrel, Mansard, Complex/Custom,
Reinforced Concrete Roof

If Field # 14 is
Aluminum,
Copper, Steel do
not display this
question.
Otherwise
display. Yes, No

Yes, No

Yes, No
Yes, when
Question 19 is
Yes Yes, No

0, 1, 2, 3+

If yes, drop down

replacement cost
fields (Field # 18 -
26) Yes, No
If calculate
replacement cost
is Yes Prefilled and open text

Basement
Shallow Basement  
Concrete Slab  
Crawlspace
Pier & Grade Beam
If calculate Elevated Post/Pier & Beam (Stilts)
replacement cost Stilts with Sweep Away Walls
is Yes Deep Pilings

Small - (9'x6')
If calculate Medium - (11'x10')
replacement cost Large - (15'x11')
is Yes X-Large - (18'x12')

None
1 Car (Up to 280 sq. ft.)
1.5 Car (281 - 396 sq. ft.)
2 Car (397 - 576 sq. ft.)
2.5 Car (577 - 672 sq. ft.)
If calculate 3 Car (673 - 780 sq. ft.)
replacement cost 3.5 Car (781 - 884 sq. ft.)
is Yes 4 Car (885 - 1040 sq. ft.)
If calculate None
replacement cost Indoor
is Yes Outdoor

Small (10X12 - 120 sq. ft.)

If calculate Medium (12X24 - 288 sq. ft.)
replacement cost Large (14X28 - 392 sq. ft.)
is Yes X-Large (16X32 - 512 sq. ft.)
 Small (10X12 - 120 sq. ft.)
If calculate Medium (12X24 - 288 sq. ft.)
replacement cost Large (14X28 - 392 sq. ft.)
is Yes X-Large (16X32 - 512 sq. ft.)

Small (10X12 - 120 sq. ft.)

If calculate Medium (12X24 - 288 sq. ft.)
replacement cost Large (14X28 - 392 sq. ft.)
is Yes X-Large (16X32 - 512 sq. ft.)
If calculate
replacement cost This will be a connection button to make a webservice call to
is Yes 360Value to retrieve replacement cost amount.

After Calculate
replacement cost
button is clicked

After Calculate This will be a hyperlink to connect to an external UI for

replacement cost 360Value. Not visible until the Calculate Replacement Cost
button is clicked button has been clicked.

rd party data.
 Display Error Message for Business
Business Rules (UR = Underwriting Authorization, KO = Knockout) rule

Allow UW to change. Display when Subscription Indicator = S. Default

answer to Yes.

Default to Voluntary. Allow internal users to change.

Refer to Buildfax business rules. Information is pre-filled from Buildfax.
Agent can override.

Refer to Corelogic/CDS business rules

Read only field for the agent, pre-filled by the information retrieved
from ISO Location
Show calculated rating tier

1. Pre-fill with pushpin

2. When not pre-filled - this will still be an open text field for the agent
to fill on thru the quoting system.

1. < $300,000 goes into the $100,000 rate, $500,000 a >= $300,000 2. Lapse in Coverage requires
rate. underwriter approval.
2. Lapse - Send to u/w authorization (UR) 3. Home is ineligible because there
3. No Prior Liability - Declined (KO) was no Prior Liability coverage.

1. 5+ is ineligible (KO) 1.Risk is ineligible due to # of Units

2. 3 or 4 units and Year Built is prior to 1975 and Construction Type = 2. Risk is ineligible due to # of Units,
Frame, Masonry Veneer, or Hardiplank (KO) Year Built and Construction
1. Unknown send to u/w review (UR)
2. Wood shingle, Shake, Tar and Gravel, Built Up Roof, Corrugated
Metal, or Tin (KO)
3. Roof age combined with Roof Covering Material will be declined
unless they meet the following:
* 20 years or newer if 3-tab composition shingle;
* 25 years or newer if architectural composition shingle; 1. Roof covering requires
* 30 years or newer if Aluminum, Copper, or Steel; or underwriter review.
* 40 years or newer if slate or tile. 2. Wood Shingle roof is ineligible.
4. When roof covering is Aluminum, Copper or Steel, add Non- 3. The roof age does not meet roof
Structural Hail Loss Limitation coverage. covering requirements.

1. Risk is ineligible due to # of

families
1. 5+ is ineligible (KO) 2. Multi-Family dwelling must be
2. If Dwelling type is Multi-Family, # of families cannot be = 1. listed as 2 or more families.

1. Home is not eligible due to roof

shape.
2. Flat roofs require underwriter
review. Attach a copy of a
1. Unknown are ineligible (KO) contractor's certificate of inspection
2. Flat UR Authorization (UR) or photos of the entire roof on the
2. Automatically select Hip Roof Discount when Hip is selected, on the Attachment tab in the
Coverage/Discount Page. Correspondence section.

If Yes selected = add Non-Structural Hail Loss Limitation coverage. If

No is selected, do not do anything

1. If the Pool size question is not equal to None, default this question
to Yes._x000D_
2. If a pool is on the premises, mark for inspection._x000D_
3. If this question is not marked Yes, and a building permit was found
(UR) _x000D_
4. If this question is not marked Yes, and the pool size question on the
Property Page is something other than None (UR)
5. Default question to Yes when pool permit found.
 Home is not eligible with
woodburning stove that is the
primary source of heat or does not
comply with the current building
No - Decline code.

3+ is ineligible Risk is ineligible due to # of claims.

This will become mandatory later in the process after the quick quote.

If pool = indoor then include pool in the replacement cost

If Pool = Indoor or Outdoor, pool size is mandatory

 Available to Agent by
Rating Endorsement?

No

No

No

No
No
No

No

No

No

No
No

used in tiering No

rating factor No
 No

rating factor No

No

When yes, Add Non-

Structural Hail Loss
Limitation coverage No

Yes Yes
When yes, apply
wood burning stove
surcharge
used in tiering No

Yes

Yes

Yes

Yes

Yes

Yes

Yes
Yes

Yes

Yes

Yes

Yes
 EN/RE Business Rule Edit
Endorsement/ Renewal Business Rule Message

Do not edit

Do not edit

Do not edit on EN or RE
Do not edit on EN or RE
Do not edit

Do not edit

1. Send to UW authorization if changed. Change to year built

requires underwriter
2. Do not edit on EN or RE if not changed. approval.

Do not edit

Do not edit
Do not edit

Do not edit

The # of units is ineligibe

1. 5+ or; 3 or 4 units and Year Built is prior to 1975 and Construction Type = for our Homeowners
Frame, Masonry Veneer, or Hardiplank (UR) program. Policy requires
2. Do not edit on RE underwriter review.
1. Unknown, Wood shingle, Shake, Tar and Gravel, Built Up Roof, Corrugated
Metal, or Tin (UR)
2. For roof age and roof covering combinations, do not edit on RE.
3. On Endorsement send to UR if home does not meet these combinations, Roof
age combined with Roof Covering Material:
* 20 years or newer if 3-tab composition shingle; 1 and 3 - Roof Covering
* 25 years or newer if architectural composition shingle; requires underwriter
* 30 years or newer if Aluminum, Copper, or Steel; or review. Please explain in
* 40 years or newer if slate or tile. the notes why roof
4. When roof covering is changed to Aluminum, Copper or Steel, add Non- covering material is being
Structural Hail Loss Limitation coverage. changed.

# of families requires
5+ send to UW underwriter review.

This policy is no longer

eligible for a homeowners
policy. The Roof Shape is
a substantial change in risk
and requires underwriter
Unknown or Flat would go to Underwriter Referral. Do not edit unless changed. review.

do not edit

3. Buildfax permit found

for a pool and it was
indicated that the pool
size is None.
4. Build fax pool permit
found for a pool and Is
there a swimming pool
question at point of sale
page was answered No.

No
Send to Underwriter referral – “This policy is no longer eligible for an HO3 policy.
The wood burning stove as the primary source of heat and/or not complying with
building code is a substantial change in risk. A cancellation notice will be issued
for this policy.”

do not edit
Notes Differences

This field name is changeable by state (i.e. LA is Parish) Same

Same

Same

Rule 510 Roof Age Same

Rule 1030
UW can change this field. It becomes an open text field
Rule 145 for Split Classes Same

Removed insurance score

and age of home business
rule. This may have been
taken out of GA already
and no change may be
needed.

added Multi-Family option

Same
Same

Removed Umbrella from

options

New, Similar to CT
The following roof materials are being added and need to
be mapped for 360Value:
Wood Shake - Map to W
Tar and Gravel - Map to BUP
Built Up Roof - Map to BUPNG
Corrugated Metal - Map to MTLC
Tin - Map to MT New Options

New

Flat roof to UW

Same
Same

Same

Same

Same

Same

Same

Applies to HO3 and HO5

 Same

Same

Same

This is required for binding and Coverage A must be

validated. Same

Same
Field Insurance
# Field Type (ASLOB) Sublines Selection type
Mandatory Coverages
HO3 and Open text
HO5 field, rounded
to nearest
thousand

1 Coverage A - Dwelling Homeowners

HO3 and Secured field
2 Calculated Replacement Cost HO5

HO3 and
3 Coverage B - Other Structures Homeowners HO5 drop down

HO3 and
4 Coverage C - Personal Property / Contents Homeowners HO5 drop down
HO3 and
5 Coverage D - Loss of Use Homeowners HO5 drop down

6 Coverage E - Personal Liability Homeowners All Forms drop down

7 Coverage F - Medical Payments to Others Homeowners All Forms drop down

HO3 and
8 Coverage A - Inflation Guard Homeowners HO5 drop down
Deductible
9 All Other Perils Homeowners HO3, HO5,

Deductible Amount
9a Deductible Percentage Homeowners

10 Windstorm Homeowners HO3, HO5,

 Deductible Amount
10a Deductible Percentage Homeowners drop down
Package Coverages (Select ony one)

HO3 and
11 Premier Endorsement Homeowners HO5 Radio Button

HO3 and
12 Premier Plus Endorsement Homeowners HO5 Radio Button
Optional Coverages
 Limited Fungi, Wet or Dry Rot or Bacteria
13 Coverage Homeowners HO3, HO5 Drop Down
15 Increased Ordinance or Law Homeowners HO3, HO5 drop down

Coverage A - Additional Amounts of

16 Coverage Homeowners HO3,HO5 drop down

Personal Property Replacement Cost Loss yes/no check

17 Settlement Homeowners HO3,HO5 box
yes/no check
18 Home Systems Protection Homeowners HO3, HO5 box

Functional Replacement Cost Loss HO3 and yes/no check

19 Settlement Homeowners HO5 box
Identity Theft Expense and Resolution
20 Services Homeowners All Forms Drop down

Limited Water Backup and Sump Discharge

21 or Overflow Homeowners All Forms 2 drop downs
22 Limited Water Damage Coverage Homeowners HO3, HO5 drop down

24 Animal Liability Homeowners All Forms drop down

23 Residence Held in Trust Homeowners All Forms Read only

14 Lead Paint Liability Exclusion 4.0 All Forms Radio Button

Other Members of Named Insured's HO3, HO5
Household Homeowners and HO6 drop down
yes/no check
Service Line Coverage Homeowners HO3, HO5 box

yes/no check
Refrigerated Personal Property All Forms box
Additional Optional Coverages (this section displays the more commonly used coverage

1. Yes/No
Check box
2. Open Text
Field
Coverage B - Other Structures Increased HO3 and 3. Open Text
25 Limits Homeowners HO5 Field

1. Yes/No
2. drop down
26 Golf Cart Physical Damage and Liability Homeowners All Forms 3. drop down

Off Premises Theft Coverage - New York HO3, HO6 Yes/No

1. Yes/No
2. open text
27 Home Computer Coverage Homeowners All Forms field

HO3, HO5,
28 Loss Assessment Coverage Homeowners HO6 drop down
 Automatically
selected based
on property
characteristics
fields for Roof
Covering or
Does Dwelling
have
HO3, HO5, Aluminum
29 Non-Structural Hail Loss Limitation Homeowners HO6 Siding.

1. Yes/No
Check box
Other Structures - Rented to Others on HO3 and 2. Open Text
30 Residence Premises Homeowners HO5 Field

1. Yes/No
Selection
2. Drop Down
3. Drop Down
4. Drop Down
5. Yes/No
HO3, HO5, Selection
31 Outboard Motors and Watercraft Liability Homeowners HO6
32 Personal Injury Homeowners All Forms Secured field

Check box or
yes/no to
select and
expanded
coverage
information
for
33 Personal Property - Increased Special Limits Homeowners All Forms description.
Yes/No to
34 Earthquake Earthquake All Forms select
34a Deductible Amount drop down

34b Include Loss Assessment Coverage Radio Button

yes/no check
Refrigerated Personal Property All Forms box

Replacement Cost - Loss Settlement Non-

building structures HO3, HO5 drop down

Check box or
yes/no to
select and
expanded
coverage
information
for
35 Scheduled Personal Property Inland Marine All Forms description.

35 Property Type
35 Antiques
35 Bicycles
Cameras & Projection Equipment (non-
35 professional)
35 Coins
35 Fine Arts (Breakage)
35 Fine Arts (non-breakage)
35 Furs
35 Golfers Equipment

35 Guns - Collectible
35 Guns - Fired/Not Collectible

35 Jewelry

35 Jewelry in vaults or safety deposit box

35 Miscellaneous Personal Property
35 Musical Instruments
35 Other Sports Equipment
35 Silverware
35 Stamps

General Rules for coverages:

1. Premium for each coverage should be stored with the coverage.

2. Minimum Premium: $100
Selections in Drop Down or Radio Mandatory
Buttons Defaults Minimum Maximum Coverage

N/A N/A $150,000 $1,000,000 Yes

N/A N/A N/A N/A N/A

2%, 10% 2% 2% of A 10% of A Yes

0% - 75% in 5% increments 30% 0% of A 75% of A Yes

10%, 20%, or 30% 10% 10% of A 30% of A Yes

$100,000, $300,000, $500,000,
$1,000,000 $300,000 $100,000 $1,000,000 Yes

$1,000, $2,500, $5,000 $5,000 $1,000 $5,000 Yes

2%, 4%, 6%, or 8% 2% 2% of A 8% of A Yes

Amount
Percentage

$500, $1,000, $2,500

1%, 2%, 5% $1,000 $1000/1% $2500/5% Yes

Amount
Percentage
$500, $1,000, $2,500
1%, 2%, 5% $1,000 $1000/1% $2500/5% Yes

Yes
No No N/A N/A No

Yes
No No N/A N/A No
Basic/Default ($20,000)
Option 2 ($50,000) Basic/Default N/A N/A Yes
25%, 50% No

25% or 50% 25% of A 50% of A No

Default as
selected, but
can be
N/A unchecked N/A N/A Yes

N/A N/A N/A No

N/A No N/A N/A No

not selected, $25,000 N/A $25,000 No

Drop down 1 is Basement Type.

Options: None, Unfinished, Partially
Finished, Finished. Drop down to is
Limit: Options are: $5,000, $10,000,
$25,000; Deductible should be
calculated as $1,000 or the AOP
deductible, whichever is greater.
Deductible should be shown in secure
field N/A $5,000 $25,000 No
Not Selected, $10,000 N/A N/A No

Not Selected, $50,000, $100,000,

$300,000, $500,000 50,000 N/A N/A No
 Automaticall Automatically
y selected selected when
when Applicant type
Applicant is Trust and
type is cannot be
Trustee unselected.

Yes Yes based on Yes based on

No business rule N/A N/A business rule
Not selected, 1 person, 2 people, 3
people, 4 people Not selected 4 No

N/A N/A N/A No

$500 limit shown on screen and $100

deductible shown on the screen. N/A N/A No
more commonly used coverages)

1. Yes/No Selection to Select

Coverage
2. Limit Open text field
3. Description Open text field
75% of A No

Drop down 1 is Number of Golf Carts:

1 or 2; Drop down 2:
Option 1 (Cov C $5,000, Cov E $50k,
Cov F $5k)
Option 2 (Cov C $5,000, Cov E $100k,
Cov F $5k). N/A N/A N/A No

Yes/No to select coverage Default to No N/A N/A No

N/A N/A $1,000 $20,000 No

$5,000
$10,000
$25,000
$50,000 $5,000 $50,000 No
1. Yes/No Selection to Select
Coverage
2. Description Open text field N/A No

1. Coverage Selection - Yes/No

2. Type of Boat (Drop Down):
Outboard, Inboard,
Inboard/Outboard, Sailboat
3. Length (Drop Down): 0-15 feet, 15 -
26 feet, 26 - 40 feet, Over 40 feet.
4. Horsepower (Drop Down): Up to
50, 51 - 100, 101 - 150, 151 - 200,
Over 200, Not Applicable
5. Have you been convicted of a DUI
in the past 3 years?: Yes/No N/A N/A No
display Coverage E limit N/A N/A No

1. Jewelry,
Watches,
Furs -
$19,000
2. Money -
$800
3. Securities
1. Jewelry, - $1,500
Watches, 4. Firearms -
Furs - $1,000 $4,000
2. Silverware, Silverware,
Goldware & Goldware &
Display total scheduled amount in Pewterware - Pewterware
protected field $1,000 - $7500 No
Do not display If construction type is
Masonry No
5%
10%
15% Yes when
20% Earthquake =
25% 5% Yes

Default to Y if
Earthquake
is selected
and agent
selected Loss Yes when
Yes Assessment Earthquake =
No Coverage Yes

$500 limit shown on screen and $100

deductible shown on the screen. N/A N/A No
Not selected
Pools
All other Not selected N/A N/A No

$150,000 or
Display total scheduled amount in 50% of Cov
protected field N/A C N/A

No
No

No
No
No
No
No
No

No
No

No

No
No
No
No
No
No
Business Rule
(KO = Knockout, UR = Underwriter Authorization)

1. Coverage A cannot be below minimum

2. Coverage A above maximum should be referred to underwriting.
Displays and Pre-fills when the replacement cost was calculated on the
Property page.

HO3 and HO5

IF Cov A is between 150k and 1 Million, minimum ded =1,000
If Cov A greater than 1 Mil, min ded = $2,500
HO6 Min Deductible = $1,000

Deductible cannot be less than the AOP deductible.

1. When this coverage is selected, lock down the following coverages:
Inflation Guard, Personal Property Replacement Cost, Increased Limits
Personal Property for Jewelry, Watches and Furs, refrigerated personal
property and Personal Injury should not be able to be selected.
2. Hide if the # of claims is 1 or more in the last 3 years
3. Can only be available if the coverage A is at least 100% of Replacement
Cost

1. When this coverage is selected, lock down the following coverages:

 Inflation Guard, Coverage A - Additional Amounts of Coverage,  Increased
Limits Personal Property (this should be defaulted to 70%), Personal
Property Replacement Cost, Personal Injury, Loss Assessment, and
increased limits personal property, refrigerated personal property
2. Hide if the # of claims is 1 or more in the last 3 years
3. Only available if the coverage A is at least 100% of Replacement Cost
and a Minimum Cov A of $200,001
Must be at 100% of replacement cost to keep this coverage. If Coverage A
is not > or equal to the replacement cost amount in property
characteristics, then do not allow agent to add coverage. (HS)
If replacement cost has not been run yet, allow the agent to continue as
normal.

Do not display the Coverage A - Additional Amounts of Coverage or the

two Package options when this coverage is selected.

Not available when UPC 620 Limited Water Damage Coverage is on the
policy
When # of families is greater than 1, Year Built is prior to 1978, and # of
months rented is greater than none, automatically select this coverage.
If agent unselects the coverage, send to Underwriter Authorization (UR)
When resident relatives who are members of the insured's household and
under the age 0f 21 are in the care of the insured.

Cannot be selected when Premier or Premier Plus endorsement have been

selected

1. This coverage combined with the Coverage B limit (Field #2) cannot be
more than the maximum (HS).
2. Coverage B must be at 10% before this coverage is added. (handle
either by message (HS) or by hiding/making the coverage unselectable)

IF home is located in Bronx, Kings, Nassau, New York, Putnam, Queens,

Richmond, Rockland, Suffolk, or Westchester Counties, THEN default to
'NO'. HO 32 95 Off Premises Theft Exclusion should attach to policies.
If Yes is selected, HO 32 95 should not attach.
Coverage should only display when address is in one of the counties listed
above.
Coverage is not available for HO5

1. $1,000 Increments
2. Coverage cannot be below the minimum or above the maximum (HS)
When roof covering is Aluminum, Copper or Steel, add Non-Structural Hail
Loss Limitation coverage. Or Does Dwelling have Aluminum Siding = Yes

Ineligible if: 1. HP is 151 - 200 and length 0 - 15 feet; 2. HP over 200; 3.

Type is Sailboat and length is over 40 feet. 4. If: "been convicted of a DUI
in the past 3 years" is Yes - All 4 (HS). Unselect the coverage and give the
agent the message.
Sailboat length needs to be greater than 26 feet
Coverage limit = Coverage E limit

1. Jewelry, Watches, Furs - Cannot be more than $20,500

2. Silverware, Goldware & Pewterware - Cannot be more than $10,000
(HS).
3. Money - Cannot be more than $1,000
4. Securities - Cannot be more than $3,000
5. Firearms - Cannot be more than $6,500 (HS).
6. Portable Electronic Equipment in or upon a motor vehicle - Cannot be
more than $6,000 (HS).

7. Total Limit > $10,000 must have a central station burglar alarm discount.
If one doesnt exist (HS).
Only display if Loss Assessment is covered on the policy.

Cannot be selected when Premier or Premier Plus endorsement have been

selected

1. If total schedule limit is > $50,000 and a central station burglar alarm
discount does not exist (UR)
2. If total schedule limit is > $150,000 or > 50% of the Coverage C limit,
whichever is less (UR)

If any one item is > $25,000 (UR)

1. If any one item is > $10,000 (UR)

2. If total category limit for Guns - Collectible and Guns - Fired/Not
Collectible is > $20,000 (UR)
1. If any one item is > $10,000 (UR)
2. If total category limit for Guns - Collectible and Guns - Fired/Not
Collectible is > $20,000 (UR)

If any one item > $50,000 (UR)

If any one item > $50,000 (UR)

 Available
to Agent
by
Endorsem
Business Edit Message ent

1. Message: Coverage A is below minimum

required. Home is ineligible for coverage.
2. Message: Coverage A exceeds binding authority
and requires underwriter review. Yes

Tool tip - By selecting 10% coverage, you can avail

more percentage in the optional coverage 'Other
Structures - Increased Limits'.

Replacement Cost for a pool is available with

endorsement HO 04 03 – Replacement Cost
Settlement for Certain Non-Building Structures On
The Residence Premises. Yes

Yes

Yes

Yes

Yes

Yes

Yes

Wind deductible cannot be less than the All Other

Perils deductible No
Yes

Yes
 Yes
Yes

Message: Coverage A must be at 100% of

replacement cost to add Coverage A - Additional
Amounts of Coverage. Yes

Yes

Yes

Yes

Yes

Yes
Yes

Yes, same
business
rules as
NB
 Yes

Home requires underwriter approval to remove

Lead Paint Liability Exclusion. Attach a copy of the
certification showing home is free of existing lead
hazards on the Attachment tab in the
Correspondence section. Yes

Yes

Yes

1. Message: Other structures is greater than

maximum permitted.
2. Message: Coverage B must equal 10% to add
additional coverage. Yes

Yes

Yes

Minimum message: Home Computer Coverage is

below the minimum required.
Maximum message: Home Computer Coverage is
more than the maximum allowed. Yes

Yes
 Yes

Yes

For 1, 2, 3: Boat does not qualify for Outboard

Motors and Watercraft coverage.
For 4: Ineligibile for coverage due to prior DUI. Yes
Yes

1. The Jewelry, Watches and Furs unscheduled

limit has been exceeded. These items must be
scheduled under the Personal Property Scheduled
endorsement or the limit reduced.
4. The Silverware, Goldware & Pewterware
unscheduled limit has been exceeded. These
items must be scheduled under the Personal
Property Scheduled endorsement or the limit
reduced. Yes

Yes
 Yes

Yes

Yes

Yes

1. Total schedules over $50,000 must have

evidence of burglary/theft protection.
2. Total Schedule is greater than maximum
permitted. Yes

Single Fur exceeds the maximum permitted.

1. Total scheduled limit for Guns - Collectible

exceeds the maximum permitted.
2. Total scheduled in the category of Guns
exceeds the maximum permitted.
1. Total scheduled limit for Guns - Fired/Not
Collectible exceeds the maximum permitted.
2. Total scheduled in the category of Guns
exceeds the maximum permitted.
Individual scheduled Jewelry item exceeds the
maximum permitted.
Individual scheduled Jewelry item exceeds the
maximum permitted.
Endorsement (EN)/ Renewal (RE) Business Rule

1. Coverage A cannot be below minimum (HS)

2. Coverage A above maximum should be referred to underwriting.
(UW)
4. Do not edit for difference between replacement cost on RE,
unless being changed by EN.

Deductible cannot be less than the AOP, if AOP changed.

1. When this coverage is selected, lock down the following
coverages: Inflation Guard, Personal Property Replacement Cost,
Increased Limits Personal Property for Jewelry, Watches and Furs,
refrigerated personal property, and Personal Injury should not be
able to be selected.
2. Hide on Endorsement if not already selected and if the # of claims
is 1 or more.
4. Do not edit for Renewals or remove this coverage at renewal. The
edit would only apply to a change to the coverage or adding after a
claim is shown.

1. When this coverage is selected, lock down the following

coverages:  Inflation Guard, Coverage A - Additional Amounts of
Coverage,  Increased Limits Personal Property (this should be
defaulted to 70%), Personal Property Replacement Cost, Personal
Injury, Loss Assessment, and increased limits personal property,
refrigerated personal property
2. Hide on Endorsement if not already selected and if the # of claims
is 1 or more, or Coverage A is not $200,001 or more.
3. Do not edit for Renewals or remove this coverage at renewal. The
edit would only apply to a change to the coverage or adding after a
claim is shown.
Must be at 100% of replacement cost to keep this coverage. If
Coverage A is not > or equal to the replacement cost amount in
property characteristics, then do not allow agent to add coverage.
(HS)
If replacement cost has not been run yet, allow the agent to
continue as normal.

Renewal Policy Endorsement - if Coverage A has not been changed,

do not edit and allow agent to select the coverage, as they are
considered at 100%

Renewal Policy Offer - Do not edit.

Renewal - do not edit.
Endorsement - When # of families is greater than 1, Year Built is
prior to 1978, and agent unselects the coverage, send to
Underwriter Authorization (UR)

Cannot be selected when Premier or Premier Plus endorsement

have been selected

IF home is located in Bronx, Kings, Nassau, New York, Putnam,

Queens, Richmond, Rockland, Suffolk, or Westchester Counties,
THEN default to 'NO'. HO 32 95 Off Premises Theft Exclusion should
attach to policies.
If Yes is selected, HO 32 95 should not attach.
Coverage should only display when address is in one of the counties
listed above.

1. $1,000 Increments
2. Coverage cannot be below the minimum or above the maximum
(HS)
Do not add unless the two trigger questions are changed to trigger
(display message to user. Do not send to uw or HS)

Ineligible if: 1. HP is 151 - 200 and length 0 - 15 feet; 2. HP over 200;

3. Type is Sailboat and length is over 40 feet. 4. If: "been convicted
of a DUI in the past 3 years" is Yes - All 4 (HS). Unselect the
coverage and give the agent the message.
Cannot be selected when Premier or Premier Plus endorsement
have been selected

1. If total schedule limit is > $50,000 and a central station burglar

alarm discount does not exist (UR)
2. If total schedule limit is > $150,000 or > 50% of the Coverage C
limit, whichever is less (UR)
Endorsement Business Rule Edit Message

Wind deductible cannot be less than the All Other Perils deductible
Message: Coverage A must be at 100% of replacement cost to add
Coverage A - Additional Amounts of Coverage.
Home requires underwriter approval to remove Lead Paint Liability
Exclusion. Attach a copy of the certification showing home is free of
existing lead hazards on the Attachment tab in the Correspondence
section.

Minimum message: Home Computer Coverage is below the minimum

required.
Maximum message: Home Computer Coverage is more than the
maximum allowed.
The Non-Structural Hail Loss Limitation Endorsement has been added to
the policy due to the change in roof covering material and/or Aluminum
Siding.

For 1, 2, 3: Boat does not qualify for Outboard Motors and Watercraft
coverage.
For 4: Ineligibile for coverage due to prior DUI.
1. Total schedules over $50,000 must have evidence of burglary/theft
protection.
2. Total Schedule is greater than maximum permitted.
Notes

Max binding of
1.5 mil

Same

Same
0% has been
added back. TMS
5/3/17.
10% has been our
default.

Added $10,000
limit.

Same

Same

Added $500
amount and
removed 3%
percentage

1. New Deductible
Name
2. Removed Wind
and Hail Exclusion
rule, there is no
wind exclusion
 Added $500
amount and
removed 3%
percentage

Print under the display of this coverage on the quote page and application, but not
the dec, the following:
 
Premier Package
                Inflation Guard 4%
                Personal Property Replacement Cost Coverage
Personal Injury Liability
                Property Damage to Property of Others – Increased to $1,000
                Loss Assessment – Increased to $2,500
                Lock Replacement due to lost or stolen keys – Limit of $250 per occurrence
                Fire Department Service Charge – Increased to $750
                $500 reward for information leading to theft conviction from covered loss
Coverage D extended one week for loss due to civil authority or power
interruption
Increased Special Limits of Liability
Name different

Print under the display of this coverage on the quote page and application, but not
the dec, the following:
Premier Plus Package
                Additional Amounts of Coverage A – Limit of 25% of Coverage A
                Inflation Guard 4%
                Coverage C – Personal Property – Limit increased to 70% of Coverage A
                Personal Property Replacement Cost Coverage
                Personal Injury Liability
                Property Damage to Property of Others – Increased to $1,000
                Loss Assessment – Increased to $5,000
                Refrigerated Products loss due to power failure – $500 per occurrence
                Lock Replacement due to lost or stolen keys – Increased to $500
                Fire Department Service Charge – Increased to $1,000
                Tree Debris Removal – Increased to $2,000 (max of $500 per tree)
                Extended theft coverage for residence premises occasionally rented to
others
                $500 reward for information leading to theft conviction from covered loss
 Coverage D extended one week for loss due to civil authority or power
interruption
 Increased Special Limits of Liability
Name different
 Different options
Same

Same

Same

Same

Remove the
automatic
selection and
allow agent to
select.

Same

Deductible change.
Same

TMS 5/3 - Move coverage selection from Additional Optional Coverages to

Optional Coverage Section
Rule 610
Rule 860 Same

Mark might amend manual to include this coverage Remove

Same

Rule 650 Only one Golf Cart

Rule 725

Rule 660 Free form $ amount in thousands. Maximum of $20,000 Same

Added $25k and

$50k Limit
Same

UI Functionality is incorrect
Same

New
 New

New

Mark might amend manual to include this coverage Remove

Please verify this

coverage is going
under 9.0 for all
Rule 800 states.

Should be able to add multiple items in the same category, free form
description, limit in 100's. The sum of the premium for each category, i.e.
Jewelry is one category, Furs is one category, etc. must be stored and printed
on the Dec.
tible change.
tionality is incorrect
Field # Field Selection Type
How will you be paying for the policy?

1 Payment Type Discount Drop Down

2 Bill to at Renewal Drop Down

Discounts

3 Roof Age

4 Fire Protective Devices Credit Radio buttion

Sub
Category of
4 Fire Alarm Discount Drop Down
Sub
Category of
4 Automatic Sprinklers Discount Drop Down
 4 Go Paperless Discount (e-delivery) Radio Button

5 Companion Policy Discount Radio Button

Sub
Category
of4 Auto (same agency of record) Radio Button
Sub
Category of
4 Flood (UPC Policy only) Radio Button
Sub
Category of
4 Umbrella Radio Button

Secured Community and Theft Protection

5 Discount Radio Button
Sub
Category of
5 Theft/Burglar Alarm Discount Drop Down
Sub
Category of Gated Secured Community
5 Discount Radio Button
6 Renovation Discount Radio Button
Sub
Category of
6 Wiring (within the last 5 years) Drop Down
Sub
Category of
6 Plumbing (within the last 5 years) Drop Down
Sub
Category of Hot Water Tank (within the last 5
6 years) Drop Down
Wind Mitigation Discounts (check all that apply)

7 Hip Roof Discount Radio Button

7 Wind/Opening Protection Discount Radio Button

 Smart Home - Water Protection Discount Drop Down
General rules for discounts
1. Maximum Discount and Surcharge Rule: The discounts are maxed out multplicatively. This can be determined by multiplyin
2. The $ amount of the discount should be stored with each discount and retrievable via query. The % of the discount should
 Read-only
Drop Down Selection

Not Selected
EFT (2, 4, 10 pay plan)
Installment Plan Paid by Credit Card (Automatic
Renewal)
Installment Plan Paid by Check Non-EFT
Bill Mortgage for New Business
Paid in Full Credit Card (Automatic Renewal)Paid
in Full Check Non-EFT
Paid in Full by EFT (Automatic Renewal)

Mortgagee
Insured

Yes/No

Not Selected
Central
Direct
Local
Not Selected
Full
Partial
 Yes/No

Yes/No

Yes/No

Yes/No

Yes/No

Yes/No
Not Selected
Central
Local

Yes/No
Yes/No
Not Selected
Partial Renovation
Complete Renovation
Not Selected
Partial Renovation
Complete Renovation
Not Selected
Partial Renovation
Complete Renovation
ply)

Yes/No x

Yes/No
 None
Level 1 – Sensor with Notification
Level 2 – Sensor with Shut-Off
Level 3 – Water Flow Monitor with Shut-Off

xed out multplicatively. This can be determined by multiplying the factors together. Once the discounts have maxed out, they should just
unt and retrievable via query. The % of the discount should also be stored.
Rules Edit Message

Mandatory - An answer must be selected and only one

can be selected.

Mandatory Field:
1. If Bill Mortgage was selected for Payment Type
discount, default to Mortgage (with option to select
Insured), otherwise leave blank and require an answer.

Automatically selected based on answer from buildfax

combined with age of home. The discount will not be Risk requires underwriter review. Roof age
displayed on the discount page, but should printed on must be verified prior to binding. Please upload
the quote and application. proof.

1. Only one in each category should be selected (i.e. Fire

Alarm can only have one of the options selected). 2. Protective Devices Credit selected, but Fire
2. Do not allow this to be yes if nothing is selected as a Alarm and/or Automatic Sprinkler Type not
subcategory. selected.
Automatically selected as Yes, but agent can change to
No

1. Only one in each category should be selected

2. Do not allow this to be yes if nothing is selected as a 2. Protective Devices Credit selected, but Fire
subcategory. Alarm and/or Automatic Sprinkler Type not
3. Each category can have one option selected. selected.

1. Only one in each category should be selected

2. Do not allow this to be yes if nothing is selected as a 2. Protective Devices Credit selected, but Fire
subcategory. Alarm and/or Automatic Sprinkler Type not
3. Each category can have one option selected. selected.

Automatically selected based on roof shape of Hip only.

Cannot be selected manually. Not eligible with Partial
Hip.

Open for selection

 Open for selection
32 Q1016258996
actors together. Once the discounts have maxed out, they should just receive a 1.00 factor. The discounts should still display and be on th

0
Wording to Print on Quote Available to Agent by Endorsement Business Endorsement Business
page and Application Endorsement Rule Rule Edit Message

Payment type discount No

Yes

Roof Age Discount

Protective Devices Credit Yes

If any one of the 3 (up to all 3)
are selected, just print
Companion Policy Discount one
time Yes

Secured Community and Theft

Protection Discount Yes

Renovation Discount Yes

Hip Roof Discount

Wind/Opening Protection
Discount Yes
 Smart Home - Water Protection
Discount Yes

should still display and be on the policy. Not every discount is included in the maximum.
Notes Differences

Added
automatic
renewal
wording.
Added Paid in
Full by EFT
option. (This
can be
backfilled to
Additional $10 EFT credit applies other States).

Backfill to CT, TX, and GA

Backfill to HI, but this should be
added on the Submit screen
with the payment plans, not the
coverage page.
*For existing business in the
current states of CT, GA, HI and
TX, if Bill Mortgage for New
Business was selected, map to
Mortgagee, otherwise map to
Insured New

Same

The
requirement #
2 was never
done. Please
correct and
backfill to all
other states.

Same

Same
per Mark not in NY Remove

The
requirement #
2 was never
done. Please
correct and
backfill to all
other states.

Same

Same

Same

The
requirement #
2 was never
done. Please
Rule 530 correct and
The combination of the 2 backfill to all
generate one discount other states.

Removed Direct

Same
New

New

New

New

Rule 460 Hip Roof Disc Same

Rule 540 Wind Opening
Protection Same
Rule 525 Smart Home - Water
Protection Discount
Requirement ID Requirement Category Requirement NY
RRS 1. General Requirements
RRS 1.1 # of days for Renewal Offer 35
RRS 1.2 # of days for Non-Renewal 50

# of days renewal can

remain active until
# of days to allow for payment Renewal Notice of No
RRS 1.3 when mortgage billed Coverage is issued. 7
RRS 1.4 TICO Place Codes n/a

Should only be printed if

the policy does not fall
Adverse Action Notice and into the highest credit
Appeal Form range, or it has counted
claims in rating from the
CLUE report (not manual
RRS 1.5 claims). x
Change the Prior Liability
to the liability limit on
RRS 1.6 Prior Liability Limits the prior term. On the 3rd year
RRS 2. Coverages

The coverage A should

be increased by the
percentage on the
Coverage A change by inflation Inflation Guard coverage
and the new coverage A
RRS 2.1 limit used for rating. x
RRS 2.2 Package coverages that have inflation
RRS 2.3 Premier Package - 4% x
RRS 2.4 Premier Plus - 4% x

If the home is switching

Functional Replacement Cost
from 50 to 51 years old,
the Functional
Replacement Cost Loss
Settlement coverage
should be added onto
the policy.

RRS 2.5 n/a

Send Notice of Change in
RRS 2.6 Policy Terms n/a

Additional Amounts of Coverage

A Remove when Functional
RRS 2.7 Replacement Cost added n/a

Premier Plus Package

Endorsement Remove when Functional
RRS 2.8 Replacement Cost added n/a
 Premier Endorsement Remove when Functional
RRS 2.9 Replacement Cost added n/a

Premier Plus Package Remove when a claim

Endorsement has occurred during the
RRS 2.10 year. No
Remove when a claim
Premier Endorsement has occurred during the
RRS 2.11 year. No
RRS 3. 3rd Parties

Run when renewal quote

is first being created and
before any other 3rd
RRS 3.1 Melissa Data party calls are made.  x
RRS 3.2 ISO Location

1. Update the Protection

Class with the new class
found.
2. If the protection class
changes from a single
class to a split class, and
we do not have the
answer to the hydrant
question, refer to
underwriter referral for
RRS 3.3 Protection Class verification. x

Update the Property

Located in the Windpool
field on the Property
page.  Do not update the
wind/hail exclusion
RRS 3.4 Windpool Eligibility coverage.  No
RRS 3.5 BCEGS No
RRS 3.6 Territory No
RRS 3.7 Premium Tax No

1. Run 120 days before

expiration date on
policies that were a zip
code match
2. Send to uw review if in
RRS 3.8 Lava zone 1 and 2  No
See Renewal Business
RRS 3.9 Buildfax Requirements x
RRS 3.10 Lexis Nexis NCF No
RRS 4. Update Rating/Tier
 Update rating tier with
the claims that are on
the policy that would be
used in rating, including
claims added during the
year, or that would be No - Keep existing
RRS 4.1 Claims removed due to age. tier at renewal

When credit is re-run,

store the new run date,
credit score and adverse
reasons and update tier
at renewal. Internally,
we need the ability to re- No - Keep existing
RRS 4.2 Credit run credit. tier at renewal

Retier based on current

liability limit on Coverage
E, instead of using the
Prior Liability limt from No - Keep existing
RRS 4.3 Liability Limit New Business. tier at renewal
RRS 5. Fees
RRS 5.1 Policy Fee No
RRS 5.2 MGA Fee No
RRS 5.3 Inspection Fee No
RRS 6. Discounts
Book Transfer Discount
should be removed at
RRS 6.1 Book Transfer Discount 3rd renewal n/a

Logic should be there to add the discount in

RRS 6.2 accordance with State Rules

No claim free discount at

renewal, no rating
eligible claims with UPC
in the last 3 years, does
Claim Free Discount not apply until they are
RRS 6.3 on the 3rd renewal. n/a

No rating eligible claims

with UPC in the last 7
years should get the next
tiered discount, does not
apply until they are on
RRS 6.4 the 7th renewal. n/a
 The discount decreases
over 3 years and should
be removed altogether
RRS 6.5 New Home Purchase at the 3rd renewal n/a

Add the discount when

the insured or co-insured
reach 50 years of age
and # of months
RRS 6.6 Retiree Discount occupied is 9 or more. n/a
Utilities Updates/Renovation Discount should diminish
RRS 6.7 Discount as it ages Yes No
RRS 7. Rating
as the rateable losses
age, they should be No - Keep existing
RRS 7.1 Loss History removed from rating tier at renewal

Add the claim with UPC

surcharge, for a claim
over $500 not caused by
wind, hail, or lightning
that was paid during the
RRS 7.2 Claim with UPC period insured with UPC. n/a
HO3 HO5 HO6
X X X
X X
X

X X X

X X

X X X

X X X

X X X

X X X
X X X

X X X

X X X

X X X

X X X

X X X
X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X

X X X
X X X

X X X

X X X

X X X

X X X

X X X

X X X
X X X

X X X

X X X

X X X

X X X

X X X
 Application Question
I acknowledge that I have read and accurately answered all underwriting questions.
I will reside at the dwelling for at least 3 months per calendar year. (HO-3, HO-4 and HO-5 Only)
I or my tenant will reside at the condominium unit for at least 3 months per calendar year. (HO-6 O
I have never had coverage rejected, canceled, non-renewed, or have had a lapse in coverage or for
not aware of a pending rejection, cancellation, or non-renewal of coverage.

The dwelling does not contain more than two-family dwellings (e.g., tri-plex or quad-plex is unacce

The dwelling roof covering is in good condition, is not wood shingle, shake, tar and gravel, built up
membrane or tin, and have no overlay.
Does any type of rental activity occur in the dwelling?
If yes, please explain Rental Type and Rental Duration: [textbox]
The dwelling is not considered a historical dwelling and is not listed on a historical registry, or locat
renovation with identical historical materials.
The dwelling does not have plumbing older than 50 years.
The dwelling does not have galvanized plumbing.
The dwelling is completely enclosed with material such as block, brick, siding, or lattice, unless the
for flood control purposes if it has an open foundation of less than 6 feet.

I do not own, keep, or care for any dog that has a prior bite history, has exhibited aggressive behav
used as a guard dog, attack dog, or is used by the military or police for enforcing public order by ch
through threat of being released either by direct apprehension or the method known as "Bark and

Unless trained to assist people with disabilities, I own one of the following prohibited breeds of dog
the AKC's Canine Good Citizen obedience training and my yard is surrounded by a 6 foot fence with
Akitas, Alaskan Malamute, American Bull Dog, American Staffordshire Terrier, American Pit Bull Ter
Mastiff / American Bandogge / Bully Kutta (any other Mastiff breed), Cane Corso, Caucasian Ovchar
Chow, Doberman Pinscher (miniature Dobermans acceptable), Dogo Argentino, English Bull Terrier
Mastiff), German Shepherds, Giant Schnauzer, Great Dane, Gull Dong (aka Pakistani Bull Dog), Gull
Japanese Tosa / Tosa Inu / Tosa Ken, Korean Jindo, Perro de Presa Canario, Perro de Presa Mallorqu
Ridgeback, Rottweiler, Shiba Inu, Staffordshire Bull Terrier, Thai Ridgeback, Wolf or Wolf hybrid, an
containing any of the aforementioned breeds.

I do not own, keep, or care for any wild, exotic, farm, or saddle animal, or any animal that is
potentially dangerous under state statute.

Have not been convicted of a felony, arson, fraud, or any fraud related offenses.
Do not have more than 2 families, 2 roomers or boarders, or more than 10 residents (including chil
dwelling or residence unit.
Have not obtained financing for the dwelling through a non-conventional loan (e.g. rent to ow
around mortgage, etc.)

Have insurable interest in the dwelling as the owner of the dwelling, or the appointed trustee of a t
and the dwelling is not owned by a Corporation, Limited Liability Company, Limited Liability Partne
a deceased individual.
Do not own or operate a business on the premises, other than a home office with no foot traffic. (I
but not be limited to: commercial farm, ranch, orchard, grove, home daycare or assisted living or a
business or operation.)
Is well maintained and free of damage or unrepaired prior damage, debris, and free from attractive
not limited to zip-lines, skateboard ramps, half pipes, abandoned vehicles, or any miscellaneous de
injury.)

Is not vacant, unoccupied and for sale, in foreclosure, or has a foreclosure pending.
Has had 12-months prior property insurance if purchased from a bank or government entity throug
foreclosure sale.

Is not a mobile, manufactured, motorhome, houseboat, house trailer, or trailer home.

Does not have a flat roof or a roof with a pitch under 5:12 that is not poured concrete unless over a
is not structurally tied into the main roofline.
Does not have a wood, pellet, coal stove, and/or fireplace inserts that were not professionally inspe
installation, that they meet current building codes, and are not the primary source of heat.
Does not contain plumbing made from anything other than copper, cast iron, PVC, or PEX (Polyethy

If the dwelling is a townhouse or rowhouse, it is in buildings of more than 4 units and is separated o
masonry firewalls.
Does not have a Federal Pacific Electric (FPE), Stab-Lok, Sylvania, Challenger, or Zinsco electri
aluminum wiring or any electrical panel containing fuses.
Has a Certificate of Occupancy and is not an unfinished newly constructed home. If under additiona
be completed within the next 90 days.
Is not located entirely or in part over any body of water.
Is not located where prior sinkhole activity or mine subsidence has occurred.

Is not of obsolete, unconventional, or irreplaceable design or construction materials, including, but

homes, or earth homes.
Is constructed by a licensed contractor and is not do it yourself construction.
Is not located adjacent to a commercial exposure that increases the propensity for loss, such as nig
stations, factories, manufacturing or processing plants, auto repair facilities, or similar commercial
Is accessible by firefighting equipment year-round.
(A dwelling that is not accessible by firefighting equipment includes but is not limited to: roads or d
gated seasonal communities with no fire department pre-plan, an incline of road or driveway that i
bridges, or other physical barriers to firefighting equipment.)

Does not have a swimming pool or spa on the premises that is empty, unkempt, not protected by a
barrier (such as a screen enclosure, wall, locking fence 4 ft. high or approved locking cover for a spa
outer step ladder is always flipped up and locked into place after use.
Is not located on a farm, ranch, orchard, or grove.
Roof meets one the standards outlined below:
• 15 years or newer if 3-tab composition shingle with at least 3 years of remaining useful life expe
• 20 years or newer if architectural composition shingle with at least 3 years of remaining useful
• 30 years or newer if Aluminum, Copper, Steel, or Rubber Tile Shingles with at least 3 years of re
or
• 40 years or newer if slate or tile with at least 3 years of remaining useful life expectancy.

The dwelling has a central HVAC system 20 years old or newer or has had the HVAC system comple
The dwelling does not contain an Exterior Insulation and Finishing System (EIFS) or asbestos.
The dwelling has a water heater 15 years old or newer (or 20 years or newer if located in the garag
Has an electrical system that is 100-amp service or greater and Ground Fault Circuit Interrupters (G
come in contact with the electrical outlet.
Is accessible from the mainland by roads or bridges.
Was not purchased for the purpose of re-sale within 12-months of purchase (i.e. flipping).

If modified by adding additional living spaces such as additional kitchens has proper permits grante
Does not have a swimming pool with a diving board more than 20" from the water surface or a wat
Default Y/N Show Remark When Y/N
/ /
Y N
Y N
Y N

Y N

Y N

N Y

Y N
Y N
Y N
Y N

Y N

Y N

Y N

Y N
Y N

Y N

Y N

Y N

Y N

Y N

Y N

Y N

Y N

Y N

Y N

Y N

Y N

Y N
Y N
Y N

Y N
Y N
Y N

Y N

Y N

Y N

Y N

Y N
Y N
Y N
Y N

Y N
Y N
Y N
Y N
 AU Rule Message
Show KO when select No - Invalid acknowledgement answer.
Risk requires underwriter review due to the number of months unoccupied.
Risk requires underwriter review due to the number of months unoccupied.
Risk requires underwriter review due to prior rejection, cancellation, non- renewal or lapse
of coverage.

Risk requires underwriter review due to dwelling contains more than 2 families.

Risk requires underwriter review due to roof condition and/or ineligible roof material.

If Yes, trigger referral

Risk requires underwriter review due to rental exposure
Risk requires underwriter review due to the dwelling is either a historical dwelling, or subject
to required renovations with identical historical materials.
Risk requires underwriter review due to plumbing is older than 50 years.
Risk requires underwriter review due to galvanized plumbing.
Risk requires underwriter review due to an open foundation

Risk requires underwriter review due to ownership, custody or care of a dog with prior biting
history, training as a guard or attack dog or aggressive behavior towards people.

Risk requires underwriter review due to prohibited dog breed.

Risk requires underwriter review due to the ownership, custody or care of wild, exotic, farm
or saddle animal, or an animal deemed potentially dangerous or vicious under state statue.

Risk requires underwriter review due to prior conviction of a felony, fraud or arson related
offense.
Risk requires underwriter review due to the number of occupants in one-family dwelling.

Risk requires underwriter review due to non conventional loan type used for financing of
dwelling.

Risk requires underwriter review due to applicant having no insurable interest in the
dwelling.

Risk requires underwriter review due to business exposure on premises.

Risk requires underwriter review due to unrepaired or existing damage, debris or attractive
nuisance.

Risk requires underwriter review due to risk vacancy, foreclosure or unoccupancy while
pending sale.

Risk requires underwriter review due to no required property insurance for prior 12 months.

Risk requires underwriter review due to the home being a mobile, manufactured,
motorhome, houseboat, house trailer or trailer home.

Risk requires underwriter review due to risk having a flat or low pitched roof over living area.

Risk requires underwriter review of the wood, pellet or coal stove, or fireplace insert.

Risk requires underwriter review due to plumbing materials other than copper, cast iron,
PVC or PEX (Polyethylene/installed after 2011)
Risk requires underwriter review due to risk being a townhouse or rowhouse with no four-
hour masonry firewalls.

Risk requires underwriter review due to ineligible electrical panel or wiring.

Risk requires underwriter review due to risk being unfinished, under construction or lacking
proper Certificate of Occupancy.
Risk requires underwriter review due to risk being located over a body of water.
Risk requires underwriter review due to risk located where prior sinkhole activity or mine
subsidence has occurred.

Risk requires underwriter review due to ineligible construction materials

Risk requires underwriter review due to ineligible construction.
Risk requires underwriter review due to an adjacent commerical exposure.

Risk requires underwriter review due to dwelling being inaccessible to fire department or
firefighting equipment.

Risk requires underwriter review due to pool/spa condition or lack of protection/covering.

Risk requires underwriter review due to risk being located on a farm, ranch or grove.

Risk requires underwriter review due to roof age.

Risk requires underwriter review due to age of central HVAC system.

Risk requires underwriter review due to presence of EIFS or asbestos.
Risk requires underwriter review due to age of water heater.
Risk requires underwriter review due to ineligible electrical service panel or outlets.

Risk requires underwriter review due to dwelling being inaccessible to mainland by roads or
bridges.
Risk requires underwriter review due to re-sale intent upon purchase.
Risk requires underwriter review due to additional living unit in home without proper
permits.
Risk requires underwriter review due to diving board height or water depth.
 Trigger Stage
New Business, Rewrite
New Business, Rewrite
New Business, Rewrite
New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite
New Business, Rewrite
New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite
New Business, Rewrite

New Business, Rewrite

New Business, Rewrite
New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite

New Business, Rewrite
New Business, Rewrite
New Business, Rewrite

New Business, Rewrite

New Business, Rewrite
New Business, Rewrite
New Business, Rewrite
 Select Drop down or
Field # Field Options Buttons options Default
Additional Property Information

Open text, 4
digit year
1 Year Water Heater Renovated? field

Open text, 4
digit year
2 Year Plumbing Renovated? field
Open text, 4
digit year
3 Year Heating Renovated? field

Open text, 4
digit year
4 Year Wiring Renovated? field
5 Prior Insurance Carrier Text

6 Purchase Price Currency

Yes
7 Is cash purchase? No
Is your mailing address the same as your Yes
8 property address? No Yes for HO3
9 Mailing Address

PO Box
Seasonal Residence
Why is mailing address different than Billing Purposes
10 property address? Other
 Yes
11 Is property within City Limits? No Yes

Is there a swimming pool located on the Yes

12 premises? No
Insured Details
Order Credit Report Button Button
13 Applicant Type Text
14 Applicant First Name and Middle Initial Text
15 Applicant Last Name Text
16 Applicant Date of Birth date
17 Telephone Number numeric

18 Email Address Text

19 FCRA Disclosure Text
Interested Party

Description of Interest drop down

Additional Insured
Additional Interest
Mortgagee
Trust
20 Trustee

Name Text
21
 Ranking drop down

22 1, 2, 3, 4, etc.

Loan Number alpha

23 numeric
alpha
Interest Address
24 numeric

Loss History
25 Date of Loss date
26 Cause of Loss drop down

Amount Paid numeric

27
28 Incident Description Text
Report (CLUE
produced)
Source prefilled Manual (insured
admitted)
29
30 Matched By (reported losses) Text
Disposition (this is the claim status) Text
31
32 Catastrophe (reported losses) Text
Dispute Clearance Date (reported
Text
33 losses)

Rating Impact Radio

34 Button
Radio
Underwriting Impact
35 Button
36 Remove Incident Button
Reason Excluded (reported losses) pop up
37
38 Contributor
LN Risk ClaimClaim # (reported
File Number losses) pop up
(reported
39 losses) pop up
40 Loss Location (reported losses) pop up
41 Matched By (reported losses) pop up
42 Scope of Claim (reported losses) pop up
43 AMBest # (reported losses) pop up
44 Company Name (reported losses) pop up
 45 Policy Type (reported losses) pop up
46 Policy Number (reported losses) pop up
Risk Location Address (reported pop up
47 losses)
Consumer Comments (reported pop up
48 losses)

3rd party calls: CLUE, NCF Credit (if not run yet)
 Prefilled by
Mandatory Not always displayed? 3rd party? Secure Field

Yes if Home is older

than 15 years old Always visible

Yes if home older than

50 years old Always visible Buildfax

Yes if home older than

20 years old Always visible Buildfax

Always visible Buildfax

Displayed when New Purchase question on

x Household page answered Yes
Displayed when New Purchase question on
x Household page answered Yes

Default to Yes for HO3

only if 8 = N
 Yes, by
buildfax
x permit

x
yes, when it is an
epolicy

x
x Displays when Interest type is Mortgagee

Displays when Interest type is Mortgagee

x
CLUE x

CLUE x
CLUE x

CLUE x

When a claim is removed by Remove Incident

Only visible to underwriting CLUE x
Only visible to underwriting CLUE x
Only visible to underwriting CLUE x
Only visible to underwriting CLUE x
Only visible to underwriting CLUE x
Only visible to underwriting CLUE x
Only visible to underwriting CLUE x
Only visible to underwriting CLUE x
Only visible to underwriting CLUE x

Only visible to underwriting CLUE x

Only visible to underwriting CLUE x

 Available to
Edit Message for Agent by
Business Rules (UR = Underwriting Authorization, KO = Knockout) Business rule Endorsement?

Home is not eligible for

the Hot Water Tank
Renovation Discount.
If Renovation Discount for Hot Water Tank is equal to partial Remove the discount to
renovation or complete renovation, and current year - water continue with the
heater year is > 5 (KO) application. Yes

1. Home does not meet

the plumbing
requirements.
1. If home is older than 50 years, and the plumbing system does 2. Home is not eligible
not have a renovation year within the last 50 years, decline the for the Plumbing
risk. (KO) Renovation Discount.
2. If Renovation Discount for Plumbing is equal to partial Remove the discount to
renovation or complete renovation, and current year - plumbing continue with the
renovation year is > 5 (KO) application. Yes
If home is older than 20 years, and the heating system does not
have a renovation year within the last 20 years, decline the risk. Home does not meet
(KO) heating requirements. Yes

Home is not eligible for

the Wiring Renovation
Discount. Remove the
If Renovation Discount for Wiring is equal to partial renovation or discount to continue
complete renovation, and current year - wiring year is > 5 (KO) with the application. Yes
No
Home requires
If the purchase price is 30% less than the Coverage A value, send underwriter review due
to u/w authorization. (UA) to purchase price. No
Cash Purchase requires
If yes, send to underwriter authorization underwriter review. No

No
Yes

If Other is selected, send to u/w authorization. If PO Box is

selected, and state is not equal to the property state, send to u/w Mailing address requires
authorization. underwriter review. Yes
 No

3. Buildfax permit found

1. If the Pool size question is not equal to None, default this for a pool and it was
question to Yes._x000D_ indicated that the pool
2. If a pool is on the premises, mark for inspection._x000D_ size is None.
3. If this question is not marked Yes, and a building permit was 4. Build fax pool permit
found (UR) _x000D_ found for a pool and Is
4. If this question is not marked Yes, and the pool size question on there a swimming pool
the Property Page is something other than None (UR) question at point of sale
5. Default question to Yes when pool permit found. page was answered No. No

Displayed when credit has not been run. Agent required to answer
FCRA disclosure Yes prior to clicking. No
Answer carried from Household Page No
Answer carried from Household Page No
Answer carried from Household Page No
Answer carried from Household Page No
No

No
Answer carried from Houshold page No

1. You have selected Bill

Mortgage for New
Business as your
payment type. Please
add a mortgagee before
you proceed.
2. You have selected to
1. When Payment Type = Bill Mortgage for New Business, a Bill the Mortgage
Mortgagee must be listed. company at renewal.
2. When Bill to At Renewal = Mortgage, a mortgagee must be Please add a mortgagee
listed. before proceeding. Yes

When Interest type is Mortgagee: Bank records that have been

verified will display in the pop-up. Can click new to add a new
entity.
Other Interest Types: Open Text Field Yes
 1. Must have a 1st
mortgage before a 2nd
mortgage.
2. Home is ineligible -
1. Cannot have a 2nd mortgage without a 1st mortgage. (HS) cannot have more than
2. Cannot have a 3rd mortgage (HS) 2 mortgages. Yes

Yes

Yes

No
No
Any loss greater than $25,000 that is counted in UW on the
CLUE/Disclosed Losses should be sent to Underwriting Loss amount requires
Authorization (UR). underwriter review. No
No

No
No

No
No

No

Shows whether claim will be used in rating No

Shows whether claim will be used in underwriting No

Deletes Claim No

No
No
No
No
No
No
No
No
No
No

No

No
 Endorsement
Endorsement Business Business Rule
Rule Edit Message Notes Differences

Remove

Added business
rule for
Rule 450 comparison of
Renovation Renovation
Descount Discount

Same

Added business
rule for
Rule 450 comparison of
Renovation Renovation
Descount Discount

Change in
Mailing Address
requires UW
If Other is selected, send review. Please
to u/w authorization. If add notes why
PO Box is selected, and mailing address
state is not equal to the is different from
property state, send to the property
u/w authorization. address.
• 866 VIRGINIA AVE,
NORTH BELLMORE,
NY 11710
• 103 WEIDNER
AVE, OCEANSIDE,
NY 11572
• 9 WHITE ROCK LN,
WARWICK, NY
10990
 1. Must have a
1st mortgage
before a 2nd
mortgage.
1. Cannot have a 2nd 2. Home is
mortgage without a 1st ineligible -
mortgage. (HS) cannot have
2. Cannot have a 3rd more than 2
mortgage (HS) mortgages.
 Drop
Select down
Field # Field Options options Mandatory
Document Processing
Document Preference
Mailing Address
Email Address Open text if epolicy is selected
Payment Options
Displays available payment options based on the answer to How will you be paying for this policy?

Payment Schedule
Displays the Schedule of Payments based on payment option selected
 Secure Field Notes

Secured when epolicy is selected

Secured - mailing address is on point of sale screen

for this policy?

Interboro accounts CodeObjects
Premium 4059553842
Refund 4059553859
Commission 4059553867
Field Not always displayed?
Credit Score Displayed only to u/w or above authority
Adverse Action Reasons Displayed only to u/w or above authority
1 Displayed only to u/w or above authority
2 Displayed only to u/w or above authority
3 Displayed only to u/w or above authority
4 Displayed only to u/w or above authority
Last Run Date
NCF Reference Number

ISO Location
Public Protection Class:
Alternative PPC:
State Specific:
Fire Protection Area Name:
Fire Station Distance Band:
Responding Fire Station Name:
PPC Statistical Placement Indicator:
PPC Subscription Indicator:
Water Supply Type:
PPC Match Type:

Buildfax (Property Condition)

Roof
Roof Age
Year Roof Installed:
Roof Confidence Score:
Roofing Material:

Electrical
Electrical Age:
Year Electrical Installed:
Electrical Confidence Score:

HVAC
HVAC Mechanical Age:
Year HVAC Installed:
HVAC Mechanical Confidence Score:

Plumbing
Plumbing Age:
Year Plumbing Installed:
Plumbing Confidence Score:
Pool Permit #:
Pool Permit Value:
Pool Permit Date:

Permit
Permit Age:
Permit Certification Code:
Permit Job Cost:
Permit #:
Permit Type:
Permit Date:
Permit Status:

Inspection Report Tab

Inspection Order Date:
Inspection Completed Date:

Inspection Method:

Inspection Type:

Inspection Reviewed Date:

Special Notes to Insp Co:

Rollover Indicator

TigerCQ
Policy Details:
Call Log ID Filled from Tiger CQ
Policy Number Filled from Tiger CQ
Address Filled from Tiger CQ
City Filled from Tiger CQ
State Filled from Tiger CQ
Zip Filled from Tiger CQ
County Filled from Tiger CQ
Latitude Filled from Tiger CQ
Longitude Filled from Tiger CQ
Error Description Filled from Tiger CQ

TigerCQ Results
Gross AAL Filled from Tiger CQ
Net AAL Filled from Tiger CQ
Reinsurance Cost Filled from Tiger CQ
Surplus Cost Filled from Tiger CQ
FHCF Premium Filled from Tiger CQ
Total Reinsurance Cost Filled from calculation
Total Premium Reinsurance Ratio Filled from calculation of ratio
Wind Premium Reinsurance Ratio Filled from calculation of ratio
Field function
Display the credit score

Display up to the 4 adverse reasons

Display up to the 4 adverse reasons
Display up to the 4 adverse reasons
Display up to the 4 adverse reasons
Display the date the credit score was run
Display the NCF Reference Number returned from Lexis Nexis.

Display result from Location

Display result from Location
Display result from Location
Display result from Location
Display result from Location
Display result from Location
Display result from Location
Display result from Location
Display result from Location

Display the actual age retrieved from Buildfax, not what the agent may have changed.
Display the year from Buildfax
Display the confidence score from Buildfax
Display the roof material returned from Buildfax

Display the actual age retrieved from Buildfax

Display the confidence score returned from Buildfax

Display the actual age retrieved from Buildfax

Display the confidence score returned from Buildfax

Display the actual age retrieved from Buildfax

Display the confidence score returned from Buildfax
Display the permit # returned
Display the permit value
Display the permit date

Display the actual age retrieved from Buildfax, not what the agent may have changed.
Display the Permit Age Property Condition Score
Display the Permit Age Job Cost
Display the Permit # returned
Display the Permit Age Permit Type
Display the permit date returned
Display the permit status returned

Display the date we submit the inspection order to NRS.  Underwriting can override this field to order an inspection when one
Display the date we receive the inspection back from NRS
Display the type of inspection that is being completed:  Inspected, Underwriter, Manual.  Allow
underwriting to override an "Underwriter" report to a "Manual" report. 
Display the type of inspection being ordered: Exterior, 4-Point, Prior 4-Point, Interior and
Exterior, Interior and 4-Point.
Underwriting will complete this date field. Or we may be able to get a feed from NRS of when it
was marked off as reviewed.
User will enter free form text to display on order report.
A drop down for the user to select. R = Rollover, S = Sunshine State. Drop down should be
changeable.

Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ

Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ
Tiger CQ
Pre-filled by 3rd
party Notes
Lexis Nexis - NCF Open this field to change by UW, for disputes.

Lexis Nexis - NCF

Lexis Nexis - NCF
Lexis Nexis - NCF
Lexis Nexis - NCF

Lexis Nexis - NCF

ISO Location
ISO Location
ISO Location
ISO Location
ISO Location
ISO Location
ISO Location
ISO Location
ISO Location

Buildfax

Buildfax
Buildfax

Buildfax

Buildfax

Buildfax

Buildfax

Buildfax
 Buildfax
Buildfax
Buildfax
Buildfax

Buildfax
Buildfax
Buildfax
Buildfax
Buildfax
Buildfax
Buildfax

his field to order an inspection when one was not ordered.  

Process
Minimum Premium
NY State Code/Policy Prefix
HIS Home-self Inspection
TIV
APLUS
ISO Location
Quoting Permission
Requirement
$100
55

100%

Will only be using the protection class part of this call.

Set an individual NY quoting permission. Set quoting to 90 days.
 Copy Mailed To:
Payment Insured (I), Agent (A),
Coupon/ Mortgage (M),
Mandatory Send Print on Additional Insured
Edition Mandatory New Renewal Variable Proof of Print on Perforated (AI), Additional Special Requirements for
# Form Number Date Form Name Business Form Form Wording Mail Dec Paper Triggering Event Form Trigger Trigger Name Print Order Print Order RE Interest(IA) Mandatory Endorsements Notes HO-3 HO5 HO4 HO6 Rule Summary of Changes
Prints as the cover page on every form
1 Cover Page Yes No No package that is printed. 0 x x

2 UPC 119 09 15 NB Welcome Letter x No No No No NB Mandatory 1 Never I x x

1
3 UPC 629 03 15 Declarations Page x x Yes No No No NB, RE Mandatory 2 2 I, A, M, AI, IA x x x x

4 UPC 207 NY 05 16 Policy Jacket X No No Yes No NB, RE Mandatory 3 n/a unless form revised. I x x x x
12 Then same order as NB

5 UPC NY 03 05 16 NY Special Form x Only when No No Yes No NB, RE Mandatory HO3 Product 4 n/a unless form revised. I x
13 new version Then same order as NB

6 UPC NY 05 05 16 NY Comprehensive Form x Only when No No Yes No NB, RE Mandatory HO5 Product 4 n/a unless form revised. I x
13 new version Then same order as NB

7 UPC 601 06 15 Recreational Or Service Vehicle Exclusion x No No Yes No NB, RE Mandatory 7 n/a unless form revised. I x x x x
Then same order as NB
180 (New) Added

9 HO 05 31 05 11 Functional Replacement Cost Loss Settlement No No Yes No NB, RE Coverage Functional Replacement Cost 10 n/a unless form revised. I x x x x
Then same order as NB
640

10 UPC 615 NY 05 16 Animal Liability Endorsement No No Yes No NB, RE, EN Coverage Animal Liability 11 n/a unless form revised. I x x x x
Then same order as NB
610

Personal Property Increased Special Limits of n/a unless form revised. Expanded categories and
11 HO 04 65 05 11 Coverage C Increased Special Limits of Liability No No Yes No NB, RE, EN Coverage 12 I x x x x reduced rate to match
Liability Then same order as NB
Countrywide coverage and
780 rates

12 03 15 Home Systems Protection No No Yes No NB, RE, EN Coverage Home Systems Protection 13 n/a unless form revised. I x x
Then same order as NB
HO 013 630

13 UPC 616 05 16 Golf Cart Coverage Endorsement - Option 1 No No Yes No NB, RE, EN Coverage Golf Cart Physical Loss - Option 1 14 n/a unless form revised. I x x
Then same order as NB
650 Added rates for 2 carts

14 UPC 617 05 16 Golf Cart Coverage Endorsement - Option 2 No No Yes No NB, RE, EN Coverage Golf Cart Physical Loss - Option 2 15 n/a unless form revised. I x x
Then same order as NB
650 Added rates for 2 carts

15 UPC 614 06 15 Identity Theft Expense and Resolution Services Coverage No No Yes No NB, RE, EN Coverage Identity Theft Expense and Resolution Services 16 n/a unless form revised. I x x x x
Then same order as NB
670

16 HO 04 46 10 00 Inflation Guard No No Yes No NB, RE, EN Coverage Inflation Guard 17 n/a unless form revised. I x x no no
Then same order as NB
680

17 UPC 04 95 06 15 Limited Back-Up and Sump Discharge or Overflow Coverage No No Yes No NB, RE, EN Coverage Limited Water Backup and Sump Pump 18 n/a unless form revised. I x x
Then same order as NB Not available when a Added- Not eligible for policies
policy has UPC 620 700 with UPC 620

18 UPC 620 06 15 Limited Water Damage Coverage No No Yes No NB, RE, EN Coverage Limited Water Damage 19 n/a unless form revised. I x x
Then same order as NB
480

19 HO 04 77 10 00 Ordinance or Law Increased Amount of Coverage No No Yes No NB, RE, EN Coverage Ordinance or Law 20 n/a unless form revised. I x x
Then same order as NB
710

20 HO 04 48 10 00 Other Structures - Increased Limits No No Yes No NB, RE, EN Coverage Coverage B Other Structures Increased Limits 21 n/a unless form revised. I x x no no
Then same order as NB
740

21 HO 04 54 05 11 Earthquake No No Yes No NB, RE, EN Coverage Earthquake Coverage 21 n/a unless form revised. I x x no no
Then same order as NB
620

n/a unless form revised. Removed "Aggregate Limit of

22 HO 24 86 10 11 Personal Injury Coverage - (Aggregate Limit of Liability) No No Yes No NB, RE, EN Coverage Personal Injury 22 I x x x x Liability" to match approved
Then same order as NB
770 endorsement

23 HO 04 90 05 11 Personal Property Replacement Cost Loss Settlement No No Yes No NB, RE, EN Coverage Personal Property Replacement Cost Loss 24 n/a unless form revised. I x x
Settlement Then same order as NB
790 #N/A

24 08 17 Premier Endorsement No No Yes No NB, RE, EN Coverage Premier Endorsement 26 n/a unless form revised. I x x
Then same order as NB
HO 31 029 810 Editorial clarification

25 08 17 Premier Plus Endorsement No No Yes No NB, RE, EN Coverage Premier Plus Endorsement 27 n/a unless form revised. I x x
Then same order as NB
HO 31 030 820 Editorial clarification

26 HO 04 61 05 11 Scheduled Personal Property Endorsement No No Yes No NB, RE, EN Coverage Scheduled Personal Property 29 n/a unless form revised. I x x x x
Then same order as NB Clarified intent that maximum
800 limit is lesser of

27 HO 23 13 10 11 Special Computer Coverage No No Yes No NB, RE, EN Coverage Home Computer Coverage 30 n/a unless form revised. I x x x x
Then same order as NB
660

n/a unless form revised.

28 HO 04 20 05 11 Specified Additional Amount of Insurance for Coverage A - Dwelling No No Yes No NB, RE, EN Coverage Additional Amounts of Coverage A 31 I x x no no
Then same order as NB
600

n/a unless form revised.

29 HO 04 40 10 00 Structures Rented To Others - Residence Premises No No Yes No NB, RE, EN Coverage Other Structures Rented to Others on 32 I x x no no
Then same order as NB
Residence Premises 750

n/a unless form revised.

30 HO 04 35 05 11 Supplemental Loss Assessment Coverage No No Yes No NB, RE, EN Coverage Supplemental Loss Assessment 33 I x x ? x
Then same order as NB
890

n/a unless form revised.

31 HO 04 36 05 11 Loss Assessment Coverage for Earthquake No No Yes No NB, RE, EN Coverage/Business Rule When Earthquake Loss Assessment =Yes 33 Then same order as NB I x x ? x
620

n/a unless form revised.

32 HO 06 12 05 11 Trust Endorsement No No Yes No NB, RE, EN Coverage Residence Held in Trust 34 Then same order as NB I x x no no Corrected rating to be a flat
860 charge

n/a unless form revised.

33 HO 24 75 10 00 Watercraft No No Yes No NB, RE, EN Coverage Outboard Motors and Watercraft 35 Then same order as NB I x x
760

n/a unless form revised.

34 HO 03 40 10 11 Windstorm Percentage Deductible - New York No No Yes No NB, RE, EN Deductible When wind deductible type is Percentage 37 Then same order as NB I x x
250

Rule 490 * This

35 UPC 623 06 15 Non-Structural Hail Loss Limitation Endorsement No No Yes No NB, RE, EN Discount Non-Structural Hail Loss Limitation Discount 38 n/a unless form revised. I endorsement is mandatory x x
Then same order as NB for properties with metal
roofs &/or aluminum siding
490

Only prints once if both

Prints if either Fire Alarm is selected under alarm and fire discounts
n/a unless form revised. exist. This would print if
36 HO 04 16 10 00 Premises Alarm or Fire Protection System No No Yes No NB, RE, EN Discount the Protective Devices Credit, or if the 39 I x x x x
Theft/Burglar Alarm is selected. Then same order as NB either/or Fire Alarm does
not equal No, or Theft
alarm does not equal Remove reference to
None. 520 documentation requirement

37 UPC 618 09 15 Limited Fungi, Wet or Dry Rot or Bacteria - HO3 & HO5 x No No Yes No NB, RE, EN Mandatory 41 n/a unless form revised. I x x
Then same order as NB
690

38 HO P 004 05 11 Limited Home Day Care Coverage Advisory Notice to Policyholders x No No Yes No NB, RE Mandatory 44 n/a unless form revised. I x x x x
Then same order as NB
180 (New) Added

39 IL P 001 01 04 U.S. Treasury Department's Office of Foreign Assets Control ('OFAC') x No No Yes No NB, RE Mandatory 46 n/a unless form revised. I x x x x
Advisory Notice to Policyholders Then same order as NB
180 (New) Added
40 UPC 424 09 15 Privacy Notice x x No No Yes No NB, RE Mandatory 47 5 I x x x x 180 (New) Added
41 UPC 430 NY 05 16 New York Insurance Score Notice x No No Yes No Mandatory 61 7 I, A, M, AI, IA x x x x
Does not print.
42 UPC 702NB 08 15 New Policy Invoice Yes No No N/A Submitting the Policy Just in Doesn’t apply to RE n/a x x
documents

This form is a final reminder notice, if the

43 UPC 700 09 14 Renewal Reminder Notice Yes No No Yes 15 days before renewal effective date, policy policy has not been paid within 15 days n/a n/a, prints by itself I, A, M, AI, IA x x x x
not paid by EFT, and no payment of the effective date this form should
print, if it is not being paid by EFT.

This form is the billing portion of the

renewal offer and should be mailed as
44 UPC 701 09 14 Renewal Notice Yes No No Yes When renewal offer generated page 1  (after the cover page) in the n/a Page 1 after Cover Page I, A, M, AI, IA x x x x
renewal packet, when the policy is NOT for Renewal Offer
being paid by EFT.

This form is the billing portion of the

renewal offer and should be mailed as Page 1 after Cover Page
45 UPC 701EFT 09 14 Renewal Notice EFT Yes No No No When renewal offer generated page 1 (after the cover page) in the n/a for Renewal Offer I, A, M, AI, IA x x
renewal packet, when the policy IS being
paid by EFT.

When an additional interest is added to the

46 HO 04 10 10 00 Additional Interests - Residence Premises No No Yes No NB, RE, EN Additional Interest policy, this form should print. It only needs to n/a unless form revised. I x x x x
15 print once, regardless of the number of Then same order as NB
additional insureds added.
155
47 HO 24 93 05 02 Workers' Compensation x x No No Yes No NB, RE, EN Mandatory I, A, M, AI, IA x x x x 895
48 UPC 431 NY 05 16 New York Adverse Action Notice and Appeal Form x No No No No RE Based on tier Prints on any policy that does not fall into tier 8 I Prints on any policy that x x x x
1. does not fall into tier 1.
This endorsement is attached to all
policies that include wind coverage in all n/a unless form revised.
49 UPC 622 05 16 Windstorm Exterior Paint or Waterproofing Exclusion -Seacoast- x No No Yes No NB, RE Wind territories except for Remainder Of Territory Then same order as NB I x x
State. (See wind territory definition
pages.)
Removed from Filing

n/a unless form revised.

50 UPC 646 05 16 Lead Liability Exclusion x x No No Yes No NB, RE Coverage Lead Paint Liability Exclusion I Removing, no longer using x x ? ?
Then same order as NB
exclusion 685 0

Conditonal only if wind ded is greater n/a unless form revised.

51 UPC 701 NY 07 16 Windstorm Deductible Disclosure X x No No Yes No NB, RE, EN Windstorm Deductible Disclosure 60 I, A, M, AI, IA x x
than AOP deductible Then same order as NB
310
When agent selects to Bill Mortgagee,
52 UPC 702 09 14 Escrow Bill Mortgageholder Yes No No Yes NB the bill needs to be sent out 2 M x x x x

Printed on the 19th day after the

53 UPC 702REM 08 15 Final Payment Reminder Notice - NB Yes No No Yes Non-Payment of NB effective date if payment has not been 2 I, A, M, AI, IA x x
received on NB

54 UPC 703 09 14 Additional Premium Notice Yes No No Yes EN When policy is not on a payment plan 2 I, A, M, AI, IA x x x x
and there is a balance due. 165 0
55 UPC 704 09 14 Installment Notice Yes No No Yes Installment Plan 2 I, A, M, AI, IA x x x x Added Installment Fee and
175 Paperless Discount
56 UPC 704A 09 14 Installment Notice - EFT and Credit Card Yes No No No Installment Plan paid EFT and Credit Card 2 I, A, M, AI, IA x x x x
This form prints when a policy is
57 UPC 705 09 14 Reinstatement Notice - Payment Received Yes No No No RI from cancel or cancel notice reinstated (cancellation notice removed 2 I, A, M, AI, IA x x x x
or reinstated after policy is in cancelled
status), for non-payment of premium. Rule 175 Additional Fees
and Credits
This form prints when a policy is
reinstated (cancellation notice removed
58 UPC 706 09 14 Notice of Reinstatement Yes No No No RI from cancel or cancel notice or reinstated after policy is in cancelled 2 I, A, M, AI, IA x x x x
status), for any reason other than non-
payment of premium
59 UPC 707 09 14 Non-Renewal Notice Yes Yes No No Non-Renewal 2 I, A, M, AI, IA x x x x
This form prints when the only payment
60 UPC 708 09 14 Notice of No Coverage - NSF Yes No No No Down Payment or full payment returned NSF on a policy is returned NSF, and the 2 I, A, M, AI, IA Rule 175 Additional Fees x x x x
policy no longer has funds. and Credits
This form prints when a new business
61 UPC 709 09 14 Notice of No Coverage Yes No No No Non-payment of NB policy has not received payment after 25 2 I, A, M, AI, IA x x x x
days.

62 UPC 713 09 14 Balance Due Notice Yes No No Yes CN or expired policy with Balance due 1st notice to print once policy is cancelled 2 I, A x x x x
and there is a balance due.
This form prints when a policy is put on
63 UPC 716 10 16 Notice of Cancellation - UW Reasons Yes Yes No No Cancel Notice cancellation notice for an underwriting 2 I, A, M, AI, IA x x x x
reason.
This form prints when a policy is put on
64 UPC 717 09 14 Notice of Cancellation - Final Notice of Premium Due Yes Yes No Yes Cancel Notice cancellation notice for non-payment of 2 I, A, M, AI, IA x x x x
premium.
When the policy is cancelled for non-
65 UPC 719 09 14 Cancellation Confirmation - Non-Payment Yes No No No CN payment of premium, this is mailed to 2 I, A, M, AI, IA x x x x
confirm the cancellation.
When the policy is cancelled for insured
66 UPC 720 09 14 Cancellation Confirmation - Insured Request Yes No No No CN request, this is mailed to confirm the 2 I, A, M, AI, IA x x x x
cancellation.

67 UPC 721 09 14 Renewal Notice of No Coverage Yes No No No Non-payment of RE When renewal is past the time allowed to 2 I, A, M, AI, IA x x x x
pay and policy is cancelled flat. 

We need to make sure

that the form number
68 32 APP 10 16 Application Yes No Submit Application Application prints at the bottom of the x x
application and page
numbers. The application
also needs to be in 11 pt.
font.

69 Adverse Action Notice (with Quote) x No Quote Quote x x

70 Quote Proposal x No Quote Quote x x

There is a
new form
number
and
updated
logo, but
this is the
same dec
that is
71 UPC 629 03 15 New Business Binding Declarations Page Submit Application x x there for
GA other
than we
removed
some
sentences
on the last
page. See
mock up.
We are
not
providing
a word
version
because
you
already
have the
core dec.
72 UPC 621 01 17 Personal Property Exclusion Yes NB, RN, EN When 0% has been selected for Coverage I x x
C
IF Coverage C is 0% or $0,
Added 5/3 TMS 220 THEN trigger.
73 HO 04 58 05 11 Other Members of Named Insured's Household Yes NB, RN, EN Coverage I Added 5/3 TMS x x 730 Added rule and rate

IF home is located in Bronx,

74 HO 23 95 05 02 Off Premises Theft Exclusion - New York CM No Yes NB 54 I Kings, Nassau, New York, x x
IF home is located in Bronx, Kings, Putnam, Queens,
Nassau, New York, Putnam, Queens, Richmond, Rockland,
Richmond, Rockland, Suffolk, or Suffolk, or Westchester
Westchester Counties, THEN mandatory. Counties, THEN mandatory. Added 5/8/17 795 New

When an insured or co-insured is 65 years or Added 58/17 TMS

75 Same functionality as CT
8 UPC 31 631 01 17 Third Party Designation Notice X X Yes NB, RE Business Rule older. This is calculated by current year - I x x
birth year. but age requirement is
different. NY age is 65 yrs
or older.
IF AOP Deductible is a %. Deductibles can
only be changed at renewal; however, if IF AOP Deductible is a %. Deductibles can only
76 UPC 31 637 01 17 All other Perils Percentage Deductible No No Yes No NB, RE, EN UW makes a change mid-term from a Flat be changed at renewal; however, if UW 18 I x x 250
18 makes a change mid-term from a Flat $ to %
$ to % deductible, then the form shall deductible, then the form shall trigger.
trigger.
250
This form appends to new business and is
77 conditional for renewals. Prints on any policy that does not fall into tier
6 UPC 31 431 02 17 New York Adverse Action Notice and Insurance Score Appeal Form X No No No No NB, RE Appends to Renewals when insured 1. 6 8 I x x
Prints on any policy that
requests order of score. does not fall into tier 1.

8 n/a unless form revised.

UPC 602 06 15 Farm & Agricultural Activities Exclusion x No No Yes No NB, RE Mandatory 8 I x x x x
51 Then same order as NB
180 (New) Added

n/a unless form revised.

Service Line Coverage No No Yes No NB, RE, EN Coverage Service Line Coverage I x x
Then same order as NB
HO SLC 632
Purpose of this Page: Shows how Coverages, Discounts, their associated forms, and any other forms should be shown on th
Every form marked "Display on Dec" in the form requirements should be shown here. If there is a form that is associated w

(Form #
associated with a
coverage) (Coverage Name or Discount Name shown on the Coverage Page, along with any additional information req

Form # Description
HO 23 13 10 11 Home Computer Coverage
HO 04 10 10 00 Additional Interests
HO 04 20 05 11 Coverage A - Additional Amounts of Coverage
HO 04 35 05 11 Loss Assessment Coverage
Residence Premises
HO 04 36 05 11 Loss Assessment Coverage For Earthquake
HO 04 54 05 11 Earthquake
HO 04 40 10 00 Other Structures - Rented to Others on Residence Premises
Description
Barn
Garage
HO 04 46 10 00 Coverage A - Inflation Guard
HO 04 48 10 00 Coverage B - Other Structures Increased Limits
Description
Barn
Garage
HO 04 61 05 11 Scheduled Personal Property
Class
Antique

Jewelry

HO 04 65 05 11 Personal Property - Increased Special Limits of Liability

Property

Jewelry, watches, furs

Silverware, Goldware and Pewterware

HO 04 77 10 00 Increased Ordinance or Law
HO 04 93 05 11 Actual Cash Value Roof Replacement
HO 04 98 05 11 Refrigerated Personal Property
HO 06 12 05 11 Residence Held in Trust
HO 04 90 05 11 Personal Property Replacement Cost Loss Settlement
HO 05 31 05 11 Functional Replacement Cost Loss Settlement
HO 24 86 10 11 Personal Injury
HO 24 75 10 00 Outboard Motors and Watercraft Liability
Type of Boat
<Type of Boat>
UPC 04 94 03 15 Windstorm or Hail Exclusion
HO 03 40 10 11 Windstorm Percentage Deductible - New York
UPC 04 95 06 15 Limited Water Backup and Sump Discharge or Overflow
UPC 611 NY 05 16 Premier Package
UPC 612 NY 05 16 Premier Plus Package
UPC 613 03 15 Equipment Breakdown
UPC 614 06 15 Identity Theft Expense and Resolution
UPC 615 05 16 Animal Liability Endorsement
UPC 616 05 16 Golf Cart Physical Damage and Liability
UPC 617 05 16 Golf Cart Physical Damage and Liability
UPC 618 09 15 Limited Fungi, Wet or Dry Rot or Bacteria Coverage
Section I Limit Per Loss
<Coverage Selection>
UPC 620 06 15 Limited Water Damage Coverage
HO 04 16 10 00 Premises Alarm or Fire Protection System
UPC 623 06 15 Non-Structural Hail Loss Limitation
UPC NY 03 05 16 New York Homeowners 3 - Special Form
UPC NY 05 05 16 New York Homeowners 5 - Comprehensive Form
HO P 004 05 11 Limited Home Day Care Coverage Advisory Notice to Policyholders
IL P 001 01 04 U.S. Treasury Department's Office of Foreing Assets Control ("OFAC") Advisory Notice to Policyholders
UPC 207 NY 05 16 Policy Jacket
UPC 424 09 15 Privacy Notice
UPC 601 06 15 Recreational or Service Vehicle Exclusion
UPC 602 06 15 Farm & Agricultural Activities Exclusion
HO 24 93 05 02 Workers' Compensation
UPC 622 05 16 Windstorm Exterior Paint or Waterproofing Exclusion - Seacoast
UPC 646 05 16 Lead Liability Exclusion
 d any other forms should be shown on the dec page.
ere. If there is a form that is associated with a coverage or discount, the form # should print next to the coverage/discount name.

, along with any additional information required on the form, or form name if not listed)

Description
Duncan Phyfe Queen Anne Table
Ming Vase
1ct Diamond engagement ring
Men's 3 diamond ring, .5 ct each

Total Limit of Liability

<Coverage
Selection + $1500>
<Coverage
Selection + $2500>

Length Horsepower
<length> <Horsepower>
 Section I Limit Aggregate
<Coverage Selection>

AC") Advisory Notice to Policyholders

m # should print next to the coverage/discount name.

(Total Coverage or
Discount Premium should
(Limit from the Coverage Page, unless otherwise (Deductible on the Coverage always be listed here,
shown) Page or as shown) unless otherwise shown)

Limit Deductible Premium

<Coverage % Selection>% of Coverage A

<Coverage Selection>
<Earthquake Deductible %>
<Earthquake Deductible %>

<Percentage Amount>

<total class premium>

<total class premium>

Increase in Limit of Liability

<Coverage Selection>

<Coverage Selection>
<Coverage Selection>% of Coverage A

$500

<Coverage E Limit>
 $500

Section II Limit
<Coverage Selection>
Home Self-inspections
Inspection Criteria:

Requirements
Roof Cond = -1
or

Ons Score <700/No Hit/No

Score and
Roof Cond 0/Blank/Unknown
and Home Age >12
or
2+claims
or

Cov A<$300,000
Ins Score<700/No Hit/No
Score
and Home Age>12
and roof cond is not equal to 1
or 2
or

Cov A<$750,000
Ins Score<700/No Hit/No
Score
and Home Age>12
and roof cond is not equal to 1
or 2
Code Description Claim Type Scope

ACCDL Accidental discharge/leakage R = Risk/Manual Admitted Losses F = Full Scope

APPL Appliance related water R = Risk/Manual Admitted Losses F = Full Scope

COLL Collision, Upset, Overturn R = Risk/Manual Admitted Losses F = Full Scope

CONTA Contamination/Pollution R = Risk/Manual Admitted Losses F = Full Scope

CRAFT Watercraft R = Risk/Manual Admitted Losses F = Full Scope

CREDT Credit Card R = Risk/Manual Admitted Losses F = Full Scope

DAMAG Damage to property of others R = Risk/Manual Admitted Losses F = Full Scope

DISAP Mysterious disappearance R = Risk/Manual Admitted Losses F = Full Scope

Mysterious disappearance involving
DISSC scheduled property R = Risk/Manual Admitted Losses F = Full Scope

DOG Dog bite (liability) R = Risk/Manual Admitted Losses F = Full Scope

EXTEN Extended coverage perils R = Risk/Manual Admitted Losses F = Full Scope

FIRE Fire R = Risk/Manual Admitted Losses F = Full Scope

FLOOD Flood R = Risk/Manual Admitted Losses F = Full Scope

FOROB Intake of foreign objects R = Risk/Manual Admitted Losses F = Full Scope

Freezing water and subsequent water
FREEZ damamge R = Risk/Manual Admitted Losses F = Full Scope

HAIL Hail R = Risk/Manual Admitted Losses F = Full Scope

IDTHF Identity Theft R = Risk/Manual Admitted Losses F = Full Scope

LAE Loss Adjustment Expense R = Risk/Manual Admitted Losses F = Full Scope

LIAB All other liability R = Risk/Manual Admitted Losses F = Full Scope

LIGHT Lightning R = Risk/Manual Admitted Losses F = Full Scope

LIVES Livestock R = Risk/Manual Admitted Losses F = Full Scope

MEDIC Medical payments R = Risk/Manual Admitted Losses F = Full Scope

MOLD Mold R = Risk/Manual Admitted Losses F = Full Scope

MOVE Earth Movement R = Risk/Manual Admitted Losses F = Full Scope

OTHER All other R = Risk/Manual Admitted Losses F = Full Scope

PHYDA All other physical damage R = Risk/Manual Admitted Losses F = Full Scope

QUAKE Earthquake R = Risk/Manual Admitted Losses F = Full Scope

SINK Sinkhole R = Risk/Manual Admitted Losses F = Full Scope

SLIP Slip/fall (liability) R = Risk/Manual Admitted Losses F = Full Scope

SMOKE Smoke R = Risk/Manual Admitted Losses F = Full Scope

THEFT Theft/burglary R = Risk/Manual Admitted Losses F = Full Scope

THFSC Theft involving scheduled property R = Risk/Manual Admitted Losses F = Full Scope

VMM Vandalism and malicious mischief R = Risk/Manual Admitted Losses F = Full Scope

WATER Water R = Risk/Manual Admitted Losses F = Full Scope

WC Worker's Compensation R = Risk/Manual Admitted Losses F = Full Scope

WEATH Weather related water R = Risk/Manual Admitted Losses F = Full Scope

WIND Wind R = Risk/Manual Admitted Losses F = Full Scope

ACCDL Accidental discharge/leakage S = Subject F = Full Scope

APPL Appliance related water S = Subject F = Full Scope

COLL Collision, Upset, Overturn S = Subject F = Full Scope

CONTA Contamination/Pollution S = Subject F = Full Scope

CRAFT Watercraft S = Subject F = Full Scope

CREDT Credit Card S = Subject F = Full Scope

DAMAG Damage to property of others S = Subject F = Full Scope

DISAP Mysterious disappearance S = Subject F = Full Scope

Mysterious disappearance involving
DISSC scheduled property S = Subject F = Full Scope
DOG Dog bite (liability) S = Subject F = Full Scope

EXTEN Extended coverage perils S = Subject F = Full Scope

FIRE Fire S = Subject F = Full Scope

FLOOD Flood S = Subject F = Full Scope

FOROB Intake of foreign objects S = Subject F = Full Scope

Freezing water and subsequent water
FREEZ damamge S = Subject F = Full Scope

HAIL Hail S = Subject F = Full Scope

IDTHF Identity Theft S = Subject F = Full Scope

LAE Loss Adjustment Expense S = Subject F = Full Scope

LIAB All other liability S = Subject F = Full Scope

LIGHT Lightning S = Subject F = Full Scope

LIVES Livestock S = Subject F = Full Scope

MEDIC Medical payments S = Subject F = Full Scope

MOLD Mold S = Subject F = Full Scope

MOVE Earth Movement S = Subject F = Full Scope

OTHER All other S = Subject F = Full Scope

PHYDA All other physical damage S = Subject F = Full Scope

QUAKE Earthquake S = Subject F = Full Scope

SINK Sinkhole S = Subject F = Full Scope

SLIP Slip/fall (liability) S = Subject F = Full Scope

SMOKE Smoke S = Subject F = Full Scope

THEFT Theft/burglary S = Subject F = Full Scope

THFSC Theft involving scheduled property S = Subject F = Full Scope

VMM Vandalism and malicious mischief S = Subject F = Full Scope

WATER Water S = Subject F = Full Scope

WC Worker's Compensation S = Subject F = Full Scope

WEATH Weather related water S = Subject F = Full Scope

WIND Wind S = Subject F = Full Scope

ACCDL Accidental discharge/leakage R = Risk, S = Subject F = Full Scope

APPL Appliance related water R = Risk, S = Subject F = Full Scope

COLL Collision, Upset, Overturn R = Risk, S = Subject F = Full Scope

CONTA Contamination/Pollution R = Risk, S = Subject F = Full Scope

CRAFT Watercraft R = Risk, S = Subject F = Full Scope

CREDT Credit Card R = Risk, S = Subject F = Full Scope

DAMAG Damage to property of others R = Risk, S = Subject F = Full Scope

DISAP Mysterious disappearance R = Risk, S = Subject F = Full Scope

Mysterious disappearance involving
DISSC scheduled property R = Risk, S = Subject F = Full Scope

DOG Dog bite (liability) R = Risk, S = Subject F = Full Scope

EXTEN Extended coverage perils R = Risk, S = Subject F = Full Scope

FIRE Fire R = Risk, S = Subject F = Full Scope

FLOOD Flood R = Risk, S = Subject F = Full Scope

FOROB Intake of foreign objects R = Risk, S = Subject F = Full Scope

Freezing water and subsequent water
FREEZ damamge R = Risk, S = Subject F = Full Scope

HAIL Hail R = Risk, S = Subject F = Full Scope

IDTHF Identity Theft R = Risk, S = Subject F = Full Scope

LAE Loss Adjustment Expense R = Risk, S = Subject F = Full Scope

LIAB All other liability R = Risk, S = Subject F = Full Scope

LIGHT Lightning R = Risk, S = Subject F = Full Scope

LIVES Livestock R = Risk, S = Subject F = Full Scope

MEDIC Medical payments R = Risk, S = Subject F = Full Scope

MOLD Mold R = Risk, S = Subject F = Full Scope

MOVE Earth Movement R = Risk, S = Subject F = Full Scope

OTHER All other R = Risk, S = Subject F = Full Scope

PHYDA All other physical damage R = Risk, S = Subject F = Full Scope

QUAKE Earthquake R = Risk, S = Subject F = Full Scope

SINK Sinkhole R = Risk, S = Subject F = Full Scope

SLIP Slip/fall (liability) R = Risk, S = Subject F = Full Scope

SMOKE Smoke R = Risk, S = Subject F = Full Scope

THEFT Theft/burglary R = Risk, S = Subject F = Full Scope

THFSC Theft involving scheduled property R = Risk, S = Subject F = Full Scope

VMM Vandalism and malicious mischief R = Risk, S = Subject F = Full Scope

WATER Water R = Risk, S = Subject F = Full Scope

WC Worker's Compensation R = Risk, S = Subject F = Full Scope

WEATH Weather related water R = Risk, S = Subject F = Full Scope

WIND Wind R = Risk, S = Subject F = Full Scope

ACCDL Accidental discharge/leakage R = Risk L = Limited Scope

APPL Appliance related water R = Risk L = Limited Scope

COLL Collision, Upset, Overturn R = Risk L = Limited Scope

CONTA Contamination/Pollution R = Risk L = Limited Scope

CRAFT Watercraft R = Risk L = Limited Scope

CREDT Credit Card R = Risk L = Limited Scope

DAMAG Damage to property of others R = Risk L = Limited Scope

DISAP Mysterious disappearance R = Risk L = Limited Scope

Mysterious disappearance involving
DISSC scheduled property R = Risk L = Limited Scope

DOG Dog bite (liability) R = Risk L = Limited Scope

EXTEN Extended coverage perils R = Risk L = Limited Scope

FIRE Fire R = Risk L = Limited Scope

FLOOD Flood R = Risk L = Limited Scope

FOROB Intake of foreign objects R = Risk L = Limited Scope

Freezing water and subsequent water
FREEZ damamge R = Risk L = Limited Scope

HAIL Hail R = Risk L = Limited Scope

IDTHF Identity Theft R = Risk L = Limited Scope

LAE Loss Adjustment Expense R = Risk L = Limited Scope

LIAB All other liability R = Risk L = Limited Scope

LIGHT Lightning R = Risk L = Limited Scope

LIVES Livestock R = Risk L = Limited Scope

MEDIC Medical payments R = Risk L = Limited Scope

MOLD Mold R = Risk L = Limited Scope

MOVE Earth Movement R = Risk L = Limited Scope

OTHER All other R = Risk L = Limited Scope

PHYDA All other physical damage R = Risk L = Limited Scope

QUAKE Earthquake R = Risk L = Limited Scope

SINK Sinkhole R = Risk L = Limited Scope

SLIP Slip/fall (liability) R = Risk L = Limited Scope

SMOKE Smoke R = Risk L = Limited Scope

THEFT Theft/burglary R = Risk L = Limited Scope

THFSC Theft involving scheduled property R = Risk L = Limited Scope

VMM Vandalism and malicious mischief R = Risk L = Limited Scope

WATER Water R = Risk L = Limited Scope

WC Worker's Compensation R = Risk L = Limited Scope

WEATH Weather related water R = Risk L = Limited Scope

WIND Wind R = Risk L = Limited Scope

ACCDL Accidental discharge/leakage R = Risk L = Limited Scope

APPL Appliance related water R = Risk L = Limited Scope

COLL Collision, Upset, Overturn R = Risk L = Limited Scope

CONTA Contamination/Pollution R = Risk L = Limited Scope

CRAFT Watercraft R = Risk L = Limited Scope

CREDT Credit Card R = Risk L = Limited Scope

DAMAG Damage to property of others R = Risk L = Limited Scope

DISAP Mysterious disappearance R = Risk L = Limited Scope

Mysterious disappearance involving
DISSC scheduled property R = Risk L = Limited Scope

DOG Dog bite (liability) R = Risk L = Limited Scope

EXTEN Extended coverage perils R = Risk L = Limited Scope

FIRE Fire R = Risk L = Limited Scope

FLOOD Flood R = Risk L = Limited Scope

FOROB Intake of foreign objects R = Risk L = Limited Scope

 Freezing water and subsequent water
FREEZ damamge R = Risk L = Limited Scope

HAIL Hail R = Risk L = Limited Scope

IDTHF Identity Theft R = Risk L = Limited Scope

LAE Loss Adjustment Expense R = Risk L = Limited Scope

LIAB All other liability R = Risk L = Limited Scope

LIGHT Lightning R = Risk L = Limited Scope

LIVES Livestock R = Risk L = Limited Scope

MEDIC Medical payments R = Risk L = Limited Scope

MOLD Mold R = Risk L = Limited Scope

MOVE Earth Movement R = Risk L = Limited Scope

OTHER All other R = Risk L = Limited Scope

PHYDA All other physical damage R = Risk L = Limited Scope

QUAKE Earthquake R = Risk L = Limited Scope

SINK Sinkhole R = Risk L = Limited Scope

SLIP Slip/fall (liability) R = Risk L = Limited Scope

SMOKE Smoke R = Risk L = Limited Scope

THEFT Theft/burglary R = Risk L = Limited Scope

THFSC Theft involving scheduled property R = Risk L = Limited Scope

VMM Vandalism and malicious mischief R = Risk L = Limited Scope

WATER Water R = Risk L = Limited Scope

WC Worker's Compensation R = Risk L = Limited Scope

WEATH Weather related water R = Risk L = Limited Scope

WIND Wind R = Risk L = Limited Scope

Claim Disposition UPC Loss Mapping Rate Count in uw
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Water Damage or Pipe Burst Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Water Damage or Pipe Burst Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Vehicle Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Fire Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Freezing Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Wind/Hail N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Mold Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Sinkhole N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Smoke Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Water Damage Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Wind/Hail N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Water Damage or Pipe Burst Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Water Damage or Pipe Burst Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Vehicle Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Fire Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Freezing Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Wind/Hail N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Mold Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Sinkhole N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Smoke Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Water Damage Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability Y Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N Y
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Wind/Hail N Y
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Water Damage or Pipe Burst N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Water Damage or Pipe Burst N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Vehicle N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Liability N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Theft/Vandalism N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Theft/Vandalism N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Liability N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Fire N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Weather N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Freezing N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Wind/Hail N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Liability N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Weather N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Liability N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Mold N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Weather N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Other N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Weather N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Sinkhole N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Liability N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Smoke N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Theft/Vandalism N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Theft/Vandalism N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Theft/Vandalism N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Water Damage N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Liability N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Weather N N
W (Withdrawn), D (Under Deductible), P
(Peril Not Covered) Wind/Hail N N
S (Subrogation) Water Damage or Pipe Burst N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Water Damage or Pipe Burst N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Vehicle N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Fire N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Freezing N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Wind/Hail N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Mold N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Other N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Sinkhole N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Smoke N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Theft/Vandalism N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Water Damage N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Liability N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Weather N N
S (Subrogation), O or Blank (Open/Active), C
(Closed), XX (other) Wind/Hail N N
O or Blank (Open/Active), C (Closed), XX
(other) Water Damage or Pipe Burst N N
O or Blank (Open/Active), C (Closed), XX
(other) Water Damage or Pipe Burst N N
O or Blank (Open/Active), C (Closed), XX
(other) Vehicle N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Liability N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Theft/Vandalism N N
O or Blank (Open/Active), C (Closed), XX
(other) Theft/Vandalism N N
O or Blank (Open/Active), C (Closed), XX
(other) Liability N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Fire N N
O or Blank (Open/Active), C (Closed), XX
(other) Weather N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Freezing N N
O or Blank (Open/Active), C (Closed), XX
(other) Wind/Hail N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Liability N N
O or Blank (Open/Active), C (Closed), XX
(other) Weather N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Liability N N
O or Blank (Open/Active), C (Closed), XX
(other) Mold N N
O or Blank (Open/Active), C (Closed), XX
(other) Weather N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Other N N
O or Blank (Open/Active), C (Closed), XX
(other) Weather N N
O or Blank (Open/Active), C (Closed), XX
(other) Sinkhole N N
O or Blank (Open/Active), C (Closed), XX
(other) Liability N N
O or Blank (Open/Active), C (Closed), XX
(other) Smoke N N
O or Blank (Open/Active), C (Closed), XX
(other) Theft/Vandalism N N
O or Blank (Open/Active), C (Closed), XX
(other) Theft/Vandalism N N
O or Blank (Open/Active), C (Closed), XX
(other) Theft/Vandalism N N
O or Blank (Open/Active), C (Closed), XX
(other) Water Damage N N
O or Blank (Open/Active), C (Closed), XX
(other) Liability N N
O or Blank (Open/Active), C (Closed), XX
(other) Weather N N
O or Blank (Open/Active), C (Closed), XX
(other) Wind/Hail N N
U/W Decision

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline
> 1 Decline, 1 of this category and 2 of any
other loss Decline
> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

Proceed as normal

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

Proceed as normal

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

Proceed as normal

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

Proceed as normal

Refer to u/w for review

> 2 of any loss used in rating - Decline

Proceed as normal

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline
> 1 Decline, 1 of this category and 2 of any
other loss Decline
> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

Proceed as normal

Proceed as normal

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline
> 1 Decline, 1 of this category and 2 of any
other loss Decline
> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

Proceed as normal

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

Proceed as normal

> 2 of any loss used in rating - Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

Proceed as normal

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

Proceed as normal

Refer to u/w for review

> 2 of any loss used in rating - Decline

Proceed as normal

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline
> 1 Decline, 1 of this category and 2 of any
other loss Decline
> 1 Decline, 1 of this category and 2 of any
other loss Decline

> 2 of any loss used in rating - Decline

> 1 Decline, 1 of this category and 2 of any
other loss Decline

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal
Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal
Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Proceed as normal
Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal
Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal

Proceed as normal

Refer to u/w for review

Proceed as normal

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Refer to u/w for review

Proceed as normal

Proceed as normal

Proceed as normal
ss requirements for NSF/Non-pay
NSF Down Payment:
·        Payment is taken at bind date
·        Notice of Cancellation (UPC 722 07 20) will generate as soon as NSF is received
o   NSF received, process through batch, then NSF Notice of Cancellation (UPC 722 07 20)
will be sent next day
·        15 days’ notice + 5 days mail time = 20 days’ notice
·        Cancellation transaction date = today’s date + 20 days
·        Payment due date = on coupon it will be today’s date + 20 days (premium + fee as total due)
·        Cancellation effective date = policy effective date
·        Updated Notice of Cancellation (UPC 722 07 20) will describe the NSF $25 fee

NSF Installment:
·        Policy is set up on installment plan
·        Notice of Cancellation (UPC 722 07 20) will generate as soon as NSF is received
o   NSF received, process through batch, then NSF Notice of Cancellation (UPC 722 07 20) will be
·        15 days’ notice + 5 days mail time = 20 days’ notice
·        Cancellation effective date = equity date if equity date is greater than 20 days from NSF processed
·        Cancellation effective date = today’s date + 20 days if equity date is less than 20 days from NSF processed
·        Payment due date = day after the document is sent, up till the equity date
·        Cancellation transaction date = day after the equity due date
·        Updated Notice of Cancellation (UPC 722 07 20) will describe the NSF $25 fee

NSF Renewal:
·        Policy is set up to auto renew and fails due to NSF
·        Notice of Cancellation (UPC 722 07 20) will generate as soon as NSF is received
o   NSF received, process through batch, then NSF Notice of Cancellation (UPC 722 07 20) will be
·        15 days’ notice + 5 days mail time = 20 days’ notice
·        Cancellation transaction date = today’s date + 20 days
·        Payment due date = on coupon it will be today’s date + 20 days (premium + fee as total due)
·        Cancellation effective date = policy renewal effective date
·        Updated form will describe the NSF $25 fee

Return Bank Item/Non-Pay/Any other reject reason than NSF – Down Payment:
·        Payment is taken at bind date
·        Notice of Cancellation UPC 722 07 20 will generate as soon as RBO/non-pay is received
o   RBI received, process through batch, then Notice of Cancellation (UPC 722 07 20) will be sent
·        15 days’ notice + 5 days mail time = total of 20 days’ notice
·        Cancellation transaction date = today’s date + 20 days
 ·        Payment due date = on coupon it will be today’s date + 20 days (premium total due)
·        Cancellation effective date = policy effective date

Return Bank Item/Non-Pay/Any other reject reason than NSF – Installment:

·        Policy is set up on installment plan
·        Notice of Cancellation (UPC 722 07 20) will generate as soon as RBI/non-pay is received
o   RBI received, process through batch, then Notice of Cancellation (UPC 722 07 20) will be sent
·        15 days’ notice + 5 days mail time = 20 days’ notice
·        Cancellation effective date = equity date if equity date is greater than 20 days from RBI processed
·        Cancellation effective date = today’s date + 20 days if equity date is less than 20 days from RBI processed
·        Payment due date = day after the document is sent, up till the equity date
·        Cancellation transaction date = day after the equity due date

Return Bank Item/Non-Pay/Any other reject reason than NSF – Renewal:

·        Policy is set up to auto renew and fails due to RBO/non-pay
·        Notice of Cancellation (UPC 722 07 20) will generate as soon as NSF is received
o   RBI received, process through batch, then Notice of Cancellation (UPC 722 07 20) will be sent
·        15 days’ notice + 5 days mail time = 20 days’ notice
·        Cancellation transaction date = today’s date + 20 days
·        Payment due date = on coupon it will be today’s date + 20 days (premium + fee as total due)
·        Cancellation effective date = policy renewal effective date
lation (UPC 722 07 20)

ee as total due)

lation (UPC 722 07 20) will be sent next day

s from NSF processed

20 days from NSF processed

lation (UPC 722 07 20) will be sent next day

ee as total due)

n (UPC 722 07 20) will be sent next day

n (UPC 722 07 20) will be sent next day

s from RBI processed

20 days from RBI processed

n (UPC 722 07 20) will be sent next day

ee as total due)