Auto
Where and how do you ask about drivers on an auto quote?
After asking about all persons on the current carrier screen then ask, "any other drivers?".
How many pictures are required to be viewed to quote a home?
Two, Aerial View and Front View.
For a new build two years and younger, none.
DAILY DOUBLE
What is the minimum amount of personal property for renters to be offered to receive a pass?
$10,000
How many samples/audits can a rep expect every month?
There is no set number of samples/audits each month per rep. Samples/audits are pulled randomly based on the audit material and sample size.
The number of adults in the household is required to be asked in what state and product?
California home
Tort is a coverage in which state?
Full Tort and Limited Tort are offered in Pennsylvania only.
When reviewing acceptability, what questions should be asked in their entirety?
* Does your home or any structure on the property have any unrepaired damages such as: A) Peeling paint or damaged exterior walls, if yes, “are there signs of extreme wear?” B.) Is any part of your roof missing, broken, lifting, or curling?
* Are there any hazards, liabilities, exposures or ongoing maintenance issues with the property?
Zipcode tool is not required to be used on what product(s)?
Renters
What resources can be used to assist with Quality?
KCS
Quicklinks
One state does not have Building property coverage, what is that state and where can this coverage be added?
Texas does not have building property coverage, however, this coverage is calculated in personal property.
When a customer is a homeowner what is required when reviewing coverage?
An advocate is required to offer and explain the risks of carrying lower BI/PD limits of less than 100/300/100 to a customer who owns a home.
What is required when reviewing loss history?
In the quote: when the losses/claims tab is red review any claims and follow the guidelines according to the acceptability for the specific state.
What state requires a dog breed exclusionary form?
California is the only state where the breed of the dog matters regardless of bite history.
What is a learning opportunity?
A learning opportunity is a notification sent to your supervisor if data was not managed properly but does not require a quote/policy correction.
Pre-bid disclosures require an IVR transfer prior to reviewing coverage in which three states?
California - auto
Arkansas - home
Minnesota - auto
For driving history in BW, what are the requirements?
In BW, it is required to ask about violations and not-at-fault accidents in the last 3 years and at-fault accidents in the last 5 years.
Name the 11 required items to be reviewed in the 360.
Year Built
Square Footage
Quality Grade
Use/Type
# of Stories/# of Units
Foundation Type
% Basement Finished
Exterior Wall Finish
Roof Cover
Garage
Fireplace
In Texas, personal property at this amount and lower must be discussed and why?
$25,000 and lower in personal property in TX defaults to ACV vs. RCV. The customer must be aware of the difference between the two coverages.
Who will review your quality results with you?
Supervisor during your 1:1 time.
Name four states that are affected by Fireline?
Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Utah, Washington.
What is the difference between business use and rideshare?
A.) Business use - using the vehicle for business. Driving to different locations, not for delivery.
B.) Rideshare - is a coverage endorsement.
Which state has three deductibles that are required to be reviewed?
Texas
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What coverage is required to be reviewed ono a condo quote?
Personal Property
Building Property
Liability
Deductibles
Additional Endorsements
What is an immediate action?
An Immediate action is when an audit is marked as a "fail" because data was not managed properly on a quote/policy and a correction is needed.
What five pieces of customer information are required to be asked when starting a quote?
Name
Address
DOB
Marital Status
Social Security
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