KR
A customer calls in to find out what their next payment will be, but when you look at the billing tab their combined payments do not equal their total premium. (No changes were made to the policy)
KR to accounting Accounting
What does SONL stand for and where can you find the form?
"Statement of no loss," HelloSign
What is the difference between partial sinkhole and Catastrophic Ground Cover Collapse Coverage?
Sinkhole coverage applies when you have a partial loss due to sinkhole activity that does not qualify as catastrophic.
Catastrophic Ground Cover Collapse (CGCC) is a severe form of sinkhole coverage, and it's included in a standard Florida homeowners insurance policy.
How much is the fire alarm discount?
There is not a set dollar amount or percentage.
How many days does the mortgagee have to make payment?
90
Greg calls and stated that he emailed his wind mit to us 10mins ago. You go to his docs tab and see that the wind mit was uploaded, but credits have not been applied yet. Is a KR needed?
This does not need a KR.
If a customer sends it in and it's uploaded to the PAS, UW will be automatically notified to review; they will add the credits and alert the customers regarding an increase/decrease.
If the Wind Mit hasn't already been uploaded, please upload it to the PAS and transfer the email containing the Wind Mit to the UW Support Queue.
Cathy called because her lender has yet to send a payment for her renewal and her policy has expired. If it's within 90 days and the customer wants to pay the policy themselves, what should we do?
We need their credit card information and a signed SONL. Then submit a KR to Accounting.
Hurricane screened enclosure coverage covers the _______ but not the _______.
Hurricane screened enclosure coverage covers the frame but not the screen material.
Name at least 3 wind mit credits?
First Credit: FBC Equivalent
Second Credit: Roof Deck Attachment
Third Credit: Roof to Wall Attachment
Fourth Credit: Roof Shape/Geometry
Fifth Credit: Secondary Water Resistance (SWR)
Sixth Credit: Opening Protection (Important!)
Can we change the billing method in the middle of a payment schedule?
no
Remove credit card on file
CS Support (Online)
If payment was received, and cancellation needs to be backdated more than 7 days, you can request:
Proof of replacement coverage (Declaration Page)
Proof of sale (If the closing took place over 30 days in the past, we can also find this on the county appraiser's website!)
Proof of paid-off mortgage (If the customer is going to self-insure or the mortgage no longer requires coverage
What is RSPS, and what does it do?
Roof Surfacing Payment Schedule: In exchange for a lower premium, this endorsement means if wind or hail damage your roof, your roof’s depreciation will be subtracted from your claims settlement. Roof depreciation is based on its age and surface materials.
What is required in order to be eligible for the burglar alarm discount?
Coverage C needs to be at 40% or higher and the alarm needs to be centrally monitored.
What is the difference between accounting and account management?
Accounting handles billing/payment. Account Management handles compliance/cancelation/non-renewal issues
If a customer is being non-renewed by a TPS carrier, send a KR to our online customer support team.
False
Please send a KR to Retention to see if the customer is Kin eligible or if they can be placed with another TPS carrier.
A _______ is when a policy is canceled before ever going into effect; in these cases, we are voiding any coverage the customer could have received from our policy.
Flat Cancellation
What is replacement cost contents?
This determines if the client's personal property is covered under replacement cost or actual cash value.
A neighborhood watch counts as 24/7 Paid Patrol Service.
False
Community Patrol is when a residential community is protected by a community-hired patrol guard 24 hours a day; the guard performs their patrol via foot or vehicle.
What is the difference between adding Kin flood for FL vs LA?
FL flood can be added midterm LA cannot.
Where do you send a subscriber’s agreement blocker?
Post it in your team channel, or if nobody is available to lift the blocker, send a KR to UW.
What do we need if a LA customer wants to cancel their policy?
We require that the insured email in their request to support@kin.com.
What is the difference between Water Damage and Water Backup?
Water Damage: Covers sudden and accidental direct physical loss to covered property by discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance.
Water Backup: Coverage for water damage resulting from a backed-up drain or sump pump. Not to be confused with flood insurance.
A directly monitored alarm is eligible for a discount.
False
Alarms need to be centrally monitored
How do we reorder NIIS inspections?
Email NIIS to cancel the in-person inspection
Set a follow up for when NIIS replies to you that the inspection has been canceled
Click the order button located on the Underwriting tab of the policy
Select the appropriate inspection
Notate the re-order of the inspection in PAS