FNOL
What are the 3 types of claims FTM does not complete a QFC for?
Casualty, BCFR, & WCCS
If under $20,000 - send an authority request to your TM for coverage limits.
False - you are to use Blue Nile or the jewelry store's website that the customer used to purchase the item.
What is FIOT used for?
Determining the appropriate way that the damage will be assessed
Supply line to a fridge stops working after 10 years. There hasn't been any recent work done.
Fridge is most likely W/T/D, no coverage. Coverage for ensuing damage - such as the floor.
What is the name of the template to use to make sure you're getting credit for FNOL Water Losses?
Dynamic QFC Template
You may conduct the QFC with the agent's office
False
If an agent requests that you send them a JRQ, what do you advise them?
We are unable to do so based on the contract that we have with the jewelers in the SFRP
What does FIOT stand for?
Fire Inspection Options Tool
Customer accidentally broke the shut off valve to a toilet.
Shut off valve & ensuing damage.
Who should be added as participants to a water claim?
Plumber/contractor, service provider, RP if applicable
FIOT should be used on every single claim
False - only run FIOT on FNOL for water claims with Coverage A damage
What are 2 watch brands that do not go through SFRP?
Rolex and Patek Phillipe
An ACH should always be sent out for water damage
False
Water heater is leaking. Customer is not sure why. Entire garage now has standing water.
Not enough info to determine if water heater is covered, but there is coverage for the ensuing damage
The customer has not hired a mitigation company, nor has a plumber come out to provide a DX. What is the next step when it comes to mitigation?
Set expectations with the customer that they have the duty to mitigate the damage. Do not set an assignment or give referral.
When and how to you set a coverage alert?
When there is a coverage question (such as mold, CRSL, delayed reporting, policy not in good status)
Click on the ! symbol in ECS, select the drop down for Coverage. Document in your pending FN for the claim owner.
A customer inherited their grandmother's 70 year old ring. The diamond fell out and it was not due to any impact. What do we owe?
We would need a DX from a jeweler to determine the COL. If it is W/T/D, there is no coverage.
What is the difference between HCCS Stewardship & Proximity?
HCCS is in-office, Proximity is in the field.
Bathtub overflowed and caused damage to the flooring. This was due to the NI forgetting to turn off the water.
Coverage to ensuing damage
Customer has standing water in the basement. They are not sure where it is coming from. What questions you ask?
Have you recently had storms in your area? Has a plumber done any recent work? When did you start noticing the water? How high up is the water?
What role does FTM play in ALE?
If the home is uninhabitable, an ALE COL must be opened. We can grant ALE for 3 days. LARA is the tool that is used for setting up housing.
What needs to be sent to the SFRJ when a JRQ is being sent?
The customer's appraisal
When would FTM first contact settle a water loss?
Never
Renter's policy. Customer had a leak and water got all over their couch and clothes. The apartment complex fixed the leak but now the customer is saying that their clothes are covered in mold.
Coverage question - view policy endorsements to verify if the customer has limited coverage.
What is the difference between uninhabitable vs. uncomfortable?
Example: The customer has water all over their guest bathroom floor. However, that is the only impacted room in the loss. This may be an inconvenience but does not make the house uninhabitable.