360 I
Exterior construction, Frame 51% , Brick Veneer 49% for HO 4 and HO 6.
Refer to Construction Type REF13533
What is more than 1 material , use majority
Non Central Heat Systems
What is a wood, coal pellet stove ?
What is the process if ISO is not available?
Ask customer Year Built and Sq. Ft. if they cannot provide , close file as missing information. Ask customer to call back and note the file .
If provided, enter Year Built and Sq. Ft. Press TAB several times to have system prefill. Then procedure with asking all questions.
No one regularly resides in HH but home is furnished
What is unoccupied
GLS24387
When do you add the Sq Foot of the finished basement to total Sq. Foot of the home?
Never.
Total finished sq. ft excludes finished or unfinished basement area and built in garages or attached garages.
Alternative Energy
When a customer states they have solar panels , enter into 360 under Alternative Energy , number of panels . this will capture the correct ITV
Air Conditioning and Heating System One Unit
What is a Heat Pump
What needs to be developed when a customer's home is over 2500 sq ft.?
Heating Systems
$1.00
What is the minimum income when a customer has a business at home? Decline
50% or 100% Finished
What is a basement? Why is this important. If there is a loss, we restore the customer to whole
Stucco, Brick Veneer, Solid Brick, Stone Veneer
Exterior Wall Finishes
3 Heat Pumps / None for AC
How do you enter number of heating systems when you have a heat pump when Sq. is over 2500
FIX NOW !! alert
REF16581
What is the process of validating flooring?
Majority = highest percentage. Only confirm majority of the floor covering.
50/50 you have carpet and Hardwood
When would a home be considered Vacant?
Shallow, Walkout, Slab, Crawl Space
Types of Basements
1.5, 1, 3/4 , 1/2
Bathroom types
That is not the flooring I have !
Avoid Conversation with percentages. This is the only time you should ask your customer, "What is the majority of your floor covering?"
When would it be acceptable to have a future effective date for a HO3 or HO6 home?
REF12319
When do you adjust Basement Quality
Never Touch. System will adjust as necessary
Zero Clearance, Masonry, None, Freestanding Stove
Fireplace,
Zero Clearance - You have a fireplace
Masonry - You have a brick chimney
None- You do not have a fireplace
Freestanding Stove- enter manually
Forced Air System
These systems employ a duct system to circulate hot air to each room with a cold air return duct system. A blower fan forces the air to circulate. A regulator connected to a thermostat propels the air through ducts to registers and back to the furnace for reheating. Temperature is controlled by a thermostat.
What do you do if the customer wants to increase the value of the home over the ITV?
Re verify sq. ft. Check GL for the state if ITV can be increased.
Some states allow 20% more for Coverage A
Any future effective date is acceptable for home.
What is Home Only HO4
REF12319
(Not your Basement Question) Detached Garage, Pole Barn, Work Shop. Pool House
Covered under Other Structures. Do not add to the 360. If Coverage B is not sufficient , Add other structure Endorsement increase limit