IKE
Customer has a physical impairment, lives in the state of Florida.
UW44788
When reviewing property details, you state "There are three masonry fireplaces" The caller responds "Yes, I have 3 but I only use 2 of them, so just 2" What do you input?
Caller asks for a coverage definition. What is the first resource you should try to answer your callers question?
Info Button in Prevail
On an HO6, What coverages must we state when giving the quote?
Coverage A, Coverage C, Deductible
Caller has a trampoline without netting in Michigan. What do we do with that information?
Nothing, there is no GL for trampoline without netting guideline in MI
Customer lives in AZ, wants to know if we will discriminate against her Pit Bull.
REF17467 OR UW40592
You get to the screen where you ask about alternate heat. You develop they have a woodstove that was professionally installed and inspected and is cleaned annual. What else, if anything, do you need to do?
Return to property details to add "Freestanding Stove" to fireplace section.
What three states require us to state stacking selection when carrying UM BI?
PA, NM, FL
At qq you reviewed estimated premium, dwelling and deductible. When going over property details you make some changes and when you get the price it is now higher. Besides the new premium what else do you need to disclose?
What is dwelling coverage (since it likely changed)
Caller says he is the only driver but when asked about the another driver that appeared on the list, you find out that it is his daughter lives in the household. What do you do next?
Develop if she has her own vehicle and own insurance.
Customer is a General Contractor and carries tools of the trade in his truck to and from different locations.
GLS25210
You read off to the caller that the foundation is a basement. And he says "yes, except for the addition is on a crawlspace". What do you do next?
Determine the percentage basement/crawlspace.
When asked about vehicle use, caller says they go to multiple locations for work, What should you ask next?
We would develop business use of vehicle. (We would not develop working less than or greater than 10k because that assumes a commute to one location.)
True or False: Caller states he is single. You can skip the co-applicant question.
FALSE
Caller mentions her son doesn’t live with her and may drive her vehicle about 4x a year. She doesn’t want to add him to the policy, but wants to know if he will still be covered when he drives. Will her son have coverage? If so, what is the terminology?
Yes, since he doesn’t live in the household and doesn’t drive on a regular basis, they are not an exposure, so they do not need to be added. They will be covered under permissive use"
Customer discloses husband is has an injury that leaves him unable to drive. What is the correct IKE article for process handling?
REF17842
You notice the property details page has an extra section on heating and cooling and it says "Central Air Conditioning (2)" What do you need to state to your caller?
You have TWO Central AC units
3pd data shows caller has 250/500 liability but the caller tells you he is actually now carrying 100/300 and that is what he wants. What are your next steps?
Return to the "Current Carrier" screen to edit to 100/300.
You let your caller know that their dwelling coverage is $315k and they tell you that their home is worth $250k. What conversation should you have?
Rebuilding Cost VS Market Value
What endorsement must be included on a home policy issued if you are also issuing a PUP?
Bonus question, which package includes it?
Personal Injury
Premium Package
Customer is calling back, they were previously declined for unrepaired damage three months ago. It's all fixed and they want a quote, what is the correct IKE article for process handling?
PRC50893
You read off to your caller that he has a one story home and he interjects with "Yes, but I have a finished loft in the attic"
A home with a finished attic space is considered a one and a half story home.
Give a reason why a Florida caller with one vehicle may still want to stack Uninsured?
Also applies to vehicles which are owned by the insured in a different state, RVs, Motorcycles etc.
You tell the caller you have that their roof was last replaced in 2004 per the property details screen. The caller says no, it was more recent than that, was some time between 2018 and 2020, but can't tell you exactly which of those years. what do you input?
2018- Worst Case Scenario
Caller is married but doesn't want to add his wife. "She doesn't drive", he explains. What do you do next?
Ask why she doesn’t drive, develop if she is currently or has ever been licensed and if so, was her license voluntarily surrendered. If she is licensed, verify if physically and permanently unable to drive. If not, must be added , we do not exclude or leave off spouses.