Property Damage
Damage caused by fire, wind, or hail that is covered by the policy
What is a covered peril
A request made to receive payment after a covered loss
What is a claim?
Coverage for injuries or property damage to others
What is personal liability coverage?
The regular payment you make to keep your homeowners policy active
What is a premium?
Empathy/Rapport/Tie-Down
ERT stand for?
Coverage for damage to the structure of your home
What is dwelling coverage
The cost to replace damaged property without depreciation
What is replacement cost value?
Coverage for medical bills of injured guests, regardless of fault
What is medical payments coverage?
The contract outlining coverage, exclusions, and conditions for your home
What is a homeowners insurance policy?
Have you ever considered getting your roof inspected?
Qualifier Question
Coverage for furniture, clothing, and personal items
What is personal property coverage
The value of property after depreciation
What is actual cash value?
Coverage for temporary housing after a covered loss
What is loss of use?
The person or entity protected by the homeowners policy
What is the insured?
Makes sense right?
Soft Tie-Down
Coverage for damage caused by theft or vandalism
What is theft coverage
Proof provided to support a claim
What is documentation?
Additional liability coverage beyond your homeowners policy
What is an umbrella policy?
The amount you pay out-of-pocket before insurance covers a loss
What is the deductible?
How long you been in the home? Did you grow up in the area? How is your home holding up after the storm?
rapport
Damage not covered by the policy, such as flooding
What is an exclusion
The insurance professional who investigates and settles claims
What is a claims adjuster?
Lawsuit protection when someone is injured on your property
What is premises liability
The maximum amount the insurer will pay for a covered loss
What is the policy limit?
How far should you stand from a door when speaking to a homeowner?
6-8 feet.