WILDCARD
Your hear someone talking to your caller in the background... what must you do
provide recorded line disclosure.
when reviewing property details you state "There are 3 masonry fireplaces" The caller responds "Yeah I have 3 but I only use 2 of them ,so just 2" What do you input?
You would still input 3 as we are obligated to give back what he actually had in the case of a loss.
Caller asks for a coverage definition. What is the first resource you should try to answer your caller's question?
the info button in NewCo
On an HO6, What coverages must we state when giving the quote?
What is Dwelling, Personal property, & Deductible
you get to the screen with the option to select drivers .. what is the first thing you should ask?
What is "who would you like to include as a driver?"
If a caller mentions that they used to be a policyholder, name at least 2 ways this can affect eligibility on a new policy?
What is "Balance owed; Canceled in past 12 months; and Denied for reinstatement in past 12 months (Just need two out of three)
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 each year. What else, if anything, do you need to do?
add it on the property details page in the "fireplace" section
What three states require us to state stacking selection when carrying uninsured motorist bodily injury
What are FL, NM and PA
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 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?
What is "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"
True or false: We can take EFT payment information from a spouse even if they are not listed on the bank account.
False; we can only take EFT information directly from the account holder
You read off to the caller that the foundation is a basement and and he says "yes, except for the addition is on a crawlspace". What do you do next?
click edit find out what percentage is crawlspace and what percentage is basement, Bonus: you will also need to verify percent finished of basement
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. a Co-applicant can be someone else with insurable interest that is not a partner or spouse
Caller is married but doesn't want to add his wife. "She doesn't drive", he explains. What do you do next?
What is "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"
At issue, you find out that one of the vehicles on the policy is actually registered to the caller and his daughter, the other two are just in the caller's name. What do you do?
What is "let the caller know you will need to move the co-owned vehicle to a separate quote. Caller will need one policy for his two vehicles and a second policy for the co-owned vehicle"
you notice the property details page as 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 air conditioning 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?
edit the coverage to 100/300 and then go to the current insurance page and edit the current coverage 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?
Develop what they mean by "worth".. are they referring to market value? Have a conversation about market value vs replacement cost and be confident in our assessment.
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?
What is "develop if she has her own car and insurance"
True or False: If you are doing a first contact bundle, and you get to the "add a spouse or co-applicant; how many household members screen" if you see it is already prefilled with answers, you do not need to verify the information
what is "False": the information automatically gets prefilled from the auto input but still needs to be verified as there may be a spouse, co-applicant or hh members not included on the auto quote.
You read off to your caller that he has a one story home and he interject "yeah but with a finished attic." What should be input?
A home with a finished attic 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?
What is "Stacked Uninsured Motorist coverage also applies to vehicles which are owned by the insured or a family member that are not insured with The Hartford."
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?
When a range is given for roof year, we go with the oldest.. 2018
Your caller tells you that one of the drivers listed on the quote is disabled... what do you need to do next?
What is "check if state physical impairment guidelines apply, and if so, develop the nature of disability"