Show:
360 I
Heating Systems
360 II
Miscellaneous
Basement
100

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

100

Non Central Heat Systems

What is a wood, coal pellet stove ?

100

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. 


100

No one regularly resides in HH but home is furnished  

What is unoccupied


GLS24387  

100

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. 

200

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



200

Air Conditioning and Heating System One Unit

What is a Heat Pump 

200

What needs to be developed when a customer's home is over 2500 sq ft.?

Heating Systems 

  • Electric baseboard
  • Forced Air
  • Hot water baseboard or radiant
  • Reverse cycle air conditioning
  • Steam
  • Wood Boilers (when used in conjunction with a primary heat source inside the home. For example, gas and electric)
200

$1.00

What is the minimum income when a customer has a business at home?   Decline 

200

50% or 100% Finished

What is a basement?  Why is this important.   If there is a loss, we restore the customer to whole

300

Stucco,  Brick Veneer, Solid Brick, Stone Veneer 

Exterior Wall Finishes

300

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 

300
  • 51%-100% Carpet
  • 51%-100% Hardwood
  • 50% Carpet and 50% Hardwood

 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

300

When would a home be considered Vacant?

  • A home is considered vacant when no one lives there, and it does not contain enough furnishings for a resident to reasonably live there.
  • Minimally, there needs to be at least a bed, chair, table, stove and refrigerator in the home.
  • GLS24386
300

Shallow, Walkout, Slab, Crawl Space 

Types of Basements

400

1.5, 1, 3/4 , 1/2

Bathroom types 

400
  • Fireplaces
  • Floor furnace - built in
  • Pellet stoves
  • Portable space heaters
    • Includes kerosene heaters
  • Wall heaters (gas and electric) - built in
  • Wood stove
  • What is a non central heat source ?
  • GLS24048
400

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?"

  • Update ISO with the flooring types names with the original prefilled percent.
  • Do not discuss percentages.
400

When would it be acceptable to have a future effective date for a  HO3  or HO6 home?

REF12319

  • If purchasing a new home:
    • Within 60 days, the effective date is the day of the closing.
    • 60 days or more, advise the customer to call back within 60 days of the closing.
400

When do you adjust Basement Quality  

Never Touch.   System will adjust as necessary

500

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

500

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.

500

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


500

Any future effective date is acceptable for home. 

What is Home Only HO4   


REF12319

500

(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