Policy
What is the tree/debris removal limit on a mobile home policy in South Carolina?
$500
What does FSS stand for?
Fire Service Scheduling
What does CFEU stand for?
Centralized Fire Estimatics Unit
What does ECHP stand for?
Estimatics Claim Handling Practices
In our operation, is the hurricane deductible being applied to hurricane losses?
No
What amount does the policy cover for Wood Fences?
Actual Cash Value
What goal has the SC operation set for CHIP utilization?
80%
Name two criteria that applies to all structural repair estimates when evaluating if an estimate should be submitted to CFEU for review
1. Initial structural repair estimate exceeds $100,000.
2. Supplemental estimate reviews that exceed 25% of (a) structural estimate previously evaluated by CFEU or (b) the most recently paid upon structural estimate
Certain states require us to include specific language in denial letters. Where can I find this info?
Jurisdictional References
NI has an apartment with a renter’s policy. Water leaked into the apartment because the roof was worn out and damaged NI’s personal property.
No coverage because the water did not enter through a wind/hail-created opening.
What are the conditions for Tree Debris Removal coverage?
The tree has damaged Cov A property or a tree felled by wind/hail/snow blocks access to the home.
What are the four experience factors customers evaluate us on through the CES?
When would GCO&P be appropriate to include on an estimate?
When the repairs are complex and require additional coordination between trades.
I want to send a claim to CCT (Centralized Contents Team) for assistance, but don’t know what to put in my file note. Where should I look?
SCP’s and/or ECS File Note Templates
On April 9, 2025, Betty Boop filed a claim for damages associated with a September 27, 2024 DOL. During your QFC, what is one of the first things you ask about the filing date? What's the first letter you send that needs TM approval?
Ask the insured the reason why she filed the claim so late.
Send an ROR letter
What does Option ID provide?
Increased Dwelling – Provides additional coverage if the claim exceeds the Cov A limit
The Company's growth results influence the EIP. Name two ways we grow and sustain our business.
1. Attracting and retaining more customers by anticipating and meeting our customers' needs.
2. Balancing growth with profit
3. Protecting our financial strength
4. Creating high-performing teams
What is the “Picture Frame Method”?
A way to write an estimate or complete repairs that blends the repair into the rest of the undamaged wall/ceiling.
Where can I find information and diagrams related to construction methods?
ClaimsNet
During a storm, wind blows down several trees. One of the trees hits the house. Another tree falls into the street. The heavy rain causes mud to slide into the in-ground pool.
Wind/tree damage to the house is covered. Trees that just fell in the street or yard are not covered. No coverage for the mudslide.
Name at least three (3) letters that MAY NOT BE EMAILED in South Carolina. They should be printed and mailed with a digital or handwritten signature.
1. Certificate of Coverage
2. Reservation of Rights
3. Denials and disclaimers
4. Letters containing policy language
5. DOI/Dept of Commerce responses
6. Enterprise SIU letters
7. Letters which would have previously been sent to a printer
What are the (3) three new Subrogation Insights?
1. Ready for Sub Automation - RPA (Robotic Process Automation) to automate a sub referral when key data fields are completed.
2. Review for Subrogation Insights - daily query on all Fire Property Claims
3. Early Subrogation ID - help increase sub referrals early on by looking at when the COL is opened
If I’m replacing a section of drywall, what else should my estimate include?
Texture, paint, debris removal. Possibly insulation, contents manip, masking, D&R fixtures.
Where should I go to find in-depth info about water losses?
OG’s – Operation Guides
Wildfire caused damage to NI’s above-ground pool, shared fence, grapefruit trees, and boat trailer.
Pool is covered. Shared fence is covered for 50%. Trees are covered, as long as they are not used for business. Boat trailer is covered, subject to special limits.