California. Dwelling Fire Web
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1 California Dwelling Fire Web
2 Dwelling Fire Web - Index TOPIC SLIDE # About Dwelling Fire Web 3 Coverage Options 4 Condos 5 & 10 Underwriting 11 Manuals 13 Quoting & Issuing 14 Viewing & Endorsing 25 Cancellations 29 Billing Info 31 CA DF Web
3 About Dwelling Fire Web Quote & Submit Dwelling Fire Applications Online Use Dwelling Fire Web on Quotes save for 30 days Download not available Policy can be backdated up to 30 days **Note: Underwriting approval is required to backdate beyond contractual binding authority of 10 business days) Endorsements & Cancellations submit online CA DF Web
4 CA Dwelling Fire Info Deductible Valid options: $500, $1,000, or $2,500 Structure Type Valid options: Dwelling Apartment Condo Townhouse Rowhouse Co-op Dwelling Under Construction Obtain underwriter approval before binding; additional guidelines apply Premium is increased if home is under construction Agency Customer ID If entered, will appear on Customer Documents (Quote Summary, Application, Binder) and also declarations page CA DF Web
5 Dwelling Fire Policy Forms DP2 Broad Policy (06-96) includes 16 perils 1. Fire or Lightning 2. Windstorm or Hail 3. Explosion 4. Riot or Civil Commotion 5. Aircraft (damage caused by) 6. Vehicles (damage caused by) 7. Smoke 8. Volcanic Action 9. Vandalism or Malicious Mischief Use DP2 for condo rented to others Attach DP 1766 for Building Items Attach DP 0465 for Special Coverage on Building Items 10. Damage by Burglars 11. Falling Objects 12. Weight of Ice, Snow, or Sleet 13. Accidental Discharge or Overflow of Water or Steam 14. Sudden And Accidental Tearing Apart, Cracking, Burning Or Bulging 15. Freezing 16. Sudden And Accidental Damage From Artificially Generated Electrical Current DP3 Special Policy (06-96) provides the best coverage Coverage A & B Open perils subject to standard exclusions CA DF Web
6 Dwelling Fire Coverage Dwelling (Coverage A) covers the building Other Structure (Coverage B) covers detached structures. 10% of the Coverage A limit is automatically included on all policy forms. Personal Property (Coverage C) covers personal property/contents (optional) Fair Rental Value (Coverage D) & Additional Living Expense (Coverage E) - coverage for loss of fair rental value and additional living expenses incurred by the insured - 10% of the Coverage A limit is automatically included on DP- 2 and DP-3 forms (20% in Texas) Personal Liability optional Medical Payments optional CA DF Web
7 Optional Endorsements Extended Replacement Cost Dwelling* (VS 1541) Up to 150% of Coverage A Cost = $3 per year *Note although this coverage is automatic on California HO3 policies, it is optional on California DP3 policies and not available for homes built prior to 1920 Ordinance & Law Coverage* (DP 0471) DP2 & DP3 include Ordinance Or Law up to 10% of Cov A Can increase to 25%, 50%, 75% or 100% of Cov A for additional premium CA DF Web
8 Optional Endorsements Limited Theft Coverage (DP 0473) Must be non-owner occupied On-premises coverage only DP 0470 Burglar Alarm credits are applicable. However, the credits are different than those relating to other coverages. Premises Alarm & Fire Protection System (DP 0470) Premium credits available for properly installed devices Discount(s) automatically given when protective devices are selected 10% Central Fire Alarm 7% Fire Department Reporting Fire Alarm 5% Local Fire Alarm 20% Full Sprinklers (including attic, hallways, closets, etc.) 10% Partial Sprinklers (all except attic, hallways, closets, etc.) CA DF Web
9 Optional Liability Coverage Loss Assessment Liability (DL 2414) Limits available from $1,000 to $50,000 (increments of $1,000) Worker s Comp (DL 2433) Mandatory on all CA policies with liability coverage covers part time employees Can add coverage for fulltime in-servants and/or fulltime out-servants CA DF Web
10 DP2 Condo Rented to Others Policy Information section Select DP-2 Broad for Policy Type Property Information section Select Primary for Premise Usage Select Condo for Structure Type Select Tenant for Occupied By Policy Coverages section Dwelling field will be grayed out; enter Personal Property amount (minimum $1000) Unit Owners Coverage (DP1766) is checked with minimum Cov A (Additions/Alterations) limit $1,000 increase as needed and check box for Special Coverage (DP0465) CA DF Web
11 Dwelling Fire Underwriting Guidelines Excellent maintenance required Condos rented to others Kemper must insure primary No more than 4 rentals per insured; single family residence or duplex only Photos & cost estimator required (keep in file) Primary home guidelines apply regarding brush clearance, brush & landfill mapping, updates, unacceptable risks etc refer to California Products & Underwriting presentation for detailed info On-line CA Dwelling Fire Manual available on Refer to Underwriting Any losses within past 3 years Homes built prior to 1940 Maintain in Agency File (do not send to Kemper): Signed original application (ACORD) CLUE report Replacement cost estimator Photos EFT authorization form Applicable questionnaires (i.e. retrofitting) Other relevant information or documentation CA DF Web
12 Underwriting Proof of Retrofitting Required on all structures built prior to 1950 in the following counties: Alameda, Contra Costa, Del Norte, Humboldt, Imperial, Los Angeles, Marin, Mendocino, Monterey, Napa, Orange, Riverside, San Benito, San Bernardino, San Diego, San Francisco, San Luis Obispo, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Solano, Sonoma, Ventura. Also Coalinga (Fresno County) and Kern County (all areas south and east of Bakersfield city limits) CA Residential Retrofitting Questionnaire Must be completed and signed by the applicant to establish proof of retrofitting Documentation of retrofitting required - structural engineer s report, contractor s invoices with photos, seller s disclosure, etc. CA DF Web
13 Dwelling Fire Manuals How To Access Select Manuals from POLICY PROCESSING menu on Click Select a State Then click on state Underwriting Manuals Click on appropriate link to display Dwelling Fire Manual Contains: Underwriting information Coverage & discount information CA DF Web
14 Dwelling Fire - Quoting & Issuing Log onto Select Dwelling Fire Web from POLICY PROCESSING menu Click Quote Dwelling Fire Can also search for existing quotes or policies CA DF Web
15 Dwelling Fire - Quoting & Issuing 1. Fill in fields on Policy Information section; click Save Fields with * (asterisk) are required for quote Fields in regular font style required for issue Italicized fields are not required for quote or issue If you answer yes to any of the underwriting questions, please contact your underwriter for an exception code CA DF Web
16 Dwelling Fire - Quoting & Issuing 2. Fill in fields on Applicant Information section; click Save Enter insured s zip code in Zip field. City/State will pre-fill CA DF Web
17 Dwelling Fire - Quoting & Issuing 3. Fill in fields on Property Information section; click Save Enter property address in Property Location section Cost Estimator refers to Replacement Cost Calculator Access Replacement Cost Calculator through Right Price Web Photos required on Dwelling Fire policies If COC, check Under Construction? then enter Completion Date CA DF Web
18 Dwelling Fire - Quoting & Issuing 4. Select discounts (if any) on Discounts section; click Save CA DF Web
19 Dwelling Fire - Quoting & Issuing 5. Select coverages on Policy Coverages section; click Save Extended Coverage (EC) and Vandalism & Malicious Mischief are automatically included on DP2 & DP3 policies Other Structures & Fair Rental Value are included at 10% of Dwelling limit TIP: Enter Increased Coverage only when the automatic coverage is not enough (10% for most states) EXAMPLE: Insured needs $45,000 for other structures. 10% of Coverage A/ Dwelling ($30,000 in this case), is automatically included. Enter $15,000 to increase to a total of $45,000. CA DF Web
20 Dwelling Fire - Quoting & Issuing 6. Quote will appear in the Premium Information section 7. Click Edit to order CLUE REPORT in Incidents section Click the link and complete applicant information CA DF Web
21 Dwelling Fire - Quoting & Issuing 8. If loss information is returned, manually add losses by clicking the link Add Loss. Complete Loss Information; click Save. Refer any losses within past 3 years to underwriter prior to binding CA DF Web
22 Dwelling Fire - Quoting & Issuing 9. Click Edit on Mortgagee section to add mortgagee (s) Enter mortgagee information; click Save 10. Click Edit on General Information section to answer ACORD application questions Explain any check marks in Application Notes section; click Save CA DF Web
23 Dwelling Fire - Quoting & Issuing 11. Click Edit on Billing/Binding section Fill out section; click Save CA DF Web
24 Dwelling Fire - Quoting & Issuing 14. To issue, click Issue Policy Message will appear if information is incomplete Proceed to section (s) to complete the information required for policy issuance. Click Issue Policy again Message & policy # will appear if successfully submitted Click on Customer Documents if binder is needed, or to print quote, application, and/or EFT authorization form CA DF Web
25 Viewing & Changing Dwelling Fire Policies 1. Finding Policy From main menu of Dwelling Fire Web: Enter policy number or quote number in Ref # field; click GO *or* Use Search section for more options (policy number not required) Click on last name to access policy CA DF Web
26 Viewing & Changing Dwelling Fire Policies 2. Viewing Policy Click Expand to view details of a section; Close when done CA DF Web
27 Viewing & Changing Dwelling Fire Policies 3. Quoting Change (s) Enter Change Effective Date; click Start Policy Change Click Edit then make changes in desired section (s) Click Save when done Quote will generate in Premium Information section Click Preview Quote Summary or Customer Documents to view or print quote CA DF Web
28 Viewing & Changing Dwelling Fire Policies 4. Making Change(s) Click Update Policy Confirmation message should appear If Update Policy is not clicked, no change is made to the policy 5. Tips for Changes Changes must be made in chronological date order Go to Policy Diary and Notes section to make a brief explanatory note about the change in the Agent Diary 6. Changes on policies pending cancellation If change effective date is prior to the cancellation date, changes can be quoted and submitted If change effective date is after the cancellation date, changes can be quoted but cannot be submitted until the policy is in an Active status CA DF Web
29 Canceling Dwelling Fire Policies Cancellations Submit online only if: 1. Dwelling fire policy prefix = DF, and 2. Policy status is Active If policy prefix is not = DF, or if policy status is anything other than Active, please fax cancellation request to processing department (fax # ) CA DF Web
30 Canceling Dwelling Fire Policies Find & access policy (see slide #23) Click Cancel Policy Complete Cancel Policy section; click Submit Request Confirmation message will appear in Policy Information section; quote will appear in Premium Information section CA DF Web
31 Billing & Tech Support Billing echeck and EFT are available in Dwelling Fire Web Other payment options are available - use Billing (KBS) Web (Kemper Billing System) after policy is issued if: Down payment is Sweep Down payment or automatic payment is Credit Card Insured wants to change the EFT due date Systems Support , option #2 CA DF Web
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