Table of Contents. Chapter 1: Personal Lines Unlocked...1
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1 Table of Contents Chapter 1: Personal Lines Unlocked...1 Analysis...2 Potential Hazards Homeowners...4 Flood Areas...5 Wildfire Areas...5 Tornado Alley...6 Condition...6 Location...7 Additional Exposures...7 Attractive Nuisances...8 Age and Construction...9 Pets...10 Property...11 Driver...11 Ratio of Drivers to Vehicles...12 Location...13 Probability versus Possibility...13 Tiers...13 Summary...14 Chapter 2: Tools...15 Automobile Reports on Insureds...15 Photos...16 Inspections...17 Company Reports...17 Homeowners CLUE Reports...18 Photos...19 Replacement Cost Estimators...19 Home Inventories...19 Inspections...20 Flood Maps...20 Company Reports...21 The Application...22 The Insured...22 The Address...27 iii
2 Personal Lines Unlocked: The Key to Personal Lines Underwriting Construction...27 Systems...27 Fire Rating...28 Loss History...29 Deductible...29 General Questions...29 Review...30 Auto...30 Address...30 Vehicle...31 Vehicle Usage...32 Drivers...33 Review...34 Documentation...35 Homeowners Documentation...35 Automobile Documentation...36 Credit Score...36 Summary...36 Chapter 3: Construction...37 Roof Construction...38 Asphalt Shingles...38 Cedar Shakes...39 Fiber Cement Shingles-Siding...40 Slate/Tile/Clay...40 Flat...40 Built-Up...41 Modified Bitumen...41 Rubber Membrane...41 Metal/Tin...41 Solar...42 Green...44 Ancillary Roof Elements...46 Skylights...46 Gutters...47 Copper...47 Aluminum...47 Galvanized Steel...47 Stainless Steel...47 iv
3 Table of Contents Vinyl...47 Wood...48 Siding and Framing...48 Structural Insulated Panels...48 Steel Framing...48 Wood Framing...49 Timber Framing...49 Log...49 Straw Bale...50 Adobe/Cob/Rammed/Earth/Compressed Earth Block...51 Geodesic Domes...52 Chapter 4: Systems...55 Operating Systems...55 Types of Wiring...58 Plumbing...59 Heating Systems...60 Alternative Heating Systems...61 Supplemental Heating...62 Other Alternatives...64 Low-E Window Coatings...64 Bamboo Flooring...65 Cork Flooring...65 Other Structures...66 Summary...67 Chapter 5: Fine Arts, Collectibles, and the Property Schedule...69 Fine Arts vs. Collectibles...69 Appraisals...71 Claim Payments...72 Categories of Scheduled Items...73 Jewelry...73 Furs...74 Cameras...75 Camera Basics...75 Musical Instruments...77 Silverware...78 Golfer s Equipment...78 Fine Arts...79 v
4 Personal Lines Unlocked: The Key to Personal Lines Underwriting Postage Stamps & Rare and Current Coins...81 Bicycles...82 Guns...82 Collectibles...83 Summary...84 Chapter 6: Home Endorsements...85 Business...85 Liability Issues...87 Types of Homeowners Business Pursuits Endorsements...87 Home Business Property Considerations...89 Home Business Liability Considerations...94 Medical Payments Exclusions...97 Additonal Coverages...98 Other Home Business Endorsements...98 Day Care Farming Miscellaneous Vehicles Liability Coverage Trusts Mobilehomes Assisted Living Care Coverage Property Remediation for Escaped Liquid Fuel AAIS Business Care Provided for Others Farm Miscellaneous Vehicles Snowmobile Liability Assisted Living Facility Summary Chapter 7: Automobile Elements Vehicle Sound Body Racing Equipment Lights Wheels vi
5 Table of Contents Driver Location Summary Chapter 8: Automobile Endorsements Miscellaneous Vehicles Snowmobiles Motor Homes Extended Non-owned Coverage Mexico Coverage Joint Ownership Coverage Trip Interruption Coverage Trust Coverage Summary Appendix A: Home Inventory List Appendix B: Home Inventory List Short Form Appendix C: Supplemental Inventory Sheet Appendix D: Major Components Appendix E: Roofing Materials Appendix F: Homeowners Underwriting Checklist Appendix G: Jewelry Forms Appendix H: Vehicle Accessories Appendix I: Racing Restrictions Appendix J: Racing Penalties Appendix K: State Statutes Regarding Licensing of Legally Blind Individuals Appendix L: Automobile Underwriting Checklist vii
6 Personal Lines Unlocked: The Key to Personal Lines Underwriting Appendix M: Use of Credit Chart Resources The appendices are available online. Go to: plu. You will be asked to enter a password; refer to page 80 and the first word in the first paragraph is your password. viii
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