Underwriting Checklist
Updated
by
Jill Bowers
This feature makes the underwriting checklist available in your profile.
To access the underwriting checklist, open a project and navigate to Tools > Underwriting Checklist.
The checklist includes the following questions as well as a comments field:
Exterior Questions
- Are all walkways, patios, porches, and drives free of large cracks, rot. and deterioration?
- Is the insured location free of trampolines and swimming pools?
- If the insured location has trampolines and swimming pools, are they adequately fenced in with selflocking gates?
- Is the foundation free of excessive or large cracks, bending, or bowing?
- Is the siding on the insured location in good repair and free of excessive rot. cracking, or missing material?
- Is the roofing material free from deterioration, wind damage (unrelated to the claim), material or workmanship defects, and improper repairs?
- Does the roof have a pitch equal to or greater than 3/12?
- Are the roofing materials of acceptable quality (not tar and paper or tarpaper)?
- Are all trees on the property well maintained and appear to be in good health?
- Is the exterior of the home free of excessive debris and attractive nuisances (including excessive brush in areas prone to wildfires)?
Interior Questions
- Are the interior surfaces free of cracks, visible water damage, and visible molds which are not related to the current claim?
- Is the insured location free of excessive combustible material within three feet of furnaces, gas water heaters, fireplaces, or supplemental heating devices?
- Is the insured location free of frayed or exposed electrical wires, DIY wiring, or overloaded electrical outlets?
- If the insured location is in an earthquake prone area, is the insured location equipped with earthquake preventative devices such as water heater strapping?
Other
- Is the insured location free of vicious dogs (per underwriting guidelines) or dangerous exotic pets?
- If the policy is a homeowners policy, is the home free of a home based business which has customer traffic (such as daycare)?
- If the policy is a homeowners policy, is the home occupied by the Named insured?
- If the claim is a large loss, do the structure and/or APS limits appear to be in line with the replacement cost valuation of the insured location?
- Is the insured location free of other miscellaneous hazards (please expound)?