Property Insurance Review Checklist
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Ten szablon został zainstalowany 3 razy.
Policy Information & Coverage Details
Verify accuracy of policyholder information, property details, and coverage limits.
Policyholder Name
Policy Number
Policy Effective Date
Policy Expiration Date
Coverage A (Dwelling) Limit
Coverage C (Personal Property) Limit
Deductible Amount
Primary Insured Type
Notes/Comments Regarding Policy Details
Property Description & Valuation
Confirm the accuracy and adequacy of the property's description and valuation, considering market conditions and improvements.
Describe the Property Type (e.g., Single-Family Home, Apartment Building, Commercial Office)
Square Footage of Building
Lot Size (in acres or square feet)
Number of Units (if applicable)
Construction Type (e.g., Frame, Brick, Concrete)
Year Built / Year Renovated (if applicable)
Describe any significant improvements or renovations (with dates)
Estimated Replacement Cost (based on current market conditions)
Covered Perils Review
Evaluate covered perils (e.g., fire, wind, hail) based on geographic location and potential risks.
Is the property located in a flood zone?
Is the property prone to hurricane/cyclone risk?
Does the property have a history of hail damage?
Estimated Annual Snowfall (inches)
Describe any specific historical weather-related claims (if applicable)
Is the property susceptible to earthquakes?
Date of Last Severe Weather Event (if any)
Exclusions & Limitations
Thoroughly review policy exclusions and limitations to understand what is *not* covered.
Summarize Key Exclusions:
Flood Exclusion Applied?
Earthquake Exclusion Applied?
Specific Exclusion Limit (e.g., Ordinance or Law):
Describe any specific endorsements/waivers related to exclusions:
Are any of the following common exclusions present?
Deductibles & Premiums
Assess the appropriateness of deductibles and premiums, considering risk tolerance and financial implications.
Current Deductible Amount (per occurrence)
Deductible Amount for Wind/Hail Damage (if different)
Current Annual Premium
Premium Payment Frequency
Is the current deductible level appropriate for risk tolerance?
Notes on Deductible/Premium Considerations
Building & Infrastructure
Examine coverage for building components, infrastructure (e.g., HVAC, plumbing, electrical), and potential upgrades.
HVAC System Age (Years)
Electrical Panel Age (Years)
Roof Age (Years)
Describe any recent building upgrades or renovations.
Type of Foundation
Upload Recent Building Inspection Report (if available)
Plumbing Material Type (e.g., Copper, PVC)
Any known issues with the building's structural integrity?
Liability Coverage
Review liability coverage for potential claims arising from property-related incidents.
Current Liability Coverage Limit ($)
Description of Covered Activities & Operations
Estimated Potential Liability Exposure (Annual)
Type of Liability Coverage (e.g., General, Premises, Products)
Summary of Recent Liability Claims (if any)
Is Umbrella Liability Coverage Required?
Umbrella Liability Coverage Limit (if applicable) ($)
Loss Prevention Measures
Evaluate existing loss prevention measures (e.g., security systems, fire suppression) and their impact on coverage and premiums.
Smoke Detector Count
Security System Features
Fire Extinguisher Presence
Description of Specific Loss Prevention Improvements
Last Fire Extinguisher Inspection Date
Is the property equipped with a lightning protection system?
Number of Fire Extinguishers
Business Interruption/Loss of Income (if applicable)
Assess coverage for business interruption or loss of income due to property damage (for commercial properties).
Estimated Potential Loss of Income Per Day
Estimated Length of Business Interruption (Days)
Maximum Business Interruption Coverage Limit Requested
Type of Business Interruption Coverage
Description of Potential Interruption Events Considered
Is Flood Coverage Included?
Explanation of Revenue/Profit Calculation for Coverage Limit
Compliance & Regulations
Ensure the policy complies with relevant building codes, local ordinances, and insurance regulations.
Confirm Compliance with Local Building Codes
Verify Compliance with Flood Zone Regulations (if applicable)
Year of Last Building Code Compliance Inspection
Notes Regarding Code Compliance Issues or Discrepancies
Is property subject to any HOA restrictions impacting insurance?
Upload Inspection Reports or Certificates of Compliance (if available)
Details of any Outstanding Regulatory Notices or Warnings
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