PROPERTY INSURANCE REVIEW CHECKLIST

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--- POLICY INFORMATION & COVERAGE DETAILS ---
[ ] Policyholder Name
[ ] Policy Number
[ ] Policy Effective Date
[ ] Policy Expiration Date
[ ] Coverage A (Dwelling) Limit
[ ] Coverage C (Personal Property) Limit
[ ] Deductible Amount
[ ] Primary Insured Type (Homeowner, Landlord, Tenant)
[ ] Notes/Comments Regarding Policy Details

--- PROPERTY DESCRIPTION & VALUATION ---
[ ] 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) (Frame, Brick, Concrete, Other)
[ ] 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 ---
[ ] Is the property located in a flood zone? (Yes, No, Unsure)
[ ] Is the property prone to hurricane/cyclone risk? (Yes, No, Unsure)
[ ] Does the property have a history of hail damage? (Yes, No, Unknown)
[ ] Estimated Annual Snowfall (inches)
[ ] Describe any specific historical weather-related claims (if applicable)
[ ] Is the property susceptible to earthquakes? (Yes, No, Unsure)
[ ] Date of Last Severe Weather Event (if any)

--- EXCLUSIONS & LIMITATIONS ---
[ ] Summarize Key Exclusions:
[ ] Flood Exclusion Applied? (Yes, No, Not Applicable)
[ ] Earthquake Exclusion Applied? (Yes, No, Not Applicable)
[ ] Specific Exclusion Limit (e.g., Ordinance or Law):
[ ] Describe any specific endorsements/waivers related to exclusions:
[ ] Are any of the following common exclusions present? (Mold, Pest Damage, Wear and Tear, Acts of War, Ordinance or Law Exclusion)

--- DEDUCTIBLES & PREMIUMS ---
[ ] Current Deductible Amount (per occurrence)
[ ] Deductible Amount for Wind/Hail Damage (if different)
[ ] Current Annual Premium
[ ] Premium Payment Frequency (Monthly, Quarterly, Semi-annually, Annually)
[ ] Is the current deductible level appropriate for risk tolerance? (Yes, No, Unsure)
[ ] Notes on Deductible/Premium Considerations

--- BUILDING & INFRASTRUCTURE ---
[ ] HVAC System Age (Years)
[ ] Electrical Panel Age (Years)
[ ] Roof Age (Years)
[ ] Describe any recent building upgrades or renovations.
[ ] Type of Foundation (Concrete Slab, Crawl Space, Basement, Pier and Beam)
[ ] 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 ---
[ ] Current Liability Coverage Limit ($)
[ ] Description of Covered Activities & Operations
[ ] Estimated Potential Liability Exposure (Annual)
[ ] Type of Liability Coverage (e.g., General, Premises, Products) (General Liability, Premises Liability, Products Liability, Other - Specify)
[ ] Summary of Recent Liability Claims (if any)
[ ] Is Umbrella Liability Coverage Required? (Yes, No)
[ ] Umbrella Liability Coverage Limit (if applicable) ($)

--- LOSS PREVENTION MEASURES ---
[ ] Smoke Detector Count
[ ] Security System Features (Alarm System (Monitored), Security Cameras, Motion Sensors, Window/Door Sensors, Flood Sensors, Fire Suppression System (Sprinklers))
[ ] Fire Extinguisher Presence (Yes, No, Unknown)
[ ] Description of Specific Loss Prevention Improvements
[ ] Last Fire Extinguisher Inspection Date
[ ] Is the property equipped with a lightning protection system? (Yes, No, Unknown)
[ ] Number of Fire Extinguishers

--- BUSINESS INTERRUPTION/LOSS OF INCOME (IF APPLICABLE) ---
[ ] Estimated Potential Loss of Income Per Day
[ ] Estimated Length of Business Interruption (Days)
[ ] Maximum Business Interruption Coverage Limit Requested
[ ] Type of Business Interruption Coverage (Contingent Business Interruption, Extra Expense, Direct Business Interruption)
[ ] Description of Potential Interruption Events Considered
[ ] Is Flood Coverage Included? (Yes, No)
[ ] Explanation of Revenue/Profit Calculation for Coverage Limit

--- COMPLIANCE & REGULATIONS ---
[ ] Confirm Compliance with Local Building Codes (Compliant, Not Compliant, N/A)
[ ] Verify Compliance with Flood Zone Regulations (if applicable) (Compliant, Not Compliant, N/A)
[ ] Year of Last Building Code Compliance Inspection
[ ] Notes Regarding Code Compliance Issues or Discrepancies
[ ] Is property subject to any HOA restrictions impacting insurance? (Yes, No)
[ ] Upload Inspection Reports or Certificates of Compliance (if available)
[ ] Details of any Outstanding Regulatory Notices or Warnings

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