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Policy Mini-Training

In this free mini-training you will learn:

  • ONLY the parts of the policy that apply to catastrophe property claims

  • HOW to quickly find answers to the most common claims scenarios

Step One:

Watch the Policy Presentation and Live Q&A video

Step Two:

Download the HO-5 homeowner's policy.

Step Three:  

Take the quiz to practice exploring the policy with common claims scenarios.

Question 1A
An insured files a claim against their HO-5 for fire damage to a detached garage, kids' bikes in the garage, and auto repair tools used in the garage for the insured’s auto repair business. What’s covered? (check all that apply)
Explain your answer from the previous question using policy language:
Question 2A
High winds and soaking rain cause windblown rain to enter the roof under the shingles, damaging the ceiling and a dining room table. There is no damage to the roof or exterior elevations of the dwelling. What’s covered? (check all that apply)
Explain your answer from the previous question using policy language:
Question 3A
Hail damage causes $2100 in damage to the fence. The fence is 10 years old and has a 20 year useful lifespan. What is the final settlement (ignore deductible)?
Explain your answer from the previous question using policy language:
Question 4A
An airplane crashes into the insured’s yard and destroys several ornamental trees and grass. Is the landscaping and trees covered?
Explain your answer from the previous question using policy language:
Question 5A
An insured tells you that because of the heavy rains from the big storm, the soil has washed away from under the front corner of their house and is causing the foundation to sag, which has caused damage to the walls and ceiling of the dwelling. Is it covered?
Explain your answer from the previous question using policy language: