Coinsurance Definition And Formula
Coinsurance formula and sample calculation for a property claim where the insured did not maintain the required minimum coverage (usually 80% of value) on a structure.
PDF (38KB)
Property
General Reference
Complete Release Of All Claims (Spanish)
A full release and indemnity agreement which is signed by claimants and releases insurer from bodily injury and property damage liability which arose out of an accident, casualty or event. The release form identifies all parties to a claim, states the date and location of the event, and details the terms of settlement of a claim. The release contains a statement that, as a condition of the settlement, prevents any further claim or legal action against the insurer, or any other parties, for the event, and against the release.
PDF (95KB)
Liability
Spanish
Forms Property & Casualty
Homeowner Theft - Investigating Officer
Statement guideline for interviewing the investigating officer in a residential theft claim. Includes initial questions and follow up questions based on responses given.
PDF (15KB)
Property
Statement Guides
Automobile Accident Promissory Note
Customized automobile subrogation promissory note which allows the insurance company to notify DMV/BMV in case of default by the tortfeasor.
PDF (17KB)
Auto
Liability
Subrogation
Forms Property & Casualty
National Flood Insurance Program - Adjuster Claims Manual - Part II
NFIP Adjuster Claims Manual Part II
PDF (8908KB)
Catastrophe
Property
Forms Flood
Living/Family Room Diagram
This Microsoft Word template allows users to add and resize a variety of objects including walls, windows, couches, chairs, and tables.
DOC (68KB)
Property
Diagrams
Adjuster's File Invoice
An invoice form used by independent adjusting firms that lists claims investigation expenses billable to the client insurance company.
PDF (48KB)
Auto
Liability
Property
Workers' Compensation
Forms Property & Casualty
A 14 Point Red Flag Checklist For Staged Collisions
The Red Flag checklist helps determine whether a rear-end collision may have been a staged accident; this maneuver is referred to as a swoop and squat crash by the Coalition Against Insurance Fraud. Claims with numerous red flags may need to be referred to the special investigations unit (SIU).
PDF (58KB)
Auto
Liability
Special Investigations
General Reference
Statement As To Replacement Cost Coverage
A legal form stating the values used to calculate cost coverage for repair or replacement of a property loss.
PDF (26KB)
Property
Forms Property & Casualty
Non-Waiver Agreement / Reservation Of Rights
The non-waiver agreement is signed by the policyholder; its purpose is to protect the insurer. Insurer reserves all of its rights under the policy to investigate and defend a claim without admission of any liability for loss.
PDF (36KB)
Auto
Liability
Property
Workers' Compensation
Forms Property & Casualty
State Minimum Liability Limits
Minimum car insurance liability requirements per state.
PDF (13KB)
Auto
Liability
Legal Reference
