ࡱ> |~}#` bjbj\.\. ?t>D>DO&&&82'$V'<};(("((())):::::::$i<h>f";)))))";((7;...)X((:.):..v2v3(( p M8&)B385M;0};\37?{*7?4v3v3&7?3)).)))))";";.X)))};))))DV V   Apartment Buildings Coverage Review: ________________ / ________________ (Your Name) (Location) Apartment Insurance IssuesYesNoNotesCommentsCoverage Basics Please refer to your policy when completing this formIs Named Insured accurate as shown on the policy? Are there other ownership interests we should name?If so, please state:Building Addresses shown correctly? If not, please show correction in commentsBuildings & Contents Limits : Are they adequate to replace all insured property? Your Apartment should be insured to a minimum of $113 per square foot to approach adequate insurance protectionPlease advise below what the appropriate limits of protection should be: $Remodeling & Upgrades: Did you include them in your valuations? What value would you put on these upgrades?  $ _____________Coinsurance: Are your Buildings Insured at 100% of their cost to Replace?If Building limits are under-valued, a negative claims adjustment will occurIf Building limits are under-valued, a negative claims adjustment will occur What is the value of the free-standing, unattached property in the units that is there for the use of the renters? Things like stoves, refrigerators, etc.Any Locations your own or occupy which are not shown on your policy?If so, please advise in comments: Water Damage (other than flood): Is this a peril that could cause you harm? Sewer and Drain Backup: Generally excluded or limitedDo you want more coverage at an additional cost? Commercial Property IssuesYesNoNotesCommentsCoverage IssuesMost policies are provided with Special Form Protection against all direct damage except as specifically excludedEarthquake, Flood, mold and Employee theft are primary exclusions See contract for additional exclusions and limitationsAre you interested in Flood or Earthquake insurance offers?Flood: Earthquake: Inflation Guard: Building: Is this relavant to your needs?This is automatic, quarterly increases insuranceBoiler & Machinery: Do you have large values in electrical machinery or power panels?This is protection for damage from breakdown of boilers or electrical power panels & equipmentWhat is the value of your electrical equipment? $Ordinance or Law endorsement needed? Pays for the cost of Building upgrades due to changes in building codesTypical policies pay only to repair like kind & quality; this is a protection upgrade Signs Outdoor: Do you have any? Are you or tenant responsible to repair?If you are responsible for repairs, what is the value per sign? ________________Awnings: Do you have any? What is their cost to replace?Exterior Glass: Do you wish additional coverage for Glass Breakage?Include Lettering? Yes ___, No ___Do you allow pets on your premises?Lawns, Landscaping: Do you have extensive landscaping? Unaltered policy traditionally limits coverage  Value of Landscaping: $Swimming Pools on premises? Fenced with automatic locked entry & exit?Diving board? Slide? Tenant Discrimination claims against landlords are on the rise; do you want this protection? This protection is not part of your standard apartment insurance coverageHow many total units do you own? _______________Commercial Property IssuesYesNoNotesCommentsPollutant Cleanup and Removal: Do you or a tenant work with pollutants? Most policies provide little if any protection for pollutionIs Mold Liability a concern to you? We can send mold prevention materials if desired.Excluded under most policies Separate coverage available; minimum cost = $11,000, minimum deductible: $25,000 Commercial Property IssuesYesNoNotesCommentsE Q S L: Earthquake Sprinkler Leakage protection: Is your building equipped with sprinkler/fire suppression system? Excellent credits for sprinkled buildings.Please identify which building(s), and if building is 100% sprinklered or partialIs the sprinklers system alarmed? If yes, please name monitoring company and the system, below; be aware that the policy will warrant that the system is always working.Burglar Alarm: Is building alarmed? Excellent credits for Fire / Burglar alarmsPolicy will warrant system is always on / alarmedIf yes, please describe system:     Huggins/Dreckman Insurance Agency, Inc. 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