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Hi All, I'm in some uncharted territory, preparing to sell homeowners insurance in southern and coastal states. Our agency has yet to quote or issue any home policies down south, which is why I'm reaching out on here to see if anyone has any helpful tips or advice for me. The specific question has to do with building code grades, or the "Building Code Effectiveness Grading Schedule" (BCEGS) as it relates to writing homeowners policies. Now that we will be selling in states like Florida, where there are greater exposures to things like hurricanes, the Building Code Grade will likely be a rating factor. Does anyone on here has experience with issuing homeowners policies where these building codes were at play? Is there a specific type of document (home appraisal? other form?) that is used to verify the building code? What documentation/proof the insurance companies require? Basically any information at all about the BCEGS would be appreciated. I want to make sure we are fully prepared for this new factor when quoting and issuing homeowners business in new territory. + Multi Quote Top PS - in case this information is at all helpful... our agency uses a comparative rater, and there is a field that asks for the Building Code Grade. The options are "Ungraded" (which we have always used, here in the Northeast), or 1, 2, 3... up to 10. Thanks again everyone!

Hi, I have an insured who owns a building and leases to a restaurant and retail flooring store. A fire started in the restaurant which caused significant damage to the building. The building is now vacant and the rebuild will start within 60 days. I've had the building covered with Farmers Ins but the policy is being non-renewed 03/25/17. I've got a builders risk quote but need premise liability. Anyone know of a company that will write. Thank you. Dena Allen

Anyone have a market for a small (2 buildings totaling 16 units) apartment comple...

I have a prospect that I have done numerous 1 day event policies in the past. They have access to a facility to hold events and fundraisers. The food will be provided by food trucks. They will also need building coverage as that is part of the agreement. Does anyone have advice for a standard market to cover this risk and what might the class be? I know it might be similar to a restaurant, but there is not the cooking exposure.

startup building composite kayaks and canoes. Small amount of wood used and does have paint shop. Need a BOP, has a building.

Looking for a WC market that can offer coverage for boat design and building small prototypes. Class code is 6834. Need $2M in coverage.

Would like to hire a self-reliant licensed P&C producer - Life and Health would be a plus (will assist in getting the state license for life and health) Will be able to prospect and build a book of business both from phone and field activities. Spanish speaking another plus. This is a new agency which is committed to service the community for personal and commercial lines of business. The owner agent has the ability to broker any type of insurance to the local market.

If you have 5+ years leadership in the Personal Lines Homeowners area this is a great leadership opportunity. Help develop in-house training, mentor, coach, groom, and train underwriting team. Build metrics to gauge performance. Must come from a homeowners company with some experience teaching and mentoring. Click on the link below: http://completemarkets.com/company/criterion-executive-search/Careers/5800/Detail-for-Homeowners-Underwriting-Training-Manager/

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In November last year, a Nationwide insurance agent/adjuster made a mistake while investigating an insurance claim by a couple in Buffalo Township, PA (Pittsburgh area). This agent saw some hibiscus plants in the couple's backyard and mistook them for Marijuana. He then called the police and the couple were treated like suspected marijuana growers while police investigated. The couple is understandably suing the agent and Nationwide Insurance. When the story was released, people were very upset and they contacted CompleteMarkets and many of them left reviews on this agents CompleteMarkets profile - hundreds of reviews. Many of these reviews were rejected by our verification process for various reasons, profanity, unable to verify identity of reviewer etc. The agent quietly logged into the profile and changed all the information. Rather than contacting us and asking us to help state his case. Or, even better, stating his case on his profile, helping to salvage his reputation, he chose to attempt to 'bury' the information under a false name, and false information, but left the profile active. His profile still shows up on Google, so that has not really helped his cause. Yet, this is a very rare case, and appears to be a terrible mistake on this agent/adjuster's part. In the vast majority of cases when we get an irate client or just a pissed of competitor trying to leave a tasteless irrelevant review on our website our processes and team is able to suppress these 'invalid and unverifiable reviews' of our agents. We try to keep things fair. In many cases, our members invite their clients(via email and social media) to review them on CompleteMarkets, as it vastly improves their fortunes because of the trust and credibility factor when prospects are researching them online. I would love to hear any thoughts from members of this group as it relates to soliciting reviews, being researched online and defending reviews online. Most of our Prestige Professional members (our low cost premium membership) have great reviews, because they care about their reputation and they provide great service to insureds. If interested, you can review the premium membership here - https://completemarkets.com/shop/product/PrestigePro/ But is this an anomaly - agents looking to manage their online reputation? Are agents too busy to build an online reputation? Do they think it's the responsibility of the agency or the agency owner?