• Administrative & Documentation Support

    Includes requests for Certificates of Insurance (COI), mortgage-related documentation, and general contact information for association support.

  • Billing, Fees & Account Management

    Covers administrative financial topics like processing fees, payment options, invoicing, and managing the timing of policy terms.

  • Claims & Incident Reporting

    Provides guidance on when and how to file an insurance claim, including the steps for both the association and individual unit owners.

  • Deductibles & Financial Terms

    Explains the mechanics of deductibles (per building vs. per occurrence), coinsurance, and other financial structures like finance agreements.

  • Homeowner (HO6) & Association Coordination

    Clarifies the relationship between the HOA master policy and individual homeowner (HO6) policies, including loss assessment and coverage gaps.

  • Liability & Legal Coverage

    Covers various liability protections for the association, including Directors & Officers (D&O), General Liability, and Workers Compensation for volunteers and contractors.

  • Policy Renewal & Binding Process

    Outlines the timeline and requirements for renewing insurance policies, binding new coverage, and handling non-renewal notices.

  • Property Valuation & Replacement Cost

    Focuses on how property value is determined, different replacement cost models (Blanket, Guaranteed), and the distinction between "Bare Walls" and "All-In" coverage.

  • Risk Management & Safety Compliance

    Discusses proactive measures to reduce risk, such as rules for grills/hot tubs, electrical safety (breakers), and potential discounts for safety features.

  • Specific Risk Exclusions & Endorsements

    Addresses specific perils and policy additions such as sewer backup, ordinance/law requirements, terrorism, and cosmetic damage exclusions.

Administrative & Documentation Support

I reached out to EOI Direct and I can’t get what I need

Email associations@myinsurancewarehouse.com.

Who to contact for which specific items?

Do we have to pay for mailers?

Can I change the information on the welcome letter?

Where do I submit a mortgage COI request?

Can you send the AssureSign e-Signature to the Board?

What do we need to comply with current lending requirements?

COI Questions

Billing, Fees & Account Management

Can I set up FIF payments on autopay?

Yes, via your FIRST InSite account under the AutoPay tab.

When will we get our first bill?

Who do I contact for invoicing/billing questions?

I see a $150 processing fee on the proposal. What is this for?

What is a Finance Agreement?

Claims & Incident Reporting

How to submit a claim

Follow the agency’s standard claim submission process.

Should I submit a claim?

How do I file a claim? (Unit owners)

Can you reach out to the previous carrier for loss runs?

How do I report/start a claim?

Deductibles & Financial Terms

Why don’t you recommend lower deductibles?

Lower deductibles increase premiums; higher deductibles are recommended if reserves are adequate.

What is a Per Occurrence deductible?

What is a Deductible Buy-Down endorsement?

Can we change deductibles mid-term?

What is ‘Minimum Earned Premium’?

What does 90% coinsurance mean?

What is coinsurance vs agreed amount?

If Coverage B does not specifically list “per building”, then is the amount for the entire community?

Under “Property Deductible”, what is defined as an “occurrence”?

Can you clarify the difference between the deductible per building and the deductible per occurrence?

Is the deductible per building a one-time annual deductible?

What is Per Building Deductible?

What is the difference between Occurrence vs Aggregate?

Homeowner (HO6) & Association Coordination

What does the wind/hail deductible mean at 5% per building?

Owners may be assessed a share of the 5% deductible; Loss Assessment coverage can help pay this.

What’s Loss Assessment?

Why do I need building coverage on my HO6 if it’s covered by the HOA?

What’s covered on the HOA master policy?

How much savings do you typically see for moving to ‘Bare Walls’?

We want to move to ‘Bare Walls’, what are the next steps?

What’s the difference between ‘Original Specs’ and ‘Bare Walls’?

What’s included under ‘Bare Walls’ vs what should unit owners cover?

What’s the difference between ‘Modified Original Specs’ and ‘Original Specs’?

For the Homeowner (HO6)

What is Bare Walls?

If the HOA is “Bare Walls,” what do I need as a homeowner?

We currently have “All-In” coverage, but the new quotes say “Original Specs.” Why the change?

Liability & Legal Coverage

Do we need Cyber coverage?

Yes, to cover financial losses from data breaches and cyber attacks on sensitive homeowner data.

How do we know if our crime limits are sufficient / what should our crime limit be?

Why do you need crime/fidelity coverage?

What is medical payments?

Why do they need work comp?

Do we need Workers Compensation if we don’t have employees?

What is Hired/Non-Owned Auto Liability?

What does D&O cover?

What is Directors & Officers (D&O) coverage?

What is the difference between General Liability and Directors & Officers (D&O) Liability?

Policy Renewal & Binding Process

I want an HOA Quote

Contact the agency to initiate the quoting process.

Can you help me cancel my prior policy?

We want to change our renewal date to better accommodate budgeting.

We received a nonrenewal notice. What are the next steps?

We want to bind coverage, what are the next steps?

When do you start the renewal process?

Does it matter if a carrier is an “admitted carrier”?

Would insurers consider us a greater risk for jumping carriers?

Is there a risk of losing a preferred rate for longevity?

What’s admitted vs non-admitted?

Property Valuation & Replacement Cost

What is ‘Actual Loss Sustained’ coverage?

Pays the actual dollar amount of lost revenue (like HOA dues) due to a covered loss.

My unit is not worth what the carrier is saying. How do carriers determine coverage limits?

What is Loss of Income?

What is Association Contents?

How are they evaluating the property value?

Why are property appraisals recommended for insurance purposes?

What is the difference between “replacement cost” and “blanket replacement cost”?

How is replacement cost determined?

What is blanket replacement cost?

What is the difference between Guaranteed, Extended, and Standard Replacement Cost?

Risk Management & Safety Compliance

Why did I receive a call/text from a different company for an inspection?

Carriers often use third-party vendors to perform property inspections.

Will there be an inspection?

I’m not sure if the association has Stablok or Fed Pacific breakers.

Do we get a discount for updating our roofs to ‘high grade’ shingles?

The association is sprinklered. Do they receive better pricing?

A unit owner wants to get a hot tub. Is that OK?

What can we do proactively to achieve the best rates?

What is the deal with grills?

Specific Risk Exclusions & Endorsements

We don’t have any Sump Pumps. Can we remove this coverage to save money?

Yes, if separable from Sewer Backup, it can be removed to reduce costs.

We want to cut down costs. Is it recommended to remove Water/Sewer backup/Sump Failure?

What is “ACV Endorsement”? Our roofs are not 15 years old, what does that mean?

What is “ACV Endorsement”?

What is “Cosmetic Exclusion Endorsement”?

What is cosmetic damage exclusion and how does it work?

Do we need Flood & Earthquake Coverage?

What is Terrorism Coverage?

What’s an example of ordinance/law?

What is Demolition & Debris Removal – undamaged portion?

What is Coverage C: Increased Cost of Construction?

What is Undamaged Property Exclusion?

Are “sewer backup” and “sump pump failure” per building or for the entire community?

What are the average costs associated with “sewer backup” and “sump pump failure”?

Call Email Claims Payments