Home Checklist

Address Verification: Confirm the property address and ensure it matches the application information. Use mapping software to locate the property precisely.  Yes, mistakes happen with addresses.

Confirm that the policy meets the carriers eligibility before proceeding. We do not want a mid term cancellation.

Risk Factor Identification: Utilize the carrier's aerial imagery software (e.g., Travelers' tool) or Google Maps to examine the property. Systematically look for the following and save photos to file:

• Roof Condition: Look for signs of aging, damage (missing shingles, sagging), or excessive moss/debris accumulation. Note roof material and estimated age if possible.

• Exterior Condition: Check siding for damage (cracks, peeling paint), and note the presence of any potential issues like excessive vegetation growth close to the house.

• Surrounding Hazards: Identify potential risks like nearby trees that could fall on the house, proximity to bodies of water (flood risk), or unusual structures on the property.

• Potential Hazards: Look for potential hazards like pools, trampolines, or other structures that may require additional coverage or safety measures. Note any visible pet enclosures or signage that might indicate the presence of dogs.

• Debris and Clutter: Observe the property for excessive debris accumulation. This could include: Yard debris, vehicle storage issues, and improperly stored items.

• Other Structures: Identify any other structures on the property, such as sheds, detached garages, or outbuildings. Note their condition and proximity to the main dwelling.

• Agricultural/Equine Activities: Observe the property for signs of farming or horse-related activities. This includes looking for barns, stables, pastures, fields, equipment, and fencing. Note any potential hazards associated with these activities.

Save a copy of the Deed, RCE from carrier and photos to the file. (Use NJ Property Records for the deed).