West Virginia Essential Property Association
190 N. Independence Mall West, Suite - 301 | Philadelphia, Pennsylvania 19106-1554
Phone: (800) 462-4972 or (215) 629-8800 | Fax: (215) 409-9100
Hours of Operation are Monday to Friday 8:00 AM - 4:00 PM EST


GENERAL RULES AND PROCEDURES


I. GENERAL PURPOSE (INTRODUCTION)

         Address and Telephone Numbers

II. ELIGIBILITY

  1. Eligible Applicant
  2. Ineligible Applicant
  3. Eligible Property
  4. Ineligible Property

III. UNDERWRITING STANDARDS

IV. POLICY PROVISIONS

  1. Coverage(s) Provided
  2. Policy Forms
  3. Deductibles
  4. Coinsurance
  5. Policy Term
  6. Other Insurance
  7. Excess Insurance
  8. Primary Insurance

V. MAXIMUM LIMITS OF LIABILITY

  1. Habitational Occupancy Classes
  2. All Other Occupancy Classes

VI. HOW TO APPLY

VII. IMMEDIATE COVERAGE

  1. Policy
  2. Effective Date
  3. Acknowledgment Letter

VIII. INSPECTIONS

  1. Request for Inspection
  2. Inspection Procedure
  3. Reinspections
  4. Incomplete Inspections (Lockouts)
  5. Declinations
  6. Condition Charges
    1. Table 1
    2. Table 2
    3. Instruction Pamphlets
  7. Condition Corrections

IX. PAYMENT OF PREMIUMS

  1. Notice f Premium Due
  2. Additional Premiums
  3. Minimum Policy Writing Premium
  4. Return Premiums
  5. Waiver of Additional or Return Premiums
  6. Commissions
  7. Dishonored Checks from the Insured

X. POLICY WRITING

XI. REQUEST FOR ENDORSEMENT

  1. Change of Producer
  2. Change of Location
  3. Assignment of Interest
  4. Addition or Change of Lienholder
  5. Increase in Coverage
  6. Decrease in Coverage
  7. Immediate Coverage Policy

XII. CANCELLATION

  1. At Insured's Request
  2. At Company's Request
  3. Mortgagee's Notice of Cancellation
  4. Premium Finance Company Request

XIII. EXPIRING COVERAGE

  1. Offer to Rene
  2. Notice of Premium Due
  3. Renewal Premium Notification
  4. Non-Renewal Notice
  5. Final Notice of Expiration
  6. Mortgagee Notice
  7. Reinstatement of Expired Policy

XIV. APPEALS

XV. RATING ASSOCIATION RULES

XVI. CLAIMS PROCEDURE

  1. Reporting
    1. Emergency/Rush
  2. Assignment Authority
  3. Payment of Claims

XVII. AUTHORITY OF AGENTS AND BROKERS

XVIII. PUBLIC RELATIONS

  1. Speakers
  2. Pamphlets