Tuesday, July 8, 2014

ACORD 140 Additional Coverages Section #1

How to Complete the ACORD 140 Additional Coverage Section



This section covers a lot of ground. I am going to break this up into three separate posts. This first post covers additional coverage, Options, Restrictions and Endorsements.



SPOILAGE COVERAGE

Here is a link to the ISO coverage form CP 04 40 06 07 . This will give you a very good idea of what is covered under this endorsement.

Put a Y or an N in the box on the form. If you enter an N because you are not including this coverage, then you will not complete any of the fields to the right in this row.

If you enter a Y for YES....

DESCRIPTION OF PROPERTY COVERED - enter a brief test description such as "Food in refrigeration units"

LIMIT $ - Enter the dollar amount of coverage.

DEDUCTIBLE $ - Enter the dollar amount of the deductible for this coverage.

REFRIG MAINT AGREEMENT (Y/N) - This is refrigeration maintenance agreement. Yes or No does the insured have one?

OPTIONS - Check the boxes for all included coverage. You can have some, all or none.

BREAKDOWN OF CONTAMINATION

POWER OUTAGE

SELLING PRICE

OTHER - you describe.


SINKHOLE COVERAGE

IRMI has a good definition of this coverage HERE.

Notice this coverage is Required in Florida.

Check one of the two boxes...

ACCEPT COVERAGE

REJECT COVERAGE

If coverage is accepted...

LIMIT $ - enter the dollar amount of coverage for this Subject of Insurance.

PROPERTY HAS BEEN DESIGNATED AN HISTORICAL LANDMARK - check this box if that is correct. You can use the blank space in this area to elaborate on that if needed.

# OF OPEN SIDES ON STRUCTURE - enter number.

I hope this helps you learn how to complete the ACORD 140 additional coverage section,



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