Florida Governor Rick Scott Signs Senate Bill 408 Into Law

Size: px
Start display at page:

Download "Florida Governor Rick Scott Signs Senate Bill 408 Into Law"

Transcription

1 JUNE 2011 Florida Goveror Rick Scott Sigs Seate Bill 408 Ito Law Florida Goveror Rick Scott siged Seate Bill 408 (SB408) ito law o May 17, The legislative itet of SB408 is to reform the ustable property isurace market ad make several substatial chages to Florida s property isurace laws, addressig some of the issues that have resulted i icreased costs. The more sigificat provisios of the law impactig property isurace coverage i the State impose a uiform statute of limitatios, limit sikhole losses, chage the holdback requiremets o dwellig ad cotets coverage, restrict the statute of limitatios o sikhole ad hurricae claims, ad cap public adjusters compesatio. The law does ot apply retroactively, so the amedmets geerally will apply to ew claims ad suits as of the effective date. These provisios are addressed below. Statute of Limitatios o Property Claims Geerally The statute of limitatios o a property isurace claim rus from the date of the alleged breach of the isurace cotract, which typically occurs o the date of the last paymet or deial. Isureds previously were able to exted this time by either submittig a supplemetal claim or waitig years to report a claim. SB408 ameds Florida Statute 95.11, to apply a five-year statute of limitatios from the date of loss for brigig a actio for breach of a property isurace cotract. This chage creates a date certai o which the statute of limitatios will expire. Time Limits for Hurricae, Widstorm ad Sikhole Claims SB408 addresses the widespread issue of late reportig hurricae ad sikhole claims by placig a two-year statue of limitatios o sikhole claims ad a three-year statute of limitatios o widstorm ad hurricae claims. Effective as of Jue 1, 2011, a claim, supplemetal claim, or re-opeed widstorm or hurricae claim must be preseted withi three years after the hurricae first makes ladfall, or after the widstorm causes covered damage. A iitial, supplemetal, or re-opeed sikhole claim must be preseted to the isurer withi two years after the policyholder kew or reasoably should have kow about the loss. To elimiate ambiguity i the type of additioal claim made after a iitial claim has bee paid or deied, the law uses the terms supplemetal claim ad re-opeed claim iterchageably, as i ay additioal claim for recovery from the isurer for losses from the same hurricae or widstorm which the isurer has previously adjusted pursuat to the iitial claim. 1

2 Effective Jauary 1, 2012, all cotracts with public adjusters must iclude the public adjuster s ame ad firm, busiess address, ad licese umber, as well as certai other specified iformatio. Public Adjusters SB408 limits public adjusters fees for re-opeed or supplemetal claims to 20% of the claim paymet. Fees for claims made more tha oe year after evets that are the subject of a Declaratio of a State of Emergecy caot exceed 20% of the claim paymet. Public adjusters are still prohibited from chargig more tha 10% of the paymet of a claim for a State of Emergecy evet made withi oe year of the date of loss. SB408 additioally prohibits public adjusters from makig deceptive or misleadig advertisemets or solicitatios, icludig statemets or represetatios that ivite a policyholder to submit a claim: (1) whe the policyholder does ot have covered damage to the isured property; (2) by offerig moetary or other valuable iducemet; or (3) by statig that there is o risk to the policyholder by submittig such a claim. The law further prohibits public adjusters from usig ay logo or shield that implies, or could be costrued to imply, that the solicitatio was issued or distributed by a govermetal agecy or is sactioed or edorsed by a govermetal agecy. Effective Jauary 1, 2012, all cotracts with public adjusters must iclude the public adjuster s ame ad firm, busiess address, ad licese umber, as well as certai other specified iformatio. All amed isureds must sig the cotract, ad if all sigatures are ot available, the public adjuster must submit a affidavit, siged by all available amed isureds, attestig that they have the authority to eter ito the cotract ad settle all claim issues o behalf of the uavailable amed isured(s). A ualtered copy of the executed cotract must be remitted to the isurer withi 30 days after executio. Public adjusters also must ow iclude the followig laguage o all writte advertisemets, i bold prit ad capital letters, ad i a typeface o smaller tha the typeface of the body of the text: THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT. SB408 exteds a isured s prompt otice obligatios to his or her public adjuster, requirig the public adjuster to provide prompt otice to the isurer ad to iclude their cotract with the otice. Public adjusters also are ow required to provide a writte estimate of the loss to assist i the submissio of a proof of loss, to retai a copy of the estimate for at least five years, ad to make the estimate available to the isurer, upo the isurer s request. Public adjusters must esure that isurers have direct access to the property ad to the isured, ad allow the isurer, upo 48-hours otice, to obtai all iformatio ecessary to ivestigate ad respod to a claim. A public adjuster may ot act or fail to reasoably act i ay maer that obstructs or prevets 2

3 a isurer (or isurer s adjuster) from timely coductig a ispectio of ay part of the isured property for which there is a claim for loss or damage. I the evet that the public adjuster s uavailability delays the isurer s timely ispectio, the public adjuster or the isured must allow the isurer access to the property without the participatio or presece of the public adjuster or isured. A isurer may ot, however, exclude a public adjuster from attedig i-perso meetigs with the isured. Replacemet Coverage ad Holdbacks Isurers previously were required to pay the replacemet cost value of damage to a dwellig or persoal property without reservatio or holdback of ay depreciatio i value, regardless of whether the isured actually replaced or repaired the property. Uder SB408, the isurer ow must iitially teder paymet for at least the actual cash value of a dwellig loss, less the applicable deductible. Ay remaiig amouts ecessary to perform repairs must be paid, but oly as the work is performed. Where a total loss occurs, however, the isurer must pay the etire replacemet cost coverage, without holdback, uder Florida Statute For persoal property isured o a replacemet cost basis, the isurer must offer two claim paymet optios: The first requires the isurer to pay the replacemet cost without holdback of depreciatio, regardless of whether the isured replaces the property. The secod allows the isurer to limit the iitial paymet to the actual cash value of the persoal property to be replaced ad the teder paymet for full replacemet value oce a receipt is provided by the isured. Sikholes As idicated, several chages i sikhole coverage, targeted to reduce fraudulet claims, have bee eacted i this legislatio. Coverage for Sikhole Claims Although isurers must cotiue to cover sikhole losses, SB408 allows a isurer to require a property ispectio prior to the issuace of sikhole loss coverage. The law limits what costitutes a sikhole loss to structural damage to the covered buildig, icludig the foudatio, caused by sikhole activity, ad specifies five distict types of damage that costitute structural damage, based upo stadards cotaied i the Florida Buildig Code, or used i the costructio idustry. For a policyholder to obtai beefits for a sikhole loss, the structure must sustai oe of the eumerated types of damages. The law also authorizes isurers to restrict catastrophic groud cover collapse ad sikhole loss coverage to the mai buildig as defied i the isurace policy. Paymet for Sikhole Claims I 2005, legislatio was eacted that preveted isurers from holdig back a portio of a claim paymet, which resulted i policyholders I order for a policyholder to obtai beefits for a sikhole loss, the structure must sustai oe of the eumerated types of damages. 3

4 If there is o structural damage, or if the cause of structural damage is ot sikhole activity, the there is o coverage. receivig large checks, some of which were alleged to have bee spet o urelated expeditures. SB408 restores a isurer s right to a holdback o structural claims. Isurers ow may pay the market cost of the damaged property first ad the remaiig repair cost oly after the policyholder sigs a cotract to repair the damage. The ew law also requires that sikhole damage be repaired i accordace with the recommedatios made by the isurer s professioal egieer. If the repairs caot be completed withi policy limits, the isurer has the optio to either pay to complete the recommeded repairs, or to teder policy limits. Sikhole Claim Ivestigatio SB408 itroduces a process for the ivestigatio of a sikhole claim: A isurer must determie whether the buildig has icurred structural damage caused by sikhole activity. If there is o structural damage, or if the cause of structural damage is ot sikhole activity, the there is o coverage. (1) Iitial Ispectio ad Structural Damage Determiatio. The isurer must ispect the premises upo receipt of a claim to determie whether there is ay structural damage that may be the result of sikhole activity. The use of a structural egieer may be required to evaluate whether the isured buildig has icurred structural damage as defied by statute. (2) Sikhole Testig Iitiated by the Isurer. The isurer must egage a professioal egieer or professioal geologist to coduct sikhole testig where it is determied that structural damage exists ad the isurer is either uable to idetify a valid cause of the damage or determie that the structural damage is cosistet with sikhole loss. If coverage is excluded uder the policy, eve if a sikhole loss is cofirmed, the the isurer is ot required to coduct sikhole testig. (3) Policyholder Notice. The isurer must provide writte otice to the policyholder, detailig what it determied to be the cause of damage ad a statemet of the circumstaces uder which the isurer must coduct sikhole testig. The isurer also must otify the policyholder of his or her right to demad sikhole testig ad the circumstaces uder which the policyholder may icur costs associated with testig. (4) Authorizatio to Dey Claim. The isurer may dey a claim where it is determied that there is o sikhole loss. (5) Policyholder Demad for Testig. The policyholder must demad sikhole testig i writig withi 60 days after receipt of a claim deial, if the isurer deies the claim without performig sikhole testig ad coverage would be available if a sikhole loss were cofirmed. Where coverage for a sikhole loss is foud, the policyholder must file a copy of ay sikhole report prepared o his or her behalf with the Couty Clerk of Court before paymet for the loss may be accepted. SB408 also provides that where a policyholder accepts a rebate from ay cotractor performig repairs, coverage is void. 2

5 Neutral Evaluatio of Sikhole Claims Neutral evaluatio remais available to either party as a alterative for the resolutio of disputed sikhole claims. The eutral evaluatio must, however, at a miimum, determie: (1) cause; (2) all methods of stabilizatio ad repairs, both above ad below groud; (3) the costs for stabilizatio ad repairs; ad (4) all iformatio eeded to determie whether a sikhole loss has bee verified. The eutral evaluatio must reder a opiio o all matters i dispute, ad the eutral evaluator s report must be filed with the Clerk of Court. The law also specifies that a eutral evaluator must be provided with iformatio ecessary to perform his or her duties, icludig reasoable access to the property ad all reports prepared o behalf of the policyholder. The parties must agree o a eutral evaluator withi 14 busiess days. If a agreemet caot be reached, the Departmet of Fiacial Services (DFS) shall appoit a eutral evaluator, who the has 14 busiess days to otify the parties of the date, time ad place of the eutral evaluatio coferece. The eutral evaluator is required to make a reasoable effort to hold the coferece withi 90 days after the DFS s receipt of the request for eutral evaluatio. His or her report is due withi 14 days after the eutral evaluatio coferece. The law specifically provides that the eutral evaluatio does ot ivalidate a isurace policy s appraisal clause, ad a isurer s actios i eutral evaluatios are ot to be costrued as a cofessio of judgmet or admissio of liability. For more iformatio about ay of the topics covered i this issue of the Isurace Law Alert, please cotact: Lizette Flores The iformatio cotaied i this Cliet Alert is for geeral iformatioal purposes oly ad is either preseted or iteded to costitute legal advice or a legal opiio as to ay particular matter. The reader should ot act o the basis of ay iformatio cotaied herei without cosultig first with his or her legal or other professioal advisor with respect to the advisability of ay specific course of actio ad the applicable law. The views preseted herei reflect the views of the idividual author(s). They do ot ecessarily reflect the views of Bressler, Amery & Ross, P.C. or ay of its other attoreys or cliets. 17 State Street New York, NY Columbia Turpike Florham Park, NJ SW 149th Aveue Miramar, FL Bressler, Amery & Ross, P.C. All rights reserved. ATTORNEY ADVERTISING

RISK TRANSFER FOR DESIGN-BUILD TEAMS

RISK TRANSFER FOR DESIGN-BUILD TEAMS WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

Two people, one policy. Affordable long-term care coverage for both.

Two people, one policy. Affordable long-term care coverage for both. Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not Settlig Isurace Claims After a Disaster What you eed to kow about how to file a claim how the claim process works what s covered ad what s ot First Steps Cotact your aget or compay immediately. Fid out

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

There s Wealth in Our Approach.

There s Wealth in Our Approach. Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services

More information

Art & Private Client insurance policy SUMMARY OF COVER

Art & Private Client insurance policy SUMMARY OF COVER Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

MainStay Funds IRA/SEP/Roth IRA Distribution Form

MainStay Funds IRA/SEP/Roth IRA Distribution Form MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

France caters to innovative companies and offers the best research tax credit in Europe

France caters to innovative companies and offers the best research tax credit in Europe 1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

Pre-Suit Collection Strategies

Pre-Suit Collection Strategies Pre-Suit Collectio Strategies Writte by Charles PT Phoeix How to Decide Whether to Pursue Collectio Calculatig the Value of Collectio As with ay busiess litigatio, all factors associated with the process

More information

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited Bajaj Alliaz Geeral Isurace Compay Limited Regd. Office & Head Office : GE Plaza, Airport Road, Yerawada, Pue - 411 006. PROPOSAL FORM FOR OFFICE COVER Importat : This proposal for isurace will be the

More information

Shareholder Information Brochure

Shareholder Information Brochure The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,

More information

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3 CHARITY INSURANCE SUMMARY OF COVER 1 summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Irelad Versio 3 2 SUMMARY OF COVER CHARITY INSURANCE summary of cover

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

About our services and costs

About our services and costs About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us

More information

Tenants handbook Booklet 4. Paying your rent. June 2015

Tenants handbook Booklet 4. Paying your rent. June 2015 Teats hadbook Booklet 4 Payig your ret Jue 2015 Your Ret ad other charges Payig your ret ad other charges is a coditio of your teacy. If you do ot pay, you will have broke your teacy agreemet with us.

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects

More information

Wells Fargo Insurance Services Claim Consulting Capabilities

Wells Fargo Insurance Services Claim Consulting Capabilities Wells Fargo Isurace Services Claim Cosultig Capabilities Claim Cosultig Claims are a uwelcome part of America busiess. I a recet survey coducted by Fulbright & Jaworski L.L.P., large U.S. compaies face

More information

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE INSURANCE PROVIDED BY INSURANCE ARRANGED BY Cotets Itroductio 3 Property damage 4 Property damage plus 6 Equipmet breakdow 7 Busiess iterruptio 9 Liabilities

More information

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

Home Shield. Summary IN IRELAND

Home Shield. Summary IN IRELAND Home Shield Summary IN IRELAND Cotets Policy summary of cover 3 Home Isurace buildigs cover 4 Home Isurace cotets cover 6 Geeral iformatio 11 Security requiremets 11 What if I wat to cacel the policy?

More information

FLEXIBLE GUARANTEE BOND SERIES 2

FLEXIBLE GUARANTEE BOND SERIES 2 FLEXIBLE GUARANTEE BOND SERIES 2 Key features of the Flexible Guaratee Bod Series 2 The Fiacial Coduct Authority is a fiacial services regulator. It requires us, LV=, to give you this importat iformatio

More information

ODBC. Getting Started With Sage Timberline Office ODBC

ODBC. Getting Started With Sage Timberline Office ODBC ODBC Gettig Started With Sage Timberlie Office ODBC NOTICE This documet ad the Sage Timberlie Office software may be used oly i accordace with the accompayig Sage Timberlie Office Ed User Licese Agreemet.

More information

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust? Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

PROPERTY OWNERS INSURANCE POLICY SUMMARY

PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY This documet is a summary of your Policy ad other key iformatio about the isurace cover that you should read. It does ot

More information

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then Ear The save 25/gallo for the first 2 billig periods o fuel purchases with the ExxoMobil Busiess Card. * No miimum purchase requiremets ad o maximum savigs cap. Limited-time offer. Must apply by 6/30/16.

More information

BUY TO LET MORTGAGE APPLICATION FORM

BUY TO LET MORTGAGE APPLICATION FORM BUY TO LET MORTGAGE APPLICATION FORM STAGE 2 OF 2 Please submit Stage 2 form to upgrade to full applicatio oce customer has read ad accepted the Mortgage Illustratio. Please complete this page if form

More information

PUBLIC RELATIONS PROJECT 2016

PUBLIC RELATIONS PROJECT 2016 PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig

More information

Information for Programs Seeking Initial Accreditation

Information for Programs Seeking Initial Accreditation Iformatio for Programs Seekig Iitial Accreditatio Aswers to Frequetly- Asked-Questios (from www.abet.org/ew-to-accreditatio/) Assurig Quality l Stimulatig Iovatio This documet iteds to aswer may of the

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

Indexed Survivor Universal Life. Agent product guide 15887 7/10

Indexed Survivor Universal Life. Agent product guide 15887 7/10 Idexed Survivor Uiversal Life Aget product guide 15887 7/10 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig

More information

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN February 2011 FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS www.willis.com Natioal Fire Protectio Associatio (NFPA) #25 a mai

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

Season s Greetings. President s Message

Season s Greetings. President s Message News SOLELY FOR BENEFIT December 2012 BOARD OF DIRECTORS PRESIDENT Tret White Pharmacists Associatio of Newfoudlad ad Labrador (PANL) SECRETARY/TREASURER Price Edward Islad Pharmacists Associatio (PEI)

More information

4.0 Deciding Which Method is Right for Your Home

4.0 Deciding Which Method is Right for Your Home 4.0 Decidig Which Method is Right for Your Home With the iformatio from Chapters 2 ad 3, you are ready to decide which retrofittig method is right for your home. Your decisio will be based primarily o

More information

UPDATE. Department of Labor Publishes Regulations Concerning Advance Notice of Blackout Periods. Contents. Kirkpatrick & Lockhart LLP

UPDATE. Department of Labor Publishes Regulations Concerning Advance Notice of Blackout Periods. Contents. Kirkpatrick & Lockhart LLP UPDATE Fiacial Istitutio Tax-Favored Savigs Accouts QUALIFIED RETIREMENT PLANS INDIVIDUAL RETIREMENT ACCOUNTS 403(b) PLANS 457 PLANS 529 PLANS COVERDELL EDUCATION SAVINGS ACCOUNTS ARCHER MEDICAL SAVINGS

More information

The Vehicle Warranty Products Code

The Vehicle Warranty Products Code The Vehicle Warraty Products Code Applyig to warraty admiistrators govered by the Tradig Stadards Istitute-approved guidelies Cotets Itroductio 3 Defiitios 4 Advertisig What our promise meas to you 6 What

More information

Cartrefi Hafod Lettings Agency

Cartrefi Hafod Lettings Agency Cartrefi Hafod Lettigs Agecy The ame you ca trust LANDLORD BOOKLET Cartrefi Hafod Lettigs Agecy Cartrefi Hafod Lettigs Agecy offer help to iexperieced ladlords to maage their homes. Hafod Housig Associatio

More information

Flexible Spending Account

Flexible Spending Account Health Care Flexible Spedig Accout 800522 d 08/10 what is a health care flexible spedig accout? A health care flexible spedig accout is a easy, coveiet way to get more out of your paycheck. It allows you

More information

Privacy Guide for Small Businesses: The Basics

Privacy Guide for Small Businesses: The Basics Office of the Privacy Commissioer of Caada PIPEDA Privacy Guide for Small Busiesses: The Basics Privacy is the best policy Hadlig privacy cocers correctly ca help improve your orgaizatio s reputatio. Whe

More information

Telegraphic Transfers (New Zealand)

Telegraphic Transfers (New Zealand) Telegraphic Trasfers (New Zealad) Product Disclosure Statemet Issued 22 July 2015 1 Cotets. Product Disclosure Statemet. INTRODUCTION 3 TELEGRAPHIC TRANSFERS 4 Value Date 5 Cacellatio 5 Applyig for a

More information

Disability Income Insurance

Disability Income Insurance Disability Icome Isurace Admiistered by The Parters Group ad Member Compay Kerr Cruickshak Member Compay: Negotiated Limited Time Offer INDIVIDUAL DISABILITY COVERAGE PROGRAM HIGHLIGHTS: Discouted, Specialty,

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

THE FAMILY BUSINESS. The Jones Family Business CASESTUDY

THE FAMILY BUSINESS. The Jones Family Business CASESTUDY THE FAMILY BUSINESS The Joes Family Busiess CASESTUDY Workig with cliets to trasitio a family busiess i the cotext of overall estate plaig ca be very emotioal ad dautig for a variety of reasos. It is ofte

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

LEASE-PURCHASE DECISION

LEASE-PURCHASE DECISION Public Procuremet Practice STANDARD The decisio to lease or purchase should be cosidered o a case-by case evaluatio of comparative costs ad other factors. 1 Procuremet should coduct a cost/ beefit aalysis

More information

ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY

ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY Thak you for your iterest i the ISMA s Group Term Life Isurace product. Per your request, please fid eclosed the followig: A product brochure

More information

Patient Enrollment Form

Patient Enrollment Form Patiet Erollmet Form 1 HEALTHCARE PROFESSIONAL (HCP) HCP Name Facility Name Address City State Zip Tel ( ) Fax ( ) HCP Email NPI# Facility Cotact(s)* * By icludig a facility cotact ame other tha the HCP,

More information

CHANGING CLAIMS-MADE INSURERS: IT S MORE THAN THE RETROACTIVE DATE

CHANGING CLAIMS-MADE INSURERS: IT S MORE THAN THE RETROACTIVE DATE HEALTH CARE PRACTICE CLAIMS-MADE ISSUES May 2010 www.willis.com CHANGING CLAIMS-MADE INSURERS: IT S MORE THAN THE RETROACTIVE DATE By Pamela K Haughawout, CPCU, ARM, RPLU Sadra Berkowitz, RN, JD Our cliets

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection

Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection Safe Driver Guide Additioal Charges The followig additioal charges may apply to your policy, please see the relevat guide below for a full descriptio of whe these amouts may be charged: Uit trasfer fee

More information

Repairs for your vehicle. Arranging a hire motorcycle. Compensation for injury. Recovery of other losses, such as loss of earnings

Repairs for your vehicle. Arranging a hire motorcycle. Compensation for injury. Recovery of other losses, such as loss of earnings Repairs for your vehicle Arragig a hire motorcycle Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of motorcycle isurace motorcycle Isurace A guide to your cover ad how to

More information

Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6

Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6 Visa Busiess Cards ALLIED IRISH BANK (GB) VISA BUSINESS CARDS The Allied Irish Bak (GB) Visa Busiess Card provides a simple ad highly effective way for your busiess to moitor ad cotrol routie expeses ad

More information

Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim

Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim Documet of motor trade isurace MOTOR TRADE Isurace A guide to your cover ad how to make a claim Welcome to LV= Thak you for choosig to purchase a LV= Isurace policy. Your policy is uderwritte by Highway

More information

Compulsory PI insurance for financial advisers: the new compensation arrangements

Compulsory PI insurance for financial advisers: the new compensation arrangements Compulsory PI isurace for fiacial advisers: the ew compesatio arragemets Followig chages to the Corporatios Law o 1 July 2007, fiacial advisers are ow required to hold adequate professioal idemity isurace

More information

Consider these sobering statistics

Consider these sobering statistics Idetity Theft is a form of fraud or Idetity theft cotiues to icrease every year ad has impacted millios of Americas. cheatig of aother perso s idetity i which someoe preteds to be someoe else by assumig

More information

Applying to manufacturers governed by the Trading Standards Institute-approved guidelines

Applying to manufacturers governed by the Trading Standards Institute-approved guidelines The New Car Code Applyig to maufacturers govered by the Tradig Stadards Istitute-approved guidelies Cotets Itroductio 3 Defiitios 4 Advertisig Our advertisig promise 5 What our promise meas to you 5 We

More information

Generali Worldwide Group Health Insurance Health Insurance Application Form

Generali Worldwide Group Health Insurance Health Insurance Application Form Geerali Worldwide Group Health Isurace Health Isurace Applicatio Form Please complete all sectios i BLOCK CAPITALS or tick the boxes, where appropriate. A completed Health Isurace Applicatio is required

More information

Investment Management JANUARY 2004

Investment Management JANUARY 2004 Ivestmet Maagemet JANUARY 2004 SEC Proposals Address Late Tradig, Market Timig, Fair Value Pricig, ad Disclosure of Portfolio Holdigs I respose to allegatios of widespread abuses i the fud idustry, the

More information

benefits TABLE OF CONTENTS benefits program

benefits TABLE OF CONTENTS benefits program beefits TABLE OF CONTENTS beefits program Brookhave Sciece Associates, LLC (BSA) believes that employee beefits are a importat ad meaigful part of the compesatio received by every employee. BSA has provided

More information

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers Iterstate ad Itrastate Commerce 35 Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers (Iterstate ad Itrastate Commerce)

More information

Mortgage application. Virgin Money plc. Welcome to Virgin Money plc. Thank you for choosing a mortgage with us.

Mortgage application. Virgin Money plc. Welcome to Virgin Money plc. Thank you for choosing a mortgage with us. Virgi Moey plc Mortgage applicatio Welcome to Virgi Moey plc. Thak you for choosig a mortgage with us. I this applicatio form, refereces to we, us ad our are refereces to Virgi Moey plc ad icludes our

More information

BUSINESS GROWTH PLAN EVENT 2016

BUSINESS GROWTH PLAN EVENT 2016 BUSINESS GROWTH PLAN EVENT 2016 The Busiess Growth Pla ivolves the idea geeratio ad strategy developmet eeded to grow a existig busiess. Participats i the Busiess Growth Pla will aalyze their curret busiess

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

Pre-Adjudicatory Procedures 7 Summary of Cotets This chapter explores a variety of prelimiary matters that must be addressed prior to adjudicatio hearigs, icludig petitio filig ad cotet requiremets, the

More information

Preserving Your Financial Legacy with Life Insurance Premium Financing.

Preserving Your Financial Legacy with Life Insurance Premium Financing. Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth

More information

Life Insurance Underwriting Guidelines

Life Insurance Underwriting Guidelines Uited of Omaha Life Isurace Compay Compaio Life Isurace Compay Mutual of Omaha Affiliates Life Isurace Uderwritig Guidelies As of: March 2010 Ask your uderwriter about the Fit uderwritig credit program!

More information

International Delegation A summary for financial advisers

International Delegation A summary for financial advisers Iteratioal Delegatio A summary for fiacial advisers Cotets Please ote For fiacial adviser use oly. It should ot be distributed to, or relied upo by, retail cliets. AXA Wealth Iteratioal is the brad used

More information

DC College Savings Plan Helping Children Reach a Higher Potential

DC College Savings Plan Helping Children Reach a Higher Potential 529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury

More information

Maricopa County Community College District

Maricopa County Community College District Maricopa Couty Commuity College District A Guide to Your Flexible Spedig Accout Ope erollmet is November 17- December 5. A Balaced Approach To Savig Time Ad Moey Flexible Spedig Accouts Ope erollmet is

More information

NASUWT. Briefing for teachers on the special educational needs and disability (SEND) reforms. The Teachers Union. Teachers

NASUWT. Briefing for teachers on the special educational needs and disability (SEND) reforms. The Teachers Union. Teachers The Teachers Uio Briefig for teachers o the special educatioal eeds ad disability (SEND) reforms Teachers Itroductio Special educatioal eeds ad disability (SEND) reforms were itroduced i 2014. I order

More information

Your summary of cover. Saga Motor Insurance

Your summary of cover. Saga Motor Insurance Your summary of cover Saga Motor Isurace Your itroductio to Saga Motor Isurace Cotets Your itroductio to Saga Motor Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal

More information

FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN

FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN THIS FACTSHEET RELATES TO QUESTION 2.3 OF THE MSPI (MUSEUM STANDARDS PROGRAMME FOR IRELAND) 1. Itroductio Writig a Strategic Maagemet Pla ca provide

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

Before you file pre action procedure for financial cases

Before you file pre action procedure for financial cases FAMILY COURT OF AUSTRALIA Before you file pre actio procedure for fiacial cases This brochure provides iformatio for people cosiderig applyig to the Family Court for fiacial orders. I particular, it provides

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

Withdrawals with SunAmerica Income Plus 6% SM

Withdrawals with SunAmerica Income Plus 6% SM Guaratee cliets Withdrawals with SuAmerica Icome Plus 6% SM More Now More Later More Flexibility Growth with SuAmerica Icome Builder 8% SM For fiacial professioal use oly. Not for distributio to the public.

More information

Mortgage Banking Commentary

Mortgage Banking Commentary Mortgage Bakig Commetary SEPTEMBER 2003 Home (Equity) o the Rage: HELOCs Come to the Loe Star State I a electio held o September 13, 2003, the voters i Texas approved a propositio amedig the Texas Costitutio

More information

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs Persoal Retiremet Savigs Accouts (PRSAs) A cosumer ad employers guide to PRSAs www.pesiosauthority.ie The Pesios Authority Verschoyle House 28/30 Lower Mout Street Dubli 2 Tel: (01) 613 1900 Locall: 1890

More information

Direct Online Mortgage application

Direct Online Mortgage application Virgi Moey plc Direct Olie Mortgage applicatio Welcome to Virgi Moey plc. Thak you for choosig a mortgage with us. I this applicatio form, refereces to we, us ad our are refereces to Virgi Moey plc ad

More information

Your summary of cover. Saga Motorhome Insurance

Your summary of cover. Saga Motorhome Insurance Your summary of cover Saga Motorhome Isurace Cotets Your itroductio to Saga Motorhome Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal cover optios you ca choose

More information

Life & Disability Insurance. For COSE Employer Groups with 10+ Employees

Life & Disability Insurance. For COSE Employer Groups with 10+ Employees Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted

More information

ADMISSION AND REGISTRATION

ADMISSION AND REGISTRATION 15 Admissio ad Registratio 2 C H A P T E R ADMISSION AND REGISTRATION ADMISSION INFORMATION Admissio to Ohloe College is ope to ayoe who is a high school graduate, has a high school equivalecy certificate

More information

Childcare Insurance. Summary and Guide. Unit 4, Broomhill Business Complex, Broomhill Road, Tallaght, Dublin 24 Tel: 01 4630010 / 4601138

Childcare Insurance. Summary and Guide. Unit 4, Broomhill Business Complex, Broomhill Road, Tallaght, Dublin 24 Tel: 01 4630010 / 4601138 Childcare Isurace Summary ad Guide Uit 4, Broomhill Busiess Complex, Broomhill Road, Tallaght, Dubli 24 Tel: 01 4630010 / 4601138 Childcare Isurace Summary ad Guide The growig umber of workig parets i

More information

1741 SWITZERLAND CAP WEIGHTED INDEX

1741 SWITZERLAND CAP WEIGHTED INDEX 1741 Switzerlad Idex Series 1741 SWITZERLAND CAP WEIGHTED INDEX Idex rules Status as of 1 July 2015 1741 Switzerlad Cap Weighted Idex 2 CONTENTS 1 Itroductio 3 2 Idex specificatios 4 3 Idex uiverse 5 4

More information

PUBLIC RELATIONS PROJECT 2015

PUBLIC RELATIONS PROJECT 2015 PUBLIC RELATIONS PROJECT 2015 Supported by MARKETING The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig,

More information

Voluntary Life and AD&D Insurance

Voluntary Life and AD&D Insurance Volutary Life ad AD&D Isurace Date: March 2014 To: All JMA beefit eligible members From: Wells Fargo Isurace Services Re: Volutary Life & Accidetal Death ad Dismembermet (AD&D) isurace If you choose to

More information