ACORD 70 InstructionsPersonal Policy Change Request (Except Auto) Use ACORD 70 to request mid-term changes to any personal lines policy, except auto. For auto changes, see ACORD 71, Personal Auto Policy Change Request. This form should be used instead of individual turnaround endorsement requests. A copy of the request may be sent to the insured to confirm that the change is submitted to the company. The form provides for property, mobile home, inland marine, watercraft and umbrella changes.
Agency Producer’s name and address.
Agency’s telephone number.
Agency's fax number.
Identification code assigned to your agency or brokerage firm by the insurance company receiving this form.
If your agency uses a subcode identification system with the company, enter the appropriate code.
Customer’s identification number assigned by the agency.
Name of applicant or named insured
Enter changes here to Insured's name and/or mailing address.
Check the appropriate box to indicate the type of policy that is being added, changed or deleted.
Issuing company’s name. NAIC # Enter the NAIC number for the insurer affording coverage.
Contact person at insurance company.
Number exactly as it appears on the policy, including prefix and suffix symbols. Check if a new policy or a renewal. Account Number Enter the insurer's account number, if applicable. Effective Date of Change Date on which the change should take effect. Inception Date of Policy Date on which the terms and conditions of the policy commenced. Expiration Date of Policy Date on which the terms and conditions of the policy will expire. Change Billing Plan to Indicate if applicant wants to be billed directly or through the agency.
Check the appropriate box to indicate who should receive the invoice.
This section should be completed for any modification to the coverage amounts on a homeowner policy. If a new homeowner policy is to be written, the Homeowner Application (ACORD 80) should be used. When requesting a change, enter only the information being changed. All other items on the policy remain the same. If deleting an item, provide sufficient information to process the request. List the anticipated dollar limit amount for each applicable coverage. HO Form Policy form number or company form designation for the type of policy/coverage desired. Some ISO form types are: (1) Basic; (2) Broad; (3) Special; (4) Tenants Contents; (5) Comprehensive
One or more deductibles may apply, depending on the company, the jurisdiction for the policy and the property coverage. Enter the appropriate name of the deductible and deductible amount in each field. (Note: Deductibles may be the same amount or they may differ by coverage.)
List the changed dollar limit amounts for each applicable coverage.
One or more deductibles may apply, depending on the company, the jurisdiction for the policy and the property coverage. Enter the appropriate name of the deductible and deductible amount in each field. (Note: Deductibles may be the same amount or they may differ by coverage.) Coverage Abbreviations: Fire = Fire and Lightning; EC = Extended Coverage; VMM = Vandalism and Malicious Mischief
Enter the applicable coverage form and list the changed dollar limit amounts for each applicable coverage. Ded (Type and Amount) One or more deductibles may apply, depending on the company, the jurisdiction for the policy and the property coverage. Enter the appropriate name of the deductible and deductible amount in each field. (Note: Deductibles may be the same amount or they may differ by coverage.)
Provide the information below for each dwelling. Enter only the information being changed.
Check the primary type of building material used to construct the dwelling. Also indicate the siding type. Examples of siding types not shown on the form include stucco, log, asbestos, and synthetic stucco/ EIFS (Exterior Insulation Finishing System). Synthetic stucco is an artificial stucco used for exterior insulation and finishing systems (EIFS). It is created by affixing a styrofoam panel to the wall sheathing. The styrofoam is covered with reinforcing mesh, followed by a base coat and a finish coat. Both the base coat and the finish coats include an acrylic resin. The resin is water soluble in its liquid form, but once applied and dried, it becomes waterproof. Typically, this type of surface is less than a half-inch thick. It is relatively light, and sounds hollow when tapped. Real stucco is relatively heavy and feels and sounds solid when tapped. It is a much harder material than synthetic stucco, and is more resistant to injury by a blow or impact. NOTE: you must advise the insurer if synthetic stucco (EIFS) siding is present.
Year the dwelling was built. Use four digits (e.g., 1952). If significant alterations were made, indicate the year and describe the alternations in the Remarks section. Also complete the Renovation Update section.
Dwelling's total square footage of living area.
Total number of rooms in a residence, including full and half rooms (bath).
Complete only for tenant or condominium policies. Enter the number of apartments (residences) in the building.
Estimated total dollar amount for which the dwelling could be sold under current market conditions.
Estimated total dollar amount required to rebuild the dwelling without depreciation.
Indicate the residence type. The full meaning of each abbreviation is: DWELLING = Dwelling, intended to be a free standing, up to 4 family building; APART = Apartment; CONDO = Condominium; TOWNHOUSE = Townhouse; ROWHOUSE = Rowhouse; CO-OP = Co-operative.
Applicant's use for the dwelling within the guidelines listed. ("COC" refers to dwellings in the "course of construction.")
Number of separate family units in the dwelling. Not required for HO-4 or HO-6.
Number of residents in the household.
Year the applicant acquired the dwelling and the purchase price. The year should be expressed in YYYY format.
Complete only for apartments, townhouses, rowhouses and condominiums. Enter the number of residences that are in the same fire division with the insured residence (including the insured's residence). A fire division is the number of units within the building or within approved firewalls.
Dwelling location based on individual state bureau or company homeowners manual pages.
Premium group codes are found in individual state homeowner manuals. Some companies may require this data, others will generate it. Premium Group is a combination of Protection Class, Territory Code and Construction Type Code used to determine the applicable rate based upon the dwelling's location, construction and fire protection code.
Dwelling's four-character fire protection grade found in individual state homeowners manuals.
Distance in feet from the nearest hydrant to support the protection class used.
Distance in miles from the nearest fire station to support the protection class used.
For temperature, smoke and burglar alarms to qualify for credit, a copy of the manufacturer's specification sheet must be submitted with the application. The combination of dead bolt, smoke detector and fire extinguisher qualifies for a separate credit with some companies.
Type of heating device for the residence. If there is more than one type, indicate the primary and secondary types. Use the Remarks section if necessary. Some possible types are: Electric - Permanent/Portable; Liquid Propane - Permanent/Portable; Natural Gas; Kerosene - Permanent/Portable; Coal -Professionally/Non-Professionally Installed; Oil; Wood; Solar; Other - Explain the heating system in Remarks.
Enter the evaluation of the interior upkeep of the dwelling. Renovation Type If wiring, plumbing, heating or roofing have been partially or completely replaced, provide the year updated. If the exterior has been repainted, provide the year. Fire/EC Rate Complete if residence is specifically rated. Refer to thecompany rate manual.
Residence's fire district name and corresponding code number, which can be found in the individual state manual pages.
Indicate the date (mm/dd/yyyy) heating system was last service.
Indicate the number of amps in the electrical system.
Check the applicable box.
Check the applicable box.
Check the applicable box. Plumbing System Condition Indicate condition of the plumbing system.
Indicate if there are any known leaks in the plumbing system.
Check the applicable box. Dwelling Location Location of the dwelling within the guidelines listed. Complete only if applicable.
Indicate if the dwelling is occupied by the owner or a tenant, unoccupied or vacant. Deadbolt If all entry (exterior) doors are fitted with deadbolt locks, check the box. Fire Extinguisher If the dwelling is equipped with fire extinguisher(s), check the box. Indicate the number of fire extinguishers and their locations in the blank space. Visible to Neighbors If the residence is visible from a road, or from another residence usually occupied by an adult during the day, check the box.
If the fuel type is oil, provide the location of the fuel oil storage tank. The options are: Indoors, above ground on masonry floor; Indoors, above ground not on masonry floor; Outdoors, above ground; Outdoors, below ground. Also show the distance from the dwelling, if the storage tank is outdoors. Swimming Pool l If a swimming pool is on the residence property, check the appropriate boxes to indicate the existence of the pool, whether the pool is above ground, in ground, has a diving board, slide or approved fence. Windstorm Loss Mitigation Features Describe the construction
features which may qualify for credit under the rules in the company manual.
General categories of construction features are:
Check the applicable box.
Enter the ISO Building Code Grade, if applicable. Also check the appropriate box to indicate whether or not the building was inspected.
Enter the city, county or state tax code, if required.
Check the applicable box.
Check the applicable box.
Number of weeks the dwelling is rented by the insured to others. Wind Class Check the applicable box.
Enter the material used to construct the roof. Examples are: Composition (fiberglass, asphalt, etc.); Metal; Poured; Slate; Tile; Wood Shake/Shingle; Other (If used, explain in Remarks). Condition of Roof Indicate the condition of the roof.
Check the appropriate box if an ACORD replacement cost worksheet has been used (i. e., ACORD 42.)
Indicate the number of square feet in the basement. Leave this field blank if there is no basement. Garage Indicate the number of square feet in the garage. Leave this field blank if there is no garage.
Indicate the number of square feet in the breezeway. Leave this field blank if there is no breezeway.
Check the applicable box(es) if any rating credits apply. Sprinkler If the dwelling is equipped with a fire sprinkler system, indicate whether it is full or partial. Leave this field blank if there is no sprinkler system.
Check the applicable box(es) to describe the fireplace(s.)
Check the appropriate box to describe the type of tie down, if any, used to secure the mobile home from wind damage
Check the applicable box. If Other, identify. ADDITIONAL
INTEREST Provide the following information for the entity having an interest in the dwelling(s) to be insured: the interest number or rank (1st, 2nd), whether the additional interest is the mortgage holder, (e.g., bank in which the mortgage is held) or other interest, the name and address of the interest (e.g., Loans Are Us Bank, 123 Main St, Anytown, NY 10010) and loan number. Space is provided for two additional interests.
(Attach appraisal or bill of sale if required) List items that are to be added, changed or deleted on the personal inland marine policy. When working with a long list of items, you may attach a list of the items rather than complete this section of the application. When listing items, provide a full description, including serial numbers, if applicable. Appraisals or sales receipts must be included where required.
Hull Amount of coverage for boat damage (this may include collision liability). Limits may be entered for two vessels.
Amount of coverage for damage to the outboard motor. Space for 2 motors is provided. Note: Coverage for inboard motors is included in the hull coverage.
Coverage amount for those items not permanently attached to the boat. Examples are: Oars, Anchors, Life preservers and Fire extinguishers.
Coverage amount for damage to the trailer.
Coverage amount for bodily injury and property damage (may be called protection and indemnity).
Coverage amount for medical expenses for bodily injury to occupants of the boat.
Some states require this coverage for watercraft.
Show the deductible if applicable.
Section may be used to make changes to either the basic policy or individual coverage limits.
Limit of liability.
Amount of liability retained by the insured. Retention is usually expressed in whole dollars, but can be a percentage.
Automobile, Personal Liability, Watercraft, Recreational Vehicles Complete these boxes as needed.
Space provided for additional comments or explanation.
Producer's Signature / Insured's Signature Space is provided for signatures of the producer and/or the insured. Some companies require one or both signatures when limits of insurance are increased or reduced, or other changes are made that are considered significant to the company. Refer to your company or state rules.
The National Producer
Number assigned by the NAIC should be shown. Sign up for Free Access to all ACORD forms. Return to Simply Easier ACORD Forms home page from ACORD 24 Instructions page.
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