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Center for Curriculum and Transfer Articulation
Homeowner Policy Servicing Customer Service
Course: CSR121

First Term: 2020 Spring
 Lec + Lab   2.0 Credit(s)   3.0 Period(s)   3.0 Load  
Subject Type: Occupational
Load Formula: T- Lab Load


Description: Homeowner policy servicing components for the customer service representative. Covers systems and procedures for completing policy modifications, cancellations, and declines. Also includes Earned Premium Location (EPL) and Probable Maximum Loss (PML) guidelines.



MCCCD Official Course Competencies
1. Compare and contrast member billing, payment, and mortgage information. (I)
2. Complete member billing, payment, and mortgage information. (I)
3. Describe underwriting guidelines applicable to declines. (I)
4. Explain alternative coverage options. (I)
5. Explain types of adjustments to deductibles, coverages, and liability. (I, II)
6. Demonstrate effective homeowner policy servicing calls. (I, II)
7. Compare and contrast additional servicing procedures. (II)
8. Explain and complete Insurance to Value (ITV) procedures. (III)
9. Identify policy rating factors. (IV)
10. Explain state-wide rate set. (IV)
11. Explain and demonstrate procedures for homeowner policy cancel/rewrites. (V)
12. Determine Earned Premium Location (EPL). (V)
13. Demonstrate third party procedures. (VI)
14. Define Probable Maximum Loss (PML). (VII)
15. Review and use PML locations and guidelines. (VII)
MCCCD Official Course Competencies must be coordinated with the content outline so that each major point in the outline serves one or more competencies. MCCCD faculty retains authority in determining the pedagogical approach, methodology, content sequencing, and assessment metrics for student work. Please see individual course syllabi for additional information, including specific course requirements.
 
MCCCD Official Course Outline
I. Procedures
   A. Mortgage
   B. Billing
   C. Payment
      1. Inquiries
      2. Resolution
   D. Underwriting
      1. Guidelines
      2. Limitations
   E. Modifications
      1. Types
      2. Systems
      3. Procedures
      4. Policies
      5. Guidelines
   F. Declines
      1. Guidelines
      2. Procedures
   G. Alternative coverage
   H. Inquiries
      1. Types
      2. Procedures
II. Additional servicing
   A. Mortgage information
   B. Insured persons
   C. Policy dates
   D. Service coding
   E. Tenure
   F. Payment history
   G. Products
   H. Insurance score
   I. Coverage limits
III. Insurance-to-Value (ITV)
   A. Definition
   B. Use
   C. Procedures
IV. Rate set
   A. Use
      1. Construction
      2. Occupancy
      3. Public fire protection
      4. Territory
      5. Amount of insurance
   B. Risks
   C. Discounts/waivers
   D. Rate changes
   E. Communication
      1. Inquiry
      2. Response
   F. Property Relationship Level (PRL)
V. Cancel/rewrite
   A. Earned Premium Location (EPL)
      1. Definition
      2. Procedures
   B. Coverage changes
   C. Guidelines
   D. Contract differences
   E. Retention
   F. Limitations
      1. Batch processing
      2. Effective dates
VI. Third party
   A. Procedures
   B. Verification
   C. Disclosures
VII. Probable Maximum Loss (PML)
   A. Definition
   B. Types
   C. Geo-hazard technology
   D. Locations
      1. Types
      2. Exceptions
   E. Policies
   F. Guidelines
 
MCCCD Governing Board Approval Date: December 10, 2019

All information published is subject to change without notice. Every effort has been made to ensure the accuracy of information presented, but based on the dynamic nature of the curricular process, course and program information is subject to change in order to reflect the most current information available.