Personal Lines Bulletin

PolicyCenter Changes Improve Mobile Home Valuations

April 21, 2017

Using the Mobile Home Manufacturer and Model (Trade Name) fields in the cost estimator results in a more accurate valuation of a mobile home. Citizens has implemented changes in PolicyCenter® to improve valuation of mobile homes built in 1977 or later.

Manufacturer and Trade Name (Model) Fields and Supporting Documentation
Beginning with policy effective dates (including policy changes to Coverage A) of July 1, 2017, or later, agents can validate a mobile home’s Manufacturer and Trade Name (Model) fields and select the names from the drop-down lists in the cost estimator.

If the manufacturer and/or model is not listed in these drop-down lists, agents can enter a valid manufacturer and model name in these fields. Do not use abbreviations.


If the cost estimator still doesn’t recognize the manufacturer and model name, agents can complete the Supplemental Value Section (SVS) and will be required to upload documentation confirming:

  • Year built
  • Manufacturer
  • Model name


Documentation may be one of the following:

  • Legible photograph of the mobile home data plate
  • Copy of the Florida Certificate of Title
  • Other acceptable documentation to verify the manufacturer and model name


Notes:

  • If the data entered in the Manufacturer and Trade Name (Model) fields are recognized in the cost estimator, uncheck SVS, and recalculate to avoid unnecessary underwriting delays.
  • For existing policies:
    • These changes apply only when the agent accesses the cost estimator.
    • For those who currently do not use SVS, documentation will not be required unless the agent updates the cost estimator to use SVS.
    • For those who currently use SVS, agents will receive a warning to verify and update the manufacturer and trade name for a more accurate valuation.
    • In the event that the policyholder is not able to provide the make and model, agents can research it as described in Knowledge Base Answer ID 3519 (Log in to the Agents site to view.).


New Fields

PolicyCenter now has two new fields that are populated from the cost estimator:

  • Trade Name (Model), which is on the Dwelling Construction screen
  • Supplemental Value Section – Quality Category, which is on the Coverages screen


These fields can be edited only in the cost estimator.





Agent Bulletins are provided for historical purposes only and have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals and by logging in, then selecting Search → Search Frequently Asked Questions