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Coming Soon: Automated Loss History Data in PolicyCenter

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August 26, 2021

Loss history is an important part of Citizens’ underwriting process because it helps determine whether the risk and the applicant meet our eligibility and insurability guidelines.

To streamline the new-business process for Personal Lines risks, Citizens will update PolicyCenter® processes to procure loss history information and require proof of repair for certain losses before a risk is submitted. This update is scheduled for this fall.

After the PolicyCenter update, agents must obtain permission from the applicant(s) to obtain a loss history report during the application process and confirm their permission in PolicyCenter when prompted.

Once the agent confirms permission, PolicyCenter will display loss history data on the Prior Loss tab. Agents should verify the information with the applicant and make edits or accept the data as shown.

The loss history data comes from a third-party property claims database and identifies losses based on the:

  • Property address
  • Names and birthdates of first and applicable additional named insureds
  • First and applicable additional named insureds’ Social Security number or Federal Employer Identification Number

Note: If the applicant does not give permission, Citizens cannot process the application.

Proof-of-Repair Documentation

Based on certain loss conditions, agents will be required to upload proof of repairs for the prior loss(es) before submitting the application.

More Information to Come

Stay tuned – Citizens soon will announce details, updated resources and training opportunities about this new feature in the new-business process.

Performance Standards Reminder

As a reminder, agency staff should be aware of and avoid the following performance violations:

  • Circumventing the document submission process
  • Submitting an ineligible risk
  • Submitting an uninsurable risk
  • Posting a premium on an unbound risk
  • Applying incorrect credits, discounts or surcharges; or missing signatures

For details about performance violations, log in to the Agents website and select Training > Personal Job Aids to access the Agent Performance Standards Program Guide.

Legal Disclaimer

Citizens provides agent communications online for historical purposes only, and the communications 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 and accessing our FAQs, which are available from the top of any page on our website. 

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