I have question. I have a client that has a boarded window in her basement. Her response to the boarded window is she has an ADP system and anyone down there has to have a way to get out of there if a peril occurs. I'm new to Illinois and to me what she says is reasonable; however, the insurance company she was with wants to insure the house now on an ACV basis. There are several repairs that have to be addressed; however, at this point the insured is very upset because she's spending money and still has no insurance. Any guidance for a Illinois newbie agent?
Hi
If you would like you can run the situation by our, Tower Hill Specialty, underwriters. We can sometimes find a home for houses that need a little tender love and care. I was not able to tell if fixing one of the windows was part of the planned repairs. Generally boarded up windows are not going to be acceptable.
You can reach them at 888-795-7256 ext 4 to discuss the situation.
If this risk is acceptable or you need an outlet for other property gaps then they will be able to help you. We work with a number of MGAs and cluster groups, but if you don’t belong to one of them you can ask about one to join or a direct appointment.
