Before you begin
Prepare for a last-resort property insurance application without assuming it matches a standard policy.
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FAIR Plan Prep Checklist
| Done | Item and purpose | Your notes |
|---|---|---|
| Eligibility attempts Keep declinations or other market-search evidence if required. | ||
| Occupancy and use Record owner, tenant, vacancy, and business-use facts accurately. | ||
| Property condition List repairs, inspections, and unresolved hazards. | ||
| Covered perils Identify what the basic policy includes. | ||
| Dwelling limit Record the limit and how it was estimated. | ||
| Settlement method Check replacement-cost or actual-cash-value wording. | ||
| Deductibles List ordinary and catastrophe deductibles. | ||
| Coverage gaps Identify liability, water, theft, or other gaps requiring another policy. | ||
| Inspection requirements Track access, requested repairs, and response dates. | ||
| Official program source Verify rules with the state program and insurance department. |
How to finish the review
- Mark uncertain answers instead of guessing.
- Attach the quote, declarations page, and form or endorsement that supports each answer.
- Ask the agent or carrier to resolve differences in writing.
- Repeat the same fields for every quote so price is compared on equal terms.