Help:How Do I
The How Do I list shown below highlights procedural resources for agents to navigate common tasks efficiently. It serves as a hub for practical knowledge, offering straightforward guidance on essential actions related to policy management, claims, reporting, and customer support.
Designed to streamline policy management workflows, this section connects agents with the tools and insights they need to handle everyday responsibilities confidently and effectively, ensuring they can provide seamless service to their policyholders.
| Equinox Procedure | Description |
|---|---|
| Submit Change to NFIP Policy | This page serves as a directory for various NFIP Policy Changes agents can request through Equinox. Each change type includes details about the process, effective dates, and required documentation. Individual procedures are linked for more specific instructions. |
| Create NFIP Application | NFIP Policies require a completed application signed by an agent and paid in full. Basic property details and NFIP data must collected as part of the application process. At the "NFIP Rates" step, highlighted in green below, agents can generate a preliminary quote based on the details provided. This allows the agent to review potential costs before signing the application and collecting premium. |
| Submit Change to NFIP Coverage | This procedure explains how agents can submit requests to change coverage amounts on an NFIP policy. Coverage changes include increases or decreases to building and contents coverage, as well as deductible changes. Supporting documentation may be required depending on the type of change. |
| Submit Change to NFIP Insured | This procedure explains how agents can request a change to the insured details on an NFIP policy. These changes can include contact information, adding co-insureds or additional insureds, or making changes to the names. |
| Submit NFIP Cancellation Request | This procedure explains how agents can submit a cancellation request for an NFIP policy. This will not auto-issue and must be reviewed by Underwriting before it is cancelled. |
| Submit Policy Assignment | This procedure explains how agents can request a policy assignment. A policy assignment transfers an NFIP policy from the current policyholder to a new policyholder due to a change in ownership. |
| Pay NFIP New Business | This procedure explains how agents can submit premium payments for NFIP New Business applications. |
| Submit Change to Structural Variable | This procedure explains how agents can submit requests to change or correct the building details on an NFIP policy. Most structural variables determine policy rating, so premium may be impacted. Supporting documentation may be required. |
| Report Claim | This procedure explains how agents can submit a First Notice of Loss (FNOL) in the Equinox platform. This initiates the claims process for a policyholder after a loss event. |
| Submit Change to NFIP Billing Instructions | NFIP Renewal Bills can be sent to the insured or other interested parties, such as a named mortgagee. This procedure will show how to update where the renewal bill will be sent. |
| Submit Change to Mortgagee Clause | This procedure explains how agents can request changes to the mortgagee clause on an NFIP policy. A change in mortgagee will create a new Declarations Page. Incorrect mortgagee information is a common cause of claim payment delay. |
| Submit Change to Effective Date | This procedure explains how agents can submit requests to correct the NFIP policy effective date. Supporting documentation may be required. |
| Pay NFIP Policy Change | This procedure explains how agents can submit premium payments for an NFIP Policy Change. |
| Renew NFIP Policy | This procedure explains how agents can renew an NFIP policy through the Equinox platform. The renewal process ensures continuous coverage and requires the agent to review policy details, verify payment, and confirm the policy’s renewal status. |
| Submit NFIP Policy Transfer | This procedure explains how agents can request a transfer or rollover of an NFIP policy. |
| Submit Change to Agent of Record | This procedure explains how agents can request a change to the Agent of Record on an NFIP policy. A change in the AOR assigns a new agent to the policy while leaving all other policy details intact. The process requires a signed request from the policyholder. |
| Pay NFIP Renewal | This procedure explains how agents can submit premium payments for an upcoming NFIP Renewal term. |