Personal Renewal Questionnaire - Corporate Four Insurance

Important Notice - Evolving Insurance Landscape in Minnesota

As you complete this Personal Renewal Questionnaire, please be aware of ongoing changes in the insurance industry, particularly in Minnesota and the Midwest. These adjustments are largely driven by the increasing frequency of severe weather events, notably hailstorms, and the rising costs of repairs due to labor and material expenses.

Consequently, insurers are implementing measures such as higher minimum deductibles, percentage-based deductibles for wind and hail, cosmetic damage exclusions, roof schedules, and Actual Cash Value (ACV) settlements for aging roofs. Additionally, HO6 (condo) policies are experiencing increased costs for loss assessment coverage requirements due to higher HOA master policy deductibles.

These changes aim to stabilize the insurance market, and early indicators suggest they are effective. However, they also underscore the importance of ensuring your insurance coverage aligns with your current needs and circumstances.

Please complete the following questionnaire to help us assess and update your insurance program accordingly.

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This field is for validation purposes and should be left unchanged.

Name(Required)

First Last

Primary Property Information(Required)

Single-Family Home

Condo/Townhome

Rental

Other

Other Type of Property(Required)

What type of Property?

Year Roof Was Last Replaced(Required)

Year Home Was Built(Required)

Roof Material(Required)

Asphalt

Metal

Tile

Wood Shake

Other

Has your property experienced hail or wind damage in the past 5 years?(Required)

If yes, please describe repairs.

Yes

Please describe

Is your home and roof currently in good repair with no cosmetic or structural issues?(Required)

If no, please explain.

Yes

Please describe

Would you consider a higher general property damage deductible?(Required)

Yes

Not Sure

Would you consider a percentage-based deductible (e.g., 1% or 2% of dwelling value) for wind and hail damage?(Required)

Yes

Not Sure

Are you aware that your roof coverage may be settled on an ACV basis (not full replacement) depending on age/condition?(Required)

Due to increasing hail-related claims and roof aging, many carriers now use Actual Cash Value (ACV) or roof schedules.

Yes

Would you like a review of your roof coverage options, including potential upgrades?(Required)

Yes

Are you aware of your HOA’s master policy deductible?(Required)

HOAs are carrying higher deductibles, which can be passed on to unit owners. We recommend sending us your association's bylaws, declarations, or insurance requirements for review.

Yes

Would you like to evaluate or increase your Loss Assessment Coverage?(Required)

HOAs are carrying higher deductibles, which can be passed on to unit owners. We recommend sending us your association's bylaws, declarations, or insurance requirements for review.

Yes

Have there been any structural changes to your home, cabin, garage, etc., since your last insurance review?(Required)

Yes

Please Describe(Required)

Have there been any recent changes to your property or household that we should be aware of (e.g., remodels, home office, short-term rental use)?(Required)

Yes

Please Describe(Required)

Have you created a Trust or recorded a Transfer on Death Deed for your property?(Required)

Yes

Please Describe(Required)

Did you purchase, lease or dispose of any (licensed or unlicensed) motor vehicles since your last insurance review?(Required)

Including, but not limited to cars, trucks, recreational vehicles, boats, etc.

Yes

Please describe(Required)

Have any new drivers been licensed or any drivers moved from your household?(Required)

Yes

List the driver changes below(Required)

Please indicate if you need to add or remove, names, date of birth and driver's license numbers.

Have you purchased, leased or disposed of any real property, including vacant land or buildings, since your last insurance review?(Required)

Yes

Please describe(Required)

Is coverage needed for unique personal property or valuables that are not currently listed on your policy?(Required)

Including, but not limited to: Jewelry / Fine Arts / Computers or Electronic Equipment / Camera Equipment / Firearms / Furs / Musical / Collectibles / Sporting Equipment / Other

Yes

Check all that apply(Required)

Jewelry

Fine Arts

Computers or Electronic Equipment

Camera Equipment

Firearms

Furs

Musical Instruments

Collectibles

Sporting Equipment

Other

Please describe the personal property and provide the corresponding value(Required)

Do you rent a self-storage unit?(Required)

Yes

Describe the contents and provide the value of the contents.(Required)

Are you paid to use your vehicle for delivery of products (i.e., pizza) or people, including driving for Lyft, Uber, or any other transportation network company?(Required)

Yes

Please describe(Required)

Do you conduct business or work from home?(Required)

Yes

Please describe the business(Required)

Is business conducted in an outbuilding or detached garage?(Required)

Yes

Is anyone ever on premises for business purposes, including mail or courier services?(Required)

Yes

Please describe(Required)

Do you employ anybody personally either full-time or part-time?(Required)

i.e. nanny, caregiver, lawn service

Yes

Please describe(Required)

You may have an exposure for damage that is not covered by your homeowners policy. Would you like additional information on coverage for any of the following?(Required)

Flood / Sewer Backup / Earthquake / Service Line / Equipment Breakdown / ID Theft / Cyber Liability / Replacement Cost / Matching of Roof or Siding Buy Back / Loss Assessment / Special Perils Coverage

Yes

Please check all that you are interested to learn more about

Flood

Sewer Backup

Service Line

Equipment Breakdown

ID Theft

Cyber Liability

Replacement Cost

Matching of Roof or Siding Buy Back

Loss Assessment

Special Perils Coverage

Earthquake

Your exposure to a liability loss may exceed your policy limits even if you already have an umbrella policy. Additional limits of liability may be available. Would you like more information on obtaining higher liability limits?(Required)

Yes

Would you like us to contact you to review your current insurance program?(Required)

Yes

We offer a variety of other types of insurance. Please check any other types that you are interested to learn more about.

Life Insurance

Health Insurance

Umbrella Insurance

Business Insurance

Long Term Care Insurance

Disability Insurance

Recreational Vehicle Insurance

Other

What other types of insurance would you like to learn more about?

What is your preferred contact email address?

We will only use this to communicate with you regarding your insurance and will never sell or share your email address with anyone.

Enter Email Confirm Email

What is your preferred contact phone number?

What is your home address?(Required)

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code

Questions

If you have any questions or need assistance, feel free to contact us at: • Phone: 952-893-9218 • Email: [email protected] Thank you for allowing Corporate Four Insurance to serve your insurance needs.

Insurance Review Disclaimer

We understand that it's not feasible to insure against every conceivable loss. Our objective is to offer you an economically viable insurance program that safeguards against the most common or severe risks to your financial security, as highlighted in this survey.

By submitting this form, you are not signing up for marketing, promotional, or otherwise unsolicited SMS. Corporate Four Insurance Agency reserves the right to reply to any SMS initiated by you for the duration of the topic raised. Please see our Privacy Policy for more details.

Important Notice - Evolving Insurance Landscape in Minnesota

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