Hours 3

FLA-Loss Mitigation and Ethics

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Lessons

FLA-Loss Mitigation and Ethics Chapter 2

Wind Resistive Features This Section explores the various wind-resistive features of a home. The more knowledgeable a producer is about such features, the better equipped the producer will be to…

FLA-Loss Mitigation and Ethics Chapter 3

Florida Comprehensive Hurricane Damage Mitigation Program The Florida legislature discontinued funding the Program on June 30, 2009.  Since then, the Department of Financial Services is no longer certifying wind inspectors.…

FLA-Loss Mitigation and Ethics Chapter 4

The Mechanics of the Mitigation Program APPLICATION– An application for an inspection must contain a signed or electronically verified statement made under penalty of perjury that the applicant has submitted…

FLA-Loss Mitigation and Ethics Chapter 5

Principles of Ethics The purpose of this program is to provide the foundation of knowledge and understanding an individual needs to function ethically in his or her role as an…

FLA-Loss Mitigation and Ethics Chapter 6

Ethics as a Legal Force. For some, there is a conflict because ethics deals with the way thinks ought to be—which is not necessarily practical in our society.  These individuals…

FLA-Loss Mitigation and Ethics Chapter 7

Good Intentions Don’t Replace Experience John and Sue were members of the same agency.  John had been with the agency for many years and was experienced in developing employee benefit…

FLA-Loss Mitigation and Ethics Chapter 8

Limitations on Authority Rarely is an agent’s authority to act for a principal unlimited.  In most agency relationships, an agent’s activity is restricted to some extent.  For example, while an…

FLA-Loss Mitigation and Ethics Chapter 9

Avoiding Conflicts of Interest Ethically, an insurance agent who has signed an exclusive contract with his or her insurer cannot serve two principals at the same time.  As a “captive”…

FLA-Loss Mitigation and Ethics Chapter 10

Broker’s Responsibilities to the Insurer The insurance broker represents the buyer of insurance in most parts of the insurance transaction and, therefore, owes all of the duties of an agency…

FLA-Loss Mitigation and Ethics Chapter 11

Service Begins with the Application. In securing coverage for your client, your main responsibility as an agent is to act reasonably under the circumstances.  This means that you must also…

FLA-Loss Mitigation and Ethics Chapter 12

Keeping the Applicant Informed The underwriting process for an insurance application can be time consuming.  Most insurance companies strive to complete the process within a 21-day period, assuming that there…

FLA-Loss Mitigation and Ethics Chapter 13

How to Incorporate Ethical Values in Life: While properly defining professionalism requires accuracy, everyone agrees that a high ethical standard is an integral part of the definition.  What is required…

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