INDIANA SECTION 45
MISCELLANEOUS GUIDELINES
RULE 45.4
06-16-2021
ACFIC - HOMEOWNERS
________________________________________________________________
Homeowners (H03, H05 & H08) Inspections
All required interior and exterior inspections and photos (see exceptions below) must be completed
through a virtual inspection prior to binding coverage. The policy must not be uploaded/submitted
prior to the completion of the inspection. In the event there is a delay in binding the new business
policy, completed inspections are valid for 90 days from the date the inspection is completed. If the
original inspection completion date is more than 30 days old and a new loss occurred, a new home
inspection is required. This applies whether the insured advises us of the loss or whether the loss
shows on CLUE.
APPRAISALS – A home purchase appraisal may be submitted in lieu of a required inspection.
Acceptable appraisals must have been completed during the purchase of the home (within 180 days of
the policy binding/witness date), and all pages of the appraisal must be submitted, including full interior
and exterior photos of the home. Home inspections reports are not acceptable.
REALTOR PHOTOS – Realtor photos may be submitted in lieu of a required inspection. Realtor
photos can be used if enough photos of the residence are available through a realtor website (such as
realtor.com) to satisfy all inspection criteria, and the listing/photos are not older than 180 days. If an
inspection has been completed, photos from a realtor website cannot be used to resolve issues
discovered in the inspection. Photos need to be uploaded to the insurance system. Realtor photos
cannot be used in lieu of an inspection if:
There are prior losses at the risk address
The home was built prior to 1950
The home appraisal does not contain all required exterior and interior photos (see
photos requirement chart)
EXCEPTIONS to homeowner inspection requirements are as follows:
INSPECTION WAIVED
A. Homeowners (H03, HO5 & H08) policies insuring homes 30 years old or newer (Age of home =
Current year minus year built) do not require an interior or exterior inspection if all of the
following criteria are met:
1. There are no prior losses;
2. The home is not considered “High Value” (High value homes are defined as dwellings
that have a Coverage A Value of $750,000 or more.);
3. Not in protection class 9
4. The home is not under construction
B. If the dwelling has been continuously insured by Auto Club Family Insurance Company is being
rewritten for an existing insured within three (3) years of the original binding date, an interior and
exterior inspection and photos are not required.
IN
SPECTION OF DWELLING/REQUIRED PHOTOS
INDIANA SECTION 45
MISCELLANEOUS GUIDELINES
RULE 45.4
06-16-2021
ACFIC - HOMEOWNERS
________________________________________________________________
Premier Renters (H04) Premier Condominium (H06) Policies
Photographs are not required with Premier Renters or Premier Condominium applications unless
requested by Underwriting.
Inspection / Photo Requirements
Exterior
A minimum of 6 photos must be taken.
o 1 photo of the front of the dwelling.
The front dwelling photo should include roof condition,
elevation, landscaping, bushes and vegetation close
to the dwelling.
o 1 photo of each side of the dwelling, showing the entire side
(2 photos at a minimum).
o 1 photo of the rear of the home.
The photo of the rear of the home should be taken
looking towards the home from the yard, showing
condition of the roof, balconies, decks, landscaping,
bushes and vegetation.
o 1 photo of the rear yard.
The photo of the rear yard should be taken looking
away from the home, into the yard, showing condition
of all detached structures, swimming pools, spas,
gazebos, trampolines, fences, surrounding vegetation
and other liability exposures.
Interior
Post 1950 (1950
and newer)
Photos of each bathroom revealing the entire bathroom, including
cabinetry, and the condition of the entire floor area, including the
area surrounding the shower/bath and toilet area.
A minimum of two photos of the kitchen from different angles
showing the level of upgrades are required.
Interior
Pre-1950
Photos of each bathroom revealing the entire bathroom, including
cabinetry, and the condition of the entire floor area, including the
area surrounding the shower/bath and toilet area.
A minimum of two photos of the kitchen from different angles
showing the level of upgrades are required.
Circuit Breaker Box
INDIANA SECTION 45
MISCELLANEOUS GUIDELINES
RULE 45.4
06-16-2021
ACFIC - HOMEOWNERS
________________________________________________________________
Additional Photo Requirements
Residence located on or adjacent to a:
Mountainside, hillside, cliff, bluff
Landfill, lake front, riverfront, or river
bank
One photo showing how the residence is
positioned with respect to the slope and/or
other exposures
Residence has a pier and beam foundation Photos showing that the dwelling’s foundation
is completely enclosed.
Wood Burning Stove(s)
Photo(s) of the stove showing clearance
Protection Class 9 Photos will be required from the road that
show the width of the paved road and the
driveway
Under Construction
Photos showing construction is complete
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