This manual outlines the complete, mapped, modular policy‑review process used by Freeney Claims. Consultants must follow each step exactly. No promises, no coverage determinations, no legal advice. You identify gaps, clarify coverage, and document findings neutrally.

• Confirm policy type: HO3, HO5, DP3, Commercial, Auto, etc.
• Verify effective dates: Start date, end date, lapses, reinstatements.
• Document major coverages:
  • Coverage A — Dwelling
  • Coverage B — Other Structures
  • Coverage C — Personal Property
  • Coverage D — Loss of Use
  • Liability & Medical Payments
• Record all deductibles:
  • All‑Perils
  • Wind/Hail
  • Hurricane
  • Named Storm
• Identify endorsements:
  • Ordinance & Law
  • Water Backup
  • Screened Enclosure
  • Roof Surfacing
  • Special Personal Property
  Note what is included and what is missing.
• List exclusions:
  • Wear & Tear
  • Neglect
  • Surface Water
  • Settling / Cracking
  • Mechanical Breakdown
  Document exactly what the policy states.
• Document client concerns: Confusion, disputes, unclear language.
• Maintain professional conduct: No promises, no legal interpretations, no coverage guarantees.

Identify gaps between the client’s needs and the policy’s actual coverage. Examples:

• Roof surfaces excluded
• No water backup endorsement
• Low Coverage A relative to home value
• High wind/hail deductible

• Policy PDF
• Declarations page
• Endorsement list
• Client notes
• Any prior claim history

Summarize coverage strengths, weaknesses, gaps, and recommendations. Provide neutral, factual guidance only.

Thank the client. Inform them the office will review the policy and follow up within 48 hours. Submit all notes and documents before leaving.