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Last Post 09/03/2010 8:37 PM by  racerx
State Farm Certification
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jdacree
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Posts:161


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08/06/2010 9:18 AM
    I just took my State Farm Cert, sponsered by Renfroes, in Ft Worth 2 weeks ago.  This class, according to the Renfroes instructors, was the first use of the REVISED IDL, and test.  The first testing on policy yielded a fail rate of 50%+.  Part of the problem was that the test contained a number of "tree" coverage questions that were not covered in enough detail during the IDL, and required utilizing about 1/3 of the training time the next day to clarify.  Another area that was heavily looked at in the test was in the endorsement coverage, again that could have used a little more depth of explanation in the IDL.
     
    The estimatics portion of the test also had a high 1st test fail rate.  One of the trip points in this test was questions about estimating cedar/wood roofs, which was not covered in the IDL or study material at all.  One of the areas that I had expected, which was not on the test, was in the names used in construction.  I had heard that you had to be pretty good about using the proper construction terms on this test.
     
    A third problem, for me, was that I had completed ALL of my CE's the week before and had the CE coverage names and amounts confused with the SF coverage names and amouts, along with the fact that I had taken all of my class notes on a big chief tablet, which I could not have on the table during the test.
     
    I passed the estimatics on the first test and did pass the policy on the second test.  For the policy test  I had transferred all of my notes to the sample policy so that they were availiable during testing.
     
    In summary, if you are going to be taking the SF Cert, take your notes on the face of the sample policy.  One way to help there is to take your sample policy and copy it at 75% size.  This will give you LOTS of margin for note taking.  What I actually did for my sample policy was to cut and paste it into a Word document, then went in and double spaced the document, AND left 5 spaces between each section number for notes.  Then take that same (modified) policy and sticky note it by coverage area for faster reference back to a particular section,  The tests are limited by time and more than a few people had not finished the test when time was called.
    Jim Acree Stupidity is the art of not trying to learn Ignorance is the lack of opportunity to learn I am ignorant
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    Ray Hall
    Senior Member
    Senior Member
    Posts:2443


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    08/07/2010 6:54 PM
    Well I have been good the last few days and not thrown any bombs. But we have talked a lot about coverage on the HO-3.
    Question: Pleae point out the page # that has the.... building over water exclusion on any of the ISO, State Farm, Allstate, Nationwide, Liberty Mutual, AMICA, CNA, Travelers, Hartford, USAA or any carrier you may work for. I know buildings wholly  or partial over water are excluded, and I always turn down these claims, but when I do this someone wants to know what page its on.
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    jdacree
    Member
    Member
    Posts:161


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    08/08/2010 9:00 AM
    Ray, on the SF policy FP7955 there is no definite statement about buildings over water BUT , Page 3, Coverage A dwelling, 2. Dwelling Extension, We do not cover other structures,

    a. not permanently attached to or otherwise forming a part of the realty.

    An interpertation would be structures built on pilings located in the water are not part of the realty. To further the interpertation any part of a structure that is wholly over realty (land) would have coverage. A piling that is cantelivered from land on which a structure is built WOULD have coverage.

    Same policy page 6 11. Collapse final paragraph states, Loss to an awning, fence, patio, pavement ... retaining wall, bulkhead, pier, wharf, or dock, is not included.... unless the loss is the direct and immediate cause of the colapse of the building.

    An interpertation would be that if a building which is on land collapsed and fell onto a structure over water and and that structure were damaged it would have coverage.
    Jim Acree Stupidity is the art of not trying to learn Ignorance is the lack of opportunity to learn I am ignorant
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    Ray Hall
    Senior Member
    Senior Member
    Posts:2443


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    08/08/2010 4:42 PM
    Jim you are incorrect, but my correct answer has been deleated 3 yimes while I was posting it. I will keep my post on Claims mentor. Goodby as this has happened many times in the last few months.
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    racerx
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    Posts:3


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    09/03/2010 8:37 PM
    I wish I had taken my tests thru Renfroe. Eberls wouldn't let you use any notes. Passed both tests the first time but I didn't sleep much for three days studying. Thanks for the info about the pilings though, good to know.
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