Agenda Packets - 1984/10/22 - Laserfiche WebLink

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public Awareness in addition to the city's inherent capabilities, the degree of success the city will have in improving loss experience will be directly attributable to public awareness and cooperation. It is best, therefore, that the city take an active and energetic role in promoting its hnntn safely program to its citizens Nevertheless, some citizens may be reluctant to invite city personnel into their homes out of fear of authority or of the possibility of code enforcement action. To allay these concerns, booklets will be made available to citizens who inquire about the CHIP. The booklets describe the analysis procedure and content through a Self -instructing guide covering the elements the city will review. Subject areas are listed in Table 1. Citizen Participation Citizen participation in the home safety and security analysis program is entirely voluntary. The city must, however, provide the service on request to any resident, whether or not there is any intent to apply for CHIP insurance. The benefits of CHIP are designed to encourage residonts to make their (tomes safer and more secure, and thus becoming better insurance risks. The Analysis Report Having completed the city's home safety and security analysis. the homeowner may release his copy of the signed city report to the CHIP agent. The analysis report will be prima facie evidence of the insurability of the dwelling. The report may also be obtained from the city upon written authorization to release by the `— homeowner. It should be noted that the report may bit released to anyone the homeowner chooses. Scheduling Requirements The city's increased home safety program workload, created by active citizen interest in CHIP, will probably be quite manageable simply because virtually all of the citizens who may be interested in the program are already insured. Policy expiration dates will be spread throughout the year such that the demand for home safety reviews will also be spread throughout the year; anticipating the expiration of the present policy by about 90 days in most cases. Experience indicates, however that there will be a heavy demand for home i visits during the first few weeks following announcement of CHIP within the community. If it is not possible for the city to schedule a home visit in advance of policy expiration, the CHIP insurance carrier will bind insurance temporarily to give the city time to adjust schedules. Re -Analysis of Insured Occupacies Annual inspection of CHIP policyholder's homes is not required by the CHIP carriers, but may be recom- mended by the city if desired. Periodic review of home safety and security provisions with the homeowners is desirable, however, if for no other reason than to maintain awareness at a high level and to help ascertain that no unusual hazards have cropped up since the last visit. The CHIP insurance carriers suggest a review every three years. The CHIP carrier may also inform it policyholder that an updated report is required prior to policy renewal if there is indication that losses are excessive or unusual.