Frequently Asked Questions
Completing the Application
Do I need to be licensed with Ohio FAIR Plan (OFP)?
No agent can be licensed with OFP. However, any Ohio-licensed property
and casualty agent can submit business to the Ohio FAIR Plan. As an
agent, you are obligated to assist property owners apply for coverage.
Non-resident agents must also assist property individuals needing OFP
to apply for coverage, but will receive no commission for doing so unless
they have a resident agent who has assisted the individual.
Resident agents will be paid commission of 10% on commercial policies
and 12% on residential policies.
Does OFP offer any training or continuing education opportunities for agents
regarding the FAIR Plan?
OFP has approval from the Department of Insurance for a 3-hour CEU seminar
and a 4-hour CEU seminar. During these seminars, attendees will learn about
the FAIR Plan products, underwriting criteria for each product, procedures
for writing business through the FAIR Plan, etc.
Click here for more information about
OFP seminars. OFP can also provide a speaker/instructor for your meetings.
These presentations can be as brief as 1 1/2 hours with no CEUs or for 3 or 4
hours with CEUs for agents.
Click here for further information about
such educational opportunities.
Can I bind coverage?
Only a FAIR Plan underwriter approves applications for binder issuance.
Since agents assisting property owners to apply for coverage through OFP
are not FAIR Plan agents, no agent has binding authority. The agent serves
as an agent for the applicant.
When is coverage bound?
The FAIR Plan underwriter can bind coverage as early as the day following
OFP's receipt of the fully completed application, appropriate binder deposit
premium, and photos of all structures sought to be insured. The binding of
coverage will occur if the FAIR Plan underwriter determines the property
to be eligible for binder coverage.
How can I submit payment with the application?
You will be asked to choose the method of payment near the end of the
To mail in a payment, select the “print coupon and mail payment” option.
After the application is submitted, the coupon will be emailed to you. You
can then mail a check or money order and coupon to our office.
If you would like to submit payment electronically, select the "pay on-line
when the application is submitted" option. You will be redirected to a bank
website after submitting the application. You will need to enter your agency
bank account information and your online payment password. After you submit
the information and receive confirmation of payment, you will be transferred
back to OFP’s website. The confirmation will also be emailed to you.
How do I get a quote?
OFP's web site provides the ability to get an estimated online quote for
Homeowners and Dwelling Fire coverage. You may get a more definite quote
by completing an application and selecting the “Submit only as quote” option.
We will inspect the property and, if the property is eligible for coverage,
a premium quotation will be mailed to all interested parties, including the
agent. The quoted premium must be paid within 40 days. Coverage would be
effective the day following OFP's receipt of the premium.
When is the inspection done?
Properties are typically inspected within 30 days of the binder issuance.
When OFP receives the inspection report, an underwriter will determine
appropriate action. Documents indicating that action will be mailed
generally within 3-4 days of the underwriter's processing of the
inspection. Typically notice of final eligibility (or non-eligibility)
will be mailed within 45-60 days of OFP's receipt of a completed application.
Do you offer condo policies (HO 06) or rental policies (HO 04)?
We offer coverage on condominiums and for renters. We do not write either
HO-00 06 (unit-owners form) or HO-00 04 (contents broad form), but provide
the coverage under a DP-00 01. This coverage form provides basic coverage
for fire and lightning, windstorm, hail, aircraft damage, riot, vehicle
damage, explosion, smoke damage, and vandalism and malicious mischief.
Theft coverage is not a part of the DP-00 01 coverage.
Do you offer coverage on vacant properties?
The only vacant property insurable by OFP is one that is under extensive,
formal renovation, and that coverage must be written under our
Do you schedule personal property? Is personal property covered at replacement
cost? How much personal property coverage can be purchased?
We offer coverage for unscheduled personal property on an actual cash value
basis. Actual cash value is the replacement cost of the item less depreciation
based on the age of the item.
Under a Homeowners
policy, Unscheduled Personal Property coverage is available at 40 to 60 percent
of the Dwelling Coverage amount, depending on form eligibility (an appropriate
credit or charge will be applied to the policy premium). Some property, such as
jewelry and coins, is subject to special limits of liability which are clarified
within the contract.
Under a Dwelling Fire or
Commercial Property policy, the applicant may select
the desired amount of personal property coverage.
Under a Farm Property policy, Household Personal
Property is limited to 50% of the Dwelling coverage amount; however, some farm
property can be scheduled and covered for the Limit of Insurance shown on the
Do you provide coverage for mobile/manufactured homes?
Yes, we can offer DP-1 coverage for mobile homes and also manufactured homes
that are tied down and affixed to permanent foundation.
When can liability coverage be provided?
We can provide liability coverage for 1- to 4-family dwellings (excluding
farm and commercial properties) that are owner- occupied and also for
renters policies (when the tenant is the named insured). OFP only
offers $100,000 in liability coverage.
Can you set up a policy as escrow bill?
If binder coverage is needed, the initial binder deposit premium must be
submitted with the application and photographs. However, all requested
balances thereafter will be invoiced to all listed parties on the policy.
Make sure that the mortgagee clause is provided on the application.
Can I get a binder/endorsement faxed to me for a loan closing?
Yes. You can request that we fax a copy of the binder in the Agents
Comments section of the application.
If you need an endorsement dec page sent to you, fax your request to
614-823-6084, write “rush” on the fax, and indicate where the dec
page needs to be faxed. Please be aware that we require 48 business
hours to process such requests.
If a property insured through the Ohio FAIR Plan is re-financed, can I
issue an amended declaration reflecting the new mortgagee?
As indicated previously, agents do not serve as agents for the FAIR
Plan. Therefore, any binder or policy changes must be issued by the
FAIR Plan. If the refinancing requires the issuance of an amended
declaration (policy or binder), a written request must be forwarded to
and received by the FAIR Plan. OFP will issue the amendment to the
contract as soon a possible.
The request may be faxed to us at 614-823-6084. As indicated above,
if evidence of coverage is needed for a closing, OFP will need 48
business hours to underwrite the request, make the necessary change,
and fax the evidence.
Does the FAIR Plan have a premium payment plan?
Yes, OFP offers a premium payment plan for Homeowners and Dwelling
Fire policies that need to remain with OFP a second year and thereafter
as long as there is no interruption in coverage. If a policy cancels for
non-payment, the payment plan may not be offered in the future. For
more information, refer to OFP bulletins
What is OFP's "Best" rating? Some lenders/mortgage companies insist
upon an "A-rated" company.
OFP is not listed in the Best Rating. OFP is supported or subsidized by
approximately 800 property insurers doing business in the state of Ohio.
All insurers are members of OFP, must remain members of OFP as a condition
of writing insurance in Ohio, and must "participate in the writings,
expenses, profits, and losses of the association." Those insurers are then
statutory "reinsurers" of OFP and OFP's Best Rating would be as good as
the top-rated insurer(s) in Ohio.
Can multiple staff members in an agency use the same website login ID and
No. Each licensed staff member needs to request his or her own login ID and
How soon can I submit an application after receiving my login ID and passwords?
Applications may be submitted immediately after receiving your login ID and
passwords; however, you must wait to submit an electronic binder deposit
until the next business day.
What do I do if I forget my passwords?
You will receive two passwords – one to access policy information and one to
submit binder premium deposits.
If you have forgotten the password you use to access Agent Online Services,
click on the Forgot your password? link, and OFP will reset your password and
email it to the email address associated with your record.
If you have forgotten your online payment password, log into Agent Online Services,
enter your login or name ID to view your data, click on Update Profile, enter your
new online payment password, and submit the change. This payment password will be
effective the following business day.
I'm unsure if I have requested a login ID and passwords. How do I find out?
If you can’t recall if you’ve already requested a login, simply try your e-mail
address on the Forgot your password? page. If you’ve registered with us, a
new password will be e-mailed to you.
What is the online payment process?
If you wish to submit the binder deposit premium electronically, you must use your
agency checking account. Once you finish entering the application information
and click "Submit" you will be redirected to a bank website to complete the payment
transaction. You will be asked to enter your agency bank account information
(applicants' accounts cannot be used for binder deposit premium payments) and
complete all required fields including your online payment password.
Payments ranging from $250 to $2500 can be submitted electronically. To make
payments on open invoices for existing business, please refer to
I left my computer idle and I received an error when
trying to submit a binder deposit. What happened?
After several minutes have lapsed with no computer activity, the connection will
"time out." If this happens, you can return to Agent Online Services, enter your
login or name ID on the Agent Services page to view your data, and find the
application you just submitted under Received Applications Under Review. Then
click the submit binder deposit link to start a new payment session.
What kind of photos do I need and how do I submit them with the electronic
Recent digital photos taken within the last 6 months must be submitted with the
application. The photos must be saved on the computer you are using to submit the
When you reach the Photos section of the application, click Browse to
find your photos. Then double click on the photo you wish to upload and hit Attach.
You will be asked to give the photo a title (front or rear, for example). Follow
the same process to attach additional photos. Please be advised that your photos
cannot exceed a certain file size; photos over 4 megabytes will need to be resized
in order to be attached. If you are unfamiliar with how to make your photos smaller,
please call our office for assistance.
My agency stored photos in a shared database. Can I attach these photos to the
As long as you have access to the actual photo (not a webpage displaying the photo
or a shortcut to the photo), you should be able to attach them to our electronic
Can I print the electronic application and mail it with printed photos?
No. We cannot accept a printed copy of the electronic application. The electronic
application must be submitted with current digital photos of the property to be
Where can I enter additional information about an application submission?
When you are working on the application, you will see an Agent Comments link on
the left side of each page. If you click on this link, you will be able to enter
additional information. For instance, if you ran out of room answering a question,
you can enter the info here. Or, if the client needs proof of coverage faxed to a
mortgage company, Agents Comments is an ideal way to communicate this information to
us. The information you enter will be visible not only on the application once it is
submitted, but also in the system we use for processing applications and policies.
How do the applicant and I sign the application?
Instead of actual signatures, the applicant will warrant the application with the last
four digits of his or her Social Security Number. The submitting agent or customer
service staff will warrant the application with his or her Ohio Department of Insurance
license number (not the National Producer Number). If you are unsure what your ODI
license number is, go to the Ohio Department of Insurance website,
or call ODI at 614-644-2658.
How do I print a copy of the application for my records?
A copy of the application is immediately sent as an attachment to the email address
you have provided in your profile. If you open the attachment, you can print a copy
of the application.
How do I print a copy of the payment coupon?
A copy of the payment coupon and the application are immediately sent to the email
address you have provided in your profile. If you open the attachment, you can print
a copy of the coupon.
How do I save an application and finish it later?
Your application is saved each time you go to another page. There is not a "save"
button for this process, but if you click Next (at the bottom of the page you are
currently working on), the application will automatically save. To retrieve it,
simply log in to Agent Online Services and click Submit New Application. Please
note that an unfinished application will be deleted from our system after 30 days
from the time it was originally started.
How do I view the status of a policy and view documents associated with it?
Log in to Agent Online Services. Under the heading Last 12 Months of Activity,
enter search criteria to locate the binder or policy you need to view. If you click on
the file number, you will see the status of and the basic information for the particular
file. You can also click on the link at the left side of the page to
View Policy Documents associated with the file.
How soon can I see the status of a binder or policy?
Once a binder, policy, or any other coverage change has been issued, the status will
update in real time; however, policy documents will not be available until the day
following the coverage issuance or change.