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Insurance Licenses and Disclosures:
 
Life, health, property, and casualty insurance licenses are held in all states except AK and HI. These residents are serviced through licensed affiliates and not by Chase Carmen Hunter, Chase Financial Services**, or www.ChaseAgency.com. Click here to view state licenses.
 
Required state disclosures:
 
NV is exclusively serviced by Chase Hunter, agent;
WA is exclusively serviced by Chase Hunter, agent;
CA license #0E02352, Chase Carmen Hunter, 4 Peace Pipe Lane, Fredericksburg, VA 22401
 
** Chase Financial Services Since 1993 is a trade name used by Chase Carmen Hunter in CO, MD, NJ, TX & VA only.
 
Other miscellaneous disclosures:
 
 

 
++ Builder's risk/Course of construction insurance covers ONLY your property in most cases; no liability coverage is included unless specifically requested. You must meet underwriting guidelines for immediate coverage. Once you submit your application, you will be immediately advised of whether or not you qualify for immediate coverage. We have no maximum insurance limit. Property located on barrier islands may be be referred to its wind and hail insurance policy for wind and hail damage claims if a wind and hail policy was purchased. "Wind and hail" damage includes hurricanes, tornadoes, twisters, wind, and hail. The states that provide wind and hail pools are Florida, Georgia, Mississippi, North Carolina, South Carolina and Texas. Coverage on property located within 1,000 feet of tidal water or on a barrier island cannot be written using our instant-issue insurance policy unless you are eligible for wind and hail coverage with your state's wind pool. Otherwise, properties not eligible for wind and hail coverage with the state's wind pool will take three (3) days to three (3) weeks to underwrite. Coverage will be limited to the original policy period even if your construction project is finished early.
 
Builder's risk/course of construction policy premiums are typically not refundable for any reason. So, if you buy this insurance only to qualify for a loan, you don't yet have permits when you make your purchase, and/or your project never begins for some reason (You didn't qualify for the loan, permits denied, etc); you will not get a refund. However, builder's risk premiums are sometimes partially refundable when the construction project finishes early. You will be advised whether or not your policy is non-refundable (This is called "fully earned" in the insurance industry.) or partially refundable. All applicants, payors, and/or representatives who submit an application or remit payment for an application for this insurance coverage will be responsible for all collection costs, including but not limited to attorney's fees and costs, in the event that any payment is denied by the issuing bank, credit card issuer, and/or any other credit issuer used to fund the payment of the premium. Uncollectable amounts incur an interest rate of 18% annually. Any applicant, payor, or representative or any representative tied to the mortgage lending, construction loan lending, or construction profession who makes application or remits payment under any false pretenses or who directs anyone else to make application and/or remit payment for this coverage under false pretenses of any kind will be reported to their state's regulators and will be held responsible for all damages, including but not limited to attorney's fees and costs and interest fees of 18% annually on any uncollected amounts, suffered as a result of their actions.
 
If your project is not yet complete before the original policy period, your policy may be renewed. Some insurance companies may not offer a renewal in some cases or may renew for only three or six months or may renew for no less than 12 months at a time. You will be advised of your renewal options before you make your final builder's risk/course of construction purchase. However, renewal options cannot be determined for certain until 30 days before the renewal date.
 
Theft of construction materials is not excluded in 98% of the policies that are issued. You will be advised if theft is excluded before making your final purchase.
Sample policies are not provided. Preliminary information can be provided about your potential insurance policy coverage during the quote process, but detailed information can be provided only AFTER a properly-completed application has been submitted and reviewed by an underwriter.
 

 
Terrorism Coverage: If terrorism coverage is not automatically included with the policy to which this quote applies, you are hereby notified that under the Terrorism Risk Insurance Act of 2002 ("The Act"), you have a right to purchase insurance coverage for losses arising out of acts of terrorism, as defined in Section 102(1) of The Act: The term "act of terrorism" means any act that is certified by the Secretary of the Treasury, in concurrence with the Secretary of State, and the Attorney General of the United States - to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property; or infrastructure; to have resulted in damage with the United States, or outside the United States in the case of an air carrier or vessel or the premises of a United States mission; and to have been committed by an individual or individuals acting on behalf of any foreign person or foreign interest, as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. You should know that coverage provided by the policy offered in this quote for losses caused by acts of terrorism, as defined in The Act, is partially reimbursed by the United States under a formula established by The Act. Under this formula, the United States pays 90% of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. The premium for this coverage is 2% of the developed premium or $100.00 whichever is greater except in the state of Florida where the premium is 1% of the developed premium and no minimum applies, except in the state of Georgia where the premium is 1 1/2% of the developed premium and no minimum applies, and except in the state of Washington where the premium is 2% of the developed premium and no minimum applies. The premium charged for this coverage does not include any charges for the portion of the loss covered by the Federal government under The Act.
 

 
Insurance Fraud: ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR ANOTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM CONTAINING ANY MATERIALLY FALSE INFORMATION OR CONCEALS FOR THE PURPOSE OF MISLEADING INFORMATION CONCERNING ANY FACT MATERIAL THERTO, COMMITS A FRAUDULENT INSURANCE ACT WHICH IS A CRIME AND SUBJECTS THE PERSON TO CRIMINAL AND CIVIL PENALTIES (IN NY: SUBSTANTIAL CIVIL PENALTIES). Not applicable in CO, HI, NE, OH, OK, OR or VT. In DC, LA, ME, TN, and VA: insurance benefits may also be denied.
 

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Chase Carmen Hunter, www.ChaseAgency.com, and Chase Financial Services Since 1993 offer services to residents of any country in the world including the following states of the United States of America: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Not all products are available in all states.