A mortgagee clause, also known as a mortgage clause, loss payable clause or lenders loss payable endorsement, is a contract between the buyer, the financing bank and the property insurer, according to the International R... More »

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HO3 insurance coverage insures an owner-occupied home, private structures related to it, personal property on and off the premises, and loss of use, according to the International Risk Management Institute. The policy al... More »

The Insurance Services Office uses property protection classes are numeric scores that range from 1 to 10 to rank the fire protection in the areas of fire department quality, water supply system, and fire alarm and commu... More »

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A DE underwriter is a mortgage underwriter who has a direct endorsement certification from the Department of Housing and Urban Development. A DE underwriter can both underwrite and approve loans insured by the Federal Ho... More »

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Cornell University Law School's Legal Information Institute explains that the Supremacy Clause is a provision in the U.S. Constitution that makes federal law override state law when there is a conflict between the two. H... More »

Free examples of letters of request include request for a change in a contract, request for confirmation, request for an endorsement and request for employment reference. As of January 2016, Resumizer.com has six free te... More »

Medical loss ratio is a percentage of the insurance premium that an insurer spends on claims and expenses throughout the fiscal year, states Cigna. This ratio is the amount of money that insurers spend to improve health ... More »

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