Paradox Insurance

Logging Into Travelers

1. Navigate to the Travelers For Agents portal and log in.
2. Search for the insured by name.
3. Open the insured file — select Account List from the left-side menu.
4. On the Billing Homepage, "Bill Due" will display in the center of the screen. Click into the Billing Homepage.

Agent Sweep Payment

1. Check account status in AMS360 under Billing Homepage.
2. Confirm due date and amount due.
3. Select Sweep Payment from the left-side menu.
4. Key in the amount to be paid and click Submit.
5. A success message will appear in the Travelers portal — screenshot this.

AMS360 Service Ticket

1. Create a Service Request in AMS360: Type = Payment, include policy type, amount, and attach receipt. Mark status In Progress.
2. After payment and service ticket are complete, create a task for the policy.
3. Assign task to producer — task type: Reconcile Payment from INS. Due date = date payment was completed.
4. Move service ticket to Completed Status once reconciliation task is added.

Steps

1. Open account → verify policy/payment status (e.g., Non-Pay Cancel).
2. Select Make a Payment.
3. Enter payment date and amount received.
4. Mark payment method: Cash or Check.
5. Submit → print/save receipt.
6. Log activity in AMS360 under Non-Pay Cancel or general billing. Attach receipt and add note for accounting.
7. Assign reconciliation task and mark service ticket complete.

Reference Example

Jimmy Hyatt (Progressive – Express Money Transfer) is documented as a reference case for this workflow.

Overview

Guides producers through quoting and issuing a Travelers HO-3 policy via the Travelers For Agents portal. Used for new business and when bridging from PLrater. This SOP is portal-only — no AMS360 data entry required during quoting.

Document Naming Convention

Example: 26_27 Smith Jane [HO] (TRAVELERS) QUOTE

Use UNKNOWN for any field that cannot be identified — flag for review. If a policy is issued and a declarations page obtained, file separately with DOCTYPE DEC or POLICY.

Step 1 — Log In & Customer Search

1. Log in to the Travelers For Agents portal.
2. Navigate to Quote & Issue.
3. Enter the insured's Last Name and State. Add ZIP for common last names.
4. Click Search. If no record found, click Add Customer.

Step 2 — Account Details

Enter all required customer info: First & Last Name, Home/Mobile Phone, Email (confirm), Date of Birth, SSN (if available), Residence and Mailing Address, Second Named Insured (if applicable — must be on the deed). Click Continue.

Step 3 — About Policy

1. Confirm First Named Insured details.
2. Add Second Named Insured if applicable.
3. Select Policy Type — default is HO-3.
4. Confirm Policy Effective Date.
5. Enter Agent Code.
6. Check applicable Travelers Companion Policies for multi-policy discount.
7. Confirm Insured Location. Click Continue.

Step 4 — Order Reports

Reports to order: Insurance Score, Property Characteristics Report, Property Loss History.

1. Verify insured's name, DOB, and address.
2. Confirm whether customer has lived at a different address in the past 6 months.
3. Check "I affirm that I have reviewed this information with the customer."

Step 5 — Underwriting / Eligibility Questions

Step 6 — Insurance History & Protective Devices

1. Enter current insurance carrier.
2. Select applicable protective device discounts: Theft (Burglar Alarm — Local, Smart, or Central), Fire (Fire Alarm, Sprinkler, Smoke Detector), Water (Water Sensor, Auto Water Shutoff, Low Temp Sensor).

Step 7 — Residence / Home Characteristics

Home Info: Year Built, Number of Families (up to 4 units), Residence Type (Primary/Secondary/Seasonal), Swimming Pool (Y/N — note safety requirements), Primary Heat Source (required: oil, gas, or electric), Wood/Coal/Pellet Stove (must be professionally installed & UL listed).

Structure: Square Footage, Building Construction Type, Siding Type, Primary Foundation Type, Number of Bathrooms (include half baths), Garage Type (use View button), Number of Stories (do not round up).

Roof: Roof Shape & Type (use View button), Year Roofing Replaced (last time >50% replaced), Hail Resistant Roof (Y/N), Number of Solar Panels (check aerial imagery if unsure).

Mortgages: Number of Mortgages (enter 0 if none — improves rate), mortgage company details, Additional Insured/Interest (only if they have ownership interest).

Step 8 — Replacement Cost Estimator

1. Select Calculate Estimate as the Replacement Cost Calculation Method.
2. Enter bathroom and kitchen details by grade: Builder's Grade, Semi-Custom, Custom, or Designer.
3. Enter attached structures (decks, porches).
4. Indicate Central Air, Fireplaces, Sliding Glass Doors, etc.
5. For homes built before 1940, select replacement method: Standard Materials, Vintage Materials, or Combination (most common).

Step 9 — Losses Screen

1. Review any prior losses pulled from reports.
2. Add any missing losses manually in the Admitted Property Losses section.

Step 10 — Coverage Selection

Base Coverage Level: Travelers Protect / Travelers Protect Plus / Travelers Protect Premier.

Supplemental Packages: Decreasing Deductible & Loss Forgiveness Package, Roof and Siding Matching Package.

Adjust Coverage A–D amounts as needed. Click Rate to calculate premium.

Step 11 — Quote Completion & Presentation

1. Review quoted premium and applied discounts.
2. Consider additional options: Buried Utility Lines & Equipment Breakdown Package, Valuable Items Plus.
3. Select Payment Method and Payment Schedule: EFT Installment, EFT Paid in Full, or Mortgagee Bill.
4. Send Digital Quote Proposal via email/SMS or click Create Documents for a visual coverage summary.

Step 12 — Issue Policy

1. Click Continue to proceed to Pay & Issue.
2. Complete billing and down payment information.
3. Enter/confirm customer email and mobile number for My Travelers enrollment.
4. Click Submit to issue.
5. Record the policy number and confirm payment details.

Step 13 — Document Filing

1. Download the quote/policy PDF from the Travelers portal.
2. Rename the file using the agency naming convention: YY_YY {InsuredName} [HO] (TRAVELERS) QUOTE
3. Attach the renamed PDF to the client's lead card in AgencyZoom.
4. Store the renamed PDF in AMS360 under the customer file.
5. Use UNKNOWN for any filename field that cannot be confirmed — flag for producer review.

Pre-Submit Checklist

• Customer consent obtained before ordering reports
• Second named insured's insurance score run; better score used as First Named Insured
• All underwriting questions answered — escalations noted if triggered
• Central monitoring discount only applied if proof is on file at issuance
• Number of mortgages entered as 0 if no mortgage exists
• Stories field not rounded up
• Roof replacement year reflects last time >50% was replaced
• Prior losses reviewed and any missing losses manually added
• Coverage package at minimum meets Additional Coverage Package standard
• Bill by Mail not selected as payment method
• Policy number recorded after issuance
• PDF downloaded, renamed per convention, and filed in AgencyZoom and AMS360

Eligibility & Regulatory Notes

• Home must be owner-occupied — renter-occupied properties are not eligible.
• Home must be within 7 road miles of a responding fire department.
• Properties in designated flood zones require separate flood insurance before or concurrent with HO issuance.
• Restricted dog breeds render the account ineligible regardless of bite history.
• Short-term rental activity requires the Home Sharing Endorsement — failure to add may result in a coverage gap.
• Wood/coal/pellet stoves must be professionally installed and UL listed — document this at intake.
• If a certificate holder or lender requests language outside what the policy provides, escalate to the producer or carrier underwriting.
• Always verify state-specific eligibility rules before binding.

Step 1 — Emergency Survival Checklist

• Identify emergency shelters and evacuation routes in your area
• Keep a list of important contacts (emergency services, family, neighbors)
• Have a battery-powered, solar, or hand-cranked NOAA weather radio
• Multiple flashlights and extra batteries or fully charged battery packs
• Stock non-perishable food items that can last several days
• Store one gallon of water per person per day for at least 3 days
• First aid kit, personal hygiene items, extra clothing and blankets
• Store cash, important documents, and spare keys in a waterproof container (include: ID, insurance documents, wills, vehicle registrations, inventory of possessions)
• Keep necessary medications and prescriptions
• Fill propane tanks, gas tanks in vehicles; fill coolers with ice
• Pack a minimum 3-day supply of pet food and medications

Step 2 — Inventory of Possessions

• Document belongings by taking photos or videos of each item — focus on high-value items (electronics, appliances, furniture)
• Record make, model, and serial numbers
• Keep receipts and invoices for major purchases
• Store inventory in a secure, easily accessible location (cloud storage or fireproof safe)

Step 3 — Emergency Evacuation Plan

• Familiarize yourself with evacuation routes and identify multiple escape routes
• Establish a meeting point outside the impacted area
• Distribute contact names, meeting place, and phone numbers to family members
• Assign responsibilities (packing essential items, caring for pets)
• Create a communication plan for during an evacuation
• Account for needs of family members with disabilities, elderly, children, or pets
• Practice your evacuation plan regularly

Bonus Tip: Making an Insurance Claim After a Disaster

• Contact your local insurance agent or insurer as soon as possible to report damages
• Document damages with photos or videos and provide a detailed list of affected items
• Keep receipts and invoices for repairs, replacements, and temporary living expenses
• Maintain open communication with your agent and promptly provide requested documentation