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OREP specializes in placing errors and omissions insurance and
providing valuable benefits to real estate appraisers, home inspectors, real estate agents and brokers, mortgage field service professionals, mortgage brokers, title and others. OREP offers the lowest rates on appraiser's insurance with same day coverage & confirmation (most cases). For instant E&O quotes for appraisers click here.
Frequently Asked Questions
OREP.org/David Brauner Insurance Services
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OREP is in its tenth year of business
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Doing business in 49 states and D.C (not Alaska)
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Senior Broker: David Brauner Calif. Insurance Lic. #0C89873
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Publisher of Working RE
Magazine
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Company
Mission:
Business by the Golden Rule
•
Send
Feedback to Principal:
David Brauner -
dbrauner@orep.org
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Save money, gain
the competitive edge: OREP
Benefits and Discounts
General FAQs
What are OREP's Hours of
Operation?
How do I contact OREP?
How do I submit my application?
Where do I send my application?
What
is the process of obtaining insurance with OREP?
What can I expect after
I submit my application/documents?
What happens once my
documents are in process?
FAQs for New Clients
How do I select the correct application?
How do I sign the Application Digitally?
How do I pay for my insurance?
Can I make payments/finance my premium?
Can I get same-day coverage?
Can I apply for
insurance over the phone?
How can I tell if my application was received?
When will I receive my declarations page?
FAQs for Current Clients
How do I renew my policy? Can I renew
over the phone?
How do I
request a copy of my insurance documents?
How do I
report a Claim/Disciplinary Action?
How do I
increase my current coverage?
How do I add/remove insureds from the policy?
How do I obtain certificates for vendors and others?
How do I cancel my policy?
How do I resolve a financing issue or question?
Why is it so important to renew prior to my expiration date?
What are
my OREP Benefits and discounts?
General FAQs
What are OREP's hours of
operation?
Monday -
Friday; 8am to 5pm
Pacific Standard Time
How do I contact OREP?
Toll Free: (888) 347-5273
Fax: 619-704-0567
Email:
info@orep.org
6760 University Ave., Suite 250, San Diego, Ca. 92115
How do I submit my application?
Most applications have been made interactive, meaning you can type your
information right into the application. If you have Adobe Reader, you will
have to save the application, print it to sign it and then fax or email it
to OREP. If you have Adobe Writer, you can digitally sign the application,
save it to your computer and then email it to OREP.
Where do I send my application?
Individual
Appraiser applications
can be sent to: Fax: 619-704-0793;
appraisers@orep.org
All other applications should be sent to: Fax: 619-704-0567;
info@orep.org
If the above fax numbers do not work, please try
708-570-5786
or 619-269-3884, then call
OREP.
What is the process for obtaining insurance with OREP?
Binding Insurance with OREP/David Brauner Insurance Services
Most applications are “self rating” with premium prices included on
them. Complete the application, select your premium from the rates provided
and submit it to OREP with payment. Financing is available,
click for more
information.
If your application does not have premiums included, please
submit it for quoting. (Please save the completed PDF document to your
computer before emailing or it will arrive blank.)
Important: If you have
current insurance expiring within a day or two, please call OREP so we can
expedite the process.
What to expect when
submitting documents
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If your application is received, a confirmation receipt will be emailed to
you during regular business hours, next day if received after hours. Please
check your spam or junk folder for this receipt, if you do not receive it
within one business day please call OREP to confirm.
• If
your application is incomplete, an agent will contact you immediately during
regular business hours, next day if received after hours.
Once your documents are in
process:
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Applications that require quoting may take two to five business days,
your quote
will be emailed once we receive it from the underwriters.
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Declarations pages and policies
are emailed within two to five business days after binding. Coverage is NOT bound until
a binder/declarations page is issued.
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Confirmation letters for proof of coverage, prior
to issuance of your Binder/Declarations page, are available upon
request to show lenders and others. Send your request to:
info@orep.org.
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Expedited service is
available upon request: info@orep.org.
FAQ for New Clients
How do I select the correct application?
Please click on your profession below to be taken to the correct
application.
How do I sign the application digitally?
If you have your signature installed on your Adobe Acrobat software, you
can electronically complete and sign the application, save it and then email
it to us. Otherwise, type the information onto the form, save it to your
computer, print, sign and submit it to us either by fax or email.
How do I pay for my policy?
The self
rated applications on our website have payment pages attached. Complete the
payment page and return it with your completed application. We accept most
major credit cards (there is a 2% convenience fee for all credit cards). Checks may be processed electronically by completing the
check and attaching it to the application. If choosing the check option,
please remember to sign the Check authorization area. Please retain
the completed check for your records, there is no need to mail the check to
us.
If your application requires quoting, an invoice and payment page will be
sent along with your quote.
Can I make payments/finance my premium?
Financing is available for premiums above $500. Write “Please Finance” on a
cover letter when you submit your completed application. Once we know the
premium level you’ve selected,
we
will email you a no-obligation finance agreement for review and a down
payment invoice within the same business day. If you choose to finance,
simply sign the finance agreement and use the payment page to send in the
down payment indicated.
Terms are
typically 25% down with payments spread out over nine months.
Can I get
same-day coverage?
Same day
coverage is available with self-rated applications or if you have your
quote. If your application needs to be underwritten, coverage can be bound
the same day you accept your quote. Quotes can take two to five business
days but can be expedited upon request. Please note that insurance is NOT
bound until a Binder or Declarations Page is issued.
Can I apply for insurance over the phone?
We can not process insurance applications over the phone, we need all
paperwork to process your insurance. Please complete the application and fax
it to the number indicated at the top of your application. If you have
insurance with a company other than OREP, be sure to send your current
policy’s Declarations Page in order to obtain prior acts coverage.
How can I tell
if my application was received?
A confirmation receipt will be emailed to you during regular business hours
when your application or your bind request is received. If your
application for a quote or to bind insurance is not complete, you will be
contacted by an agent immediately. Otherwise your documents are received and
in process. Please check your junk or spam folders, if you do not receive a
receipt within 24 hours, please call our office to confirm.
When will I receive my declarations page?
Declarations pages are typically available two to five business days after
your application is bound. Documentation will be sent to you by email
automatically. If you need “proof of insurance” sooner, a document will be
issued by OREP upon request outlining the terms of your policy. Please note
that this is not an insurance document but often is sufficient proof to
clients that you are covered until your official insurance documents are
prepared and issued. If you have not received your documentation after five
business days, please call us at 888-347-5273.
FAQ for
Current Clients
How do I renew my policy? Can I renew over the phone?
We can not process your renewal over the phone, you will need to complete a new application at renewal time, even if
nothing has changed from last year.
In most
cases, you can renew using the applications for your profession posted at
www.orep.org.
OREP also mails renewal applications months in
advance, then emails/calls with renewal reminders and applications as your
renewal date gets closer. If you have a claim or disciplinary action, please call
us. Please note:
Many appraisers and other OREP members find that
renewing 30 days ahead of time or earlier
eliminates “fee panel issues” when submitting updated insurance documents at
expiration to AMCs, lenders, municipalities and other clients. Declarations
Pages are usually issued within three business days of submitting your
completed renewal paperwork. Reduce stress and renew early!
Renew two to three weeks in advance.
How do I request a copy of my insurance documents?
Send your request to
info@orep.org. Requests are typically answered same business day.
How do I report a Claim/Disciplinary Action?
Send all relevant documents to
info@orep.org. Please follow up with a phone call to make sure they
arrive. Please notify us as soon as the issue arises as it can complicate
the renewal process.
How do I increase my coverage?
Home inspectors,
Mortgage Field and appraisers not covered with General Star: please send
your request to
info@orep.org.
Appraisers and agents insured with General Star:
please use the instructions below.
Check your
policy for your carrier, or email
info@orep.org if you are unsure.
Please note that this
process can be completed within three to four business days once all
required documents are received. Also note that a change in coverage is
accomplished by endorsement, which is a
separate document; a new or substitute Declarations page is not issued
by the carrier.
Premium limits can be increased
seamlessly at renewal. For appraiser clients, we recommend choosing
a minimum limit of
$500,000/$1,000,000, as this is the typical minimum that lenders/AMCs
require. To avoid delays and possible loss
of business, it is best to choose a minimum limit of
$500,000/$1,000,000.
Appraisers and Agents insured with
General Star
Please note
that this process can be completed within three to four business days
once all required documents are received. Also note that a change in
coverage is accomplished by
endorsement, which is a
separate document; a new or substitute Declarations page is not issued
by the carrier. Premium limits can be increased
seamlessly at renewal.
For appraiser clients, we recommend choosing
a minimum limit of
$500,000/$1,000,000, as this is the typical minimum that lenders/AMCs
require. To avoid delays and possible loss
of business, it is best to choose a minimum limit of
$500,000/$1,000,000.
Steps to Increasing Coverage During
the Policy Period
There are two items that need to be forwarded to us to
complete the process for General Star insureds.
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On your company
letterhead (or with your company name/logo), please state the nature
of the change you are requesting and the reason (i.e. you would like
to increase your coverage to $500,000/$1,000,000 limit because a
client requests a minimum limit of $1,000,000). To check what limits
are available in your state, please visit our
Appraisers page and click on your
state. The limits are on page one of the application.
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On a separate
sheet, copy and paste the wording from this
no-loss letter onto your
letterhead or with your company
name/logo. For the date range, use the effective
date of your policy as the
beginning date and the date you make your request for
increased coverage as the ending
date.
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Both the request
and the “no loss” letters must be signed by you and dated. Please
submit these letters to us by email or fax. Once we receive your
request, it will be sent to the insurance carrier. You will receive
an invoice for the increase in premium, if applicable, in about
three business days - you must pay the additional premium before
we can release documents to you.
How do I add/remove insureds from the policy?
Please send your request to
info@orep.org.
How do I obtain certificates for vendors and others?
Please send your request to
info@orep.org. Most certificates can be issued within 24 hours.
How do I cancel my policy?
Send your request to
info@orep.org. Prorated refunds are typically issued within 30 days.
How do I resolve a financing issue or question?
Please refer
to your finance agreement for the toll free number of the finance company.
You will have to resolve any finance issue directly with the finance company
as OREP cannot resolve issues with the third-party finance company on your
behalf.
Why is it so important to renew prior to my expiration date?
Click to read this story:
Why Canceling E&O Insurance Can Really Cost You!
Many appraisers and other OREP members find that
renewing 30 days ahead of time or earlier
eliminates “fee panel issues” when submitting updated insurance documents at
expiration to AMCs, lenders, municipalities and other clients. Declarations
Pages are usually issued within three business days of submitting your
completed renewal paperwork. Reduce stress and renew early!
What are my OREP Benefits and discounts?
Please click here for
all discount.
OREP
Phone: (888) 347-5273 (Toll Free)
Fax: (619) 704-0567 or (619) 269-3884
Email:
info@orep.org
Agent/Broker:
David Brauner/David Brauner Insurance Services - Calif. Ins. license
#0C89873. Licensed in 49 states. Please call for license number in your
state.
About
Surplus Lines
General Liability
Insurance
Please ask your agent for details
"Just a quick thank you for
taking my 2 phone calls. It's rare these days to get excellent customer service
AND a live person when investigating products and
services. I really felt like your staff was empowered to make decisions and
comments regarding questions they were confident/competent with and also felt
like they were empowered to pass the questions up a level if they were unsure.
The speed at which I moved from Jennifer to Maria, and subsequently from Maria
up to you was something I haven't experienced in this age of automation and
voice prompts. You and your staff have made a tremendous first and second
impression on me...” -
Ken Snyder
Member Benefits
• Working RE Magazine FREE subscription
• Purchase AMC Directory
• Appraiser's Guide to Energy Auditing/Rating
•
FHA Appraiser Inspection Checklist, Checklist Instructions and eBook
• Group Medical Insurance (California residents)
• Lower Prices from your Favorite Suppliers
• Benefits Page
Receive fast, personal service from the OREP staff who have been serving appraisers, inspectors and other real estate professionals for over 16 years.
(David Brauner: Calif. Insurance License 0C89873)
Click Errors and Omissions Programs at right for more information and applications or call us Toll Free: (888) 347-5273. We’re here to help!
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Link to OREP - Your Number 1 E&O Insurance Resource For Real Estate Professionals!
Offering Real Estate Appraisers Professional Liability Errors and Omissions or E&O Insurance - Inspectors Professional Liability Errors Omissions or E&O Insurance
For Real Estate Agents & Brokers Professional Liability or E&O Insurance- Mortgage Brokers and Bankers Professional Liability or E&O Insurance
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