BILLING
1. How can I make a payment?
Go to the Bill It Now's website, www.Billitnow.com, or call 888-855-5690.
2. Can I change my payment plan?
Billing type can only be changed once and can only be changed up to (2) weeks following the effective date of their policy.
Email First Cap Accounting at accounting@fcpropertyins.com, and use the following template to email Bill It Now. The X will be replaced with either a 4 or 9 payment plan option. Include the Named Insured and Policy number in the subject line of the email.
Hello,
For the above referenced policy, please change the payment plan to the X-pay plan.
3. Has my payment been received?
The insured can use their Bill It Now login to access payment information. Bill It Now can also provide information by calling 888-855-5690.
4. Where does lender or mortgagee send payment?
For non-priority payments or payments being sent regular mail, please mail payment to:
Bill It Now
PO Box 261567
Hartford, CT 06126-1567
For priority or overnight payments, please mail payment to:
Bill It Now
170 Huyshope Ave
Hartford, CT 06106
To set up automatic payments, the insured will need to contact Bill It Now via their website www.Billitnow.com or payment phone number 888-855-5690.
6. Non-Payment Cancellations and Reinstatements
The retail broker will need to contact their Underwriter for Reinstatements.
If less than 30 days from Cancellation date First Cap should be able reinstate.
We will need No Known Loss Letter signed and dated, with the policy number included.
7. Bill It Now Contact Information
Website: www.Billitnow.com
Phone: 888-855-5690
Email: BINsupport@insurity.com
UNDERWRITING
1. How do I bind my submission?
The retail broker will need to log into the First Cap Portal, hit the Submit button and in Comments box that appears, clearly state that you are requesting to bind the account. Make sure to include effective date.
2. What is the turnaround time for submissions, binds and endorsements?
Submissions: Turnaround time is 5 business days. This does not include weekends or holidays.
Binds: Turnaround time, if ALL documents and information have been provided, is 2-3 business days. If there is any missing information, we will email the broker for the information and turnaround time starts when full and complete documents are received.
Endorsements including Cancellation and Reinstatement Endorsements: Turnaround time is 10 business days. This does not include weekends or holidays.
3. Printing Insured's Policy
Step 1: In the First Cap Property Portal, click the three white lines in the blue box in the upper left-hand corner.
Step 2: In the new menu, click Policies.
Step 3: Search for the policy by either the Named Insured (recommended) or Policy Number (NOT Quote ID) and then click Search.
Step 4: Click the arrow on the right side of the screen.
Step 5: On the Policy Activity screen, click View Documents.
Step 6: Click Download Document and print or save the documents accordingly.
4. Endorsement questions (i.e. how do I make changes to the policy: endorsement processing instructions)
Step 1: On the main menu of the portal click the three white lines in the blue box.
Step 2: On the new menu that appears, click Policies.
Step 3: Wait for the screen to load, the yellow/orange bar across the top of the page (#1) will indicate the loading progress.
Once the page is loaded and your active policies are displayed, you can select Insured Name or Policy Number (#2) from the drop down menu.
Enter the information (named insured or policy number) in the second box (#3) and hit Search (#4).
Step 4: Click the arrow on the right side of the screen.
Step 5: On the new screen that appears, you will see the issued policy (#1), any other endorsements that have been processed (#2) and the option to Initiate Transaction (#3).
Step 6: In the Transaction Type, click the drop-down arrow (#1), enter the endorsement effective date (#2). PLEASE NOTE: Endorsements cannot be back dated.
Enter a short description in the Description box (#3) and hit Initiate (#4). If you do not allow pop-ups you will be taken back to the home screen.
Search for the policy and click the arrows to enter the endorsement.
Step 7: Amend the sections that need to be endorsed. Please use the Continue button on each screen as you do when quoting applicants.
Step 8: On the final screen, review the changes you made in the “Comments to your underwriter box”. If everything is correct, click Submit. Otherwise, click Close and correct the information that needs to be amended.
Step 9: Confirm that you would like to Bind and Issue the endorsement, with the effective date shown, and click Yes if you wish to proceed with binding the endorsement.
Step 10: Your underwriting assistant will send the endorsement and invoice to you within 10 business days, excluding weekends and holidays. If you have not received the endorsement within this time, you can email submissions@fcpropertyins.com. In the subject line please include “ENDORSEMENT STATUS REQUEST” along with the Named Insured and Policy number. In the body of the email include the date you processed the endorsement and a brief description of what the endorsement was.
An annual inflationary adjustment will automatically be included at each policy renewal
Renewal Policies will automatically be sent out 60 days before expiration of the current policy.
If a Non-Renewal is required, it will be mailed to the insured 60 days before expiration
6. My account was submitted but I haven't heard back.
If it is passed the turnaround time, please contact your Underwriter directly via email. They will respond at their earliest convenience.
INSURED QUESTIONS
1. How do I cancel my policy?
Your retail broker will need to send a request to cancel the policy. A Loss Policy Release or proof of coverage if placed elsewhere should be included with the emailed request. The broker will have the email address where to send the request to.
2. How do I obtain a quote?
Below are some of our brokers that you may contact to obtain a quote. We do not write directly with the insured's and therefore you must contact a retail broker to obtain a quote.
Southern California: Mexican border to Los Angeles
Storrs Insurance Group
Kate Maavich
800-748-5899
kate@tisteam.com
Murrieta, CA
Michael J. Williams Insurance
Mike Williams
760-324-4100
mike@canyonpacificins.com
Palm Springs, CA
Stanley Wong Insurance
Alan Wong
858-569-0383
info@swonginsurance.com
San Diego, CA
Los Angeles: All of LA, Irvine to Santa Clarita
Mills Insurance
Scott Keating
949-330-5208
scottk@millsins.com
Los Alamitos, CA
Hershfield Insurance
Daniel Hershfield
562-270-9590
daniel@hershfieldins.com
Long Beach, CA
Caruso Insurance
Larry Scott
951-547-6757
lscott@carusoins.com
Corona, CA
Bethany Insurance
Paul Farjo
909-305-0070
plrequest@bethanyins.com
San Dimas, CA
Inland Central California: Bakersfield to San Francisco
Steele Insurance
Troy Steele
707-207-5700
TSteele@SIAInc.net
Stockton, CA
MCA Insurance
Jesse Estrada
661-833-0300
jesse@mca-insurance.com
Bakersfield, CA
Kapasu Insurance Services
Walter Ahmed
760-995-3853
WalterA@Kapasuinsurance.com
Victorville, CA
Coastal Central California: Oxnard to San Jose
Tomm and Buck Insurance
Mark Tomm
805-683-0096
tommbuck@hotmail.com
Santa Barbara, CA
Monroe Insurance Agency
DBA: Monroe-Kelly Insurance
Irene Miller
831-372-4511
mailbox@monroe-insurance.com
Carmel, CA
Northern California: San Francisco to Northern CA border
Oakley Insurance
Joe Weber
925-625-8400
Joe@oakleyins.com
Brentwood, CA
Sadler Insurance
Joe Larkey
707-919-3851
Joe@Sadlerinc.com
Santa Rosa, CA
AnCal Insurance
Susan O'Farrall
916-485-5410
susan@ancalinsurance.com
Sacramento, CA
CAL Insurance
Lisa Petty
415-661-6500
lpetty@mycalteam.com
San Francisco, CA
TECHNICAL DIFFICULTIES WITH THE PORTAL
1. I need to add a new broker to my agency.
Send the new broker's name and email address to Luie Rodriguez at lrodriguez@fcawis.com. For Manufactured Home broker's, send the same information to Bill Ramsey at bramsey@fcpropertyins.com.
2. Portal not working properly.
Clearing your cache will fix most of the issues with the portal. In your internet browser (pictures below are from Chrome), click the three dots (#1) and then select Clear browsing data (#2). Click on the Advanced tab and in time range, select last 7 days (#3) and then click Clear Data (#4). Once you have completed these steps, go back into the First Cap website, https://fcpropertyins.com/index.html and log in again. Do NOT use old sessions, bookmarks or saved links.
3. System has greyed out sections.
If the system or the quote line for a specific insured is greyed out please follow the clear cache instructions.
4. Quote or Bind request failed in the Portal.
Please contact your Underwriter with a cc to the submission's inbox regarding the failed message. Include the named insured and, if possible, a screenshot of the message. Someone will advise as soon as possible.
5. How to disable pop-up blocker in Google Chrome for our portal.
Open Chrome.
Click on the three (3) dots in the right-hand corner.
Click Settings, Privacy, and Security (#1), Site Settings (#2).
Scroll down and select Pop-ups and redirects.
Click the Add button under the following selection and then enter the website to the Add A Site box and click Add.