Homeowners Rating Tab
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Homeowners Rating Tab - e2Value Dwelling Replacement Cost Calculator
How do I launch the e2value application?
On the Rating tab, you will find a Go to E2Value button. Click it to begin the process.
An e2Value pop-up window will appear. IMPORTANT: If you have the pop-up blocker feature enabled on your web browser, you may need to change a setting to allow pop-ups from e2value.com.
On the first screen of the pop-up, enter the insured's first and last name and click the Calculate button.
On the first screen of the pop-up, enter the insured's first and last name and click the Calculate button.
What architectural style should i select?
Click the Architectural Style box. At the top of the drop down list are the ten most common styles found in Kansas. In virtually all situations, you will select one of these ten styles.
IMPORTANT: Once an Architectural Style has been selected from the list, an example picture of it will appear to assist you.
IMPORTANT: Once an Architectural Style has been selected from the list, an example picture of it will appear to assist you.
How is living area square footage determined?
Living Area is defined as the predominant area of the house that has full stories located above ground on the first, second, or other floors with full-height ceilings (usually higher than seven feet).
Do not include finished basements, half or three-quarter stories, or attached garages. These will be included elsewhere in the calculator.
Below is a pictorial guide regarding Living Area.
Do not include finished basements, half or three-quarter stories, or attached garages. These will be included elsewhere in the calculator.
Below is a pictorial guide regarding Living Area.
How do I add an additional area?
After an initial Replacement Cost has been calculated, click the Edit button in the Square Footage section.
Click the Other Defined Areas box to see a drop down list. The most common areas to add are 1/2 & 3/4 stories, basements, decks, attached garages, patios, and porches.
Once a selection has been made from the list, you must also enter the Square Footage and alter the Year Built (if different than the Year Built of the dwelling).
IMPORTANT: Clicking the Add button is required to complete the process or your entries will not be saved.
To delete a previous entry, click the "X" button.
I need to change something in the Basic structure area. how do i do that?
Click the Edit button in the Basic Structure area. All values can then be modified.
What construction quality should i choose?
In virtually all situations, Average/Standard is the best quality to choose.
Modest/Fair is acceptable but only when the dwelling is being insured on an Actual Cash Value basis.
Under no circumstances should Basic/Economic be selected.
If Average/Standard is producing a replacement cost value that you feel is too low, it is acceptable to choose a value better than Average/Standard.
Modest/Fair is acceptable but only when the dwelling is being insured on an Actual Cash Value basis.
Under no circumstances should Basic/Economic be selected.
If Average/Standard is producing a replacement cost value that you feel is too low, it is acceptable to choose a value better than Average/Standard.
What Physical shape Should I use?
IMPORTANT: Physical Shape should be an item that you review for accuracy for each calculation you do.
Choose a Physical Shape that best matches the "foot print" of the Living Area of the dwelling. Ignore additional areas such as garages, porches, decks, etc.
Note, if the Contemporary Architectural Style is selected, Contemporary should be selected for the Physical Shape.
Below are examples of Physical Shapes.
Choose a Physical Shape that best matches the "foot print" of the Living Area of the dwelling. Ignore additional areas such as garages, porches, decks, etc.
Note, if the Contemporary Architectural Style is selected, Contemporary should be selected for the Physical Shape.
Below are examples of Physical Shapes.
What Primary roof covering should i select?
Generally, the default value is acceptable.
Popular roof covering types are Architectural (also known as Dimensional), Asphalt (also known as 3-tab), Composition, Metal, and Wood (also known as Wood Shake).
Popular roof covering types are Architectural (also known as Dimensional), Asphalt (also known as 3-tab), Composition, Metal, and Wood (also known as Wood Shake).
What locale should I use?
Generally, the default value can be accepted for Locale.
If a dwelling is located in an incorporated town, the Locale selected should be Town or Suburban (there is no difference in the calculated value between these two). Note, Town or Suburban are the most common Locales.
If the dwelling is located outside an incorporated town (or within an unincorporated town), the Locale selected should be Rural. If the dwelling is located more than 40 miles from an incorporated town, the Locale selected should be Remote, Moderate.
In most situations, the City Locales should be avoided. They apply to a dwelling that is found in a downtown urban setting.
If a dwelling is located in an incorporated town, the Locale selected should be Town or Suburban (there is no difference in the calculated value between these two). Note, Town or Suburban are the most common Locales.
If the dwelling is located outside an incorporated town (or within an unincorporated town), the Locale selected should be Rural. If the dwelling is located more than 40 miles from an incorporated town, the Locale selected should be Remote, Moderate.
In most situations, the City Locales should be avoided. They apply to a dwelling that is found in a downtown urban setting.
Is there anything I need to do in the "geo-imagery" section?
No. This section shows a sky-level view of the property, if available. It is for informational use only.
How do i send the replacement cost value back to britecore?
On the Results screen of the e2Value pop-up, click the Next button.
This will navigate you to an e2Value Results page. Review the report for accuracy.
If changes are needed, click the Edit Estimate link, make the needed corrections, and then navigate back to the Results page using the Next button.
Once the Results page is acceptable, click the Submit Results to BriteCore button.
After a few seconds, the e2Value pop-up will disappear and you will find the calculated replacement cost value listed next to the Go to E2Value button.
IMPORTANT: Verify that the amount entered for the Coverage A limit is appropriate based on the calculated replacement cost of the dwelling and the company rules of the dwelling coverage type selected
Can i see the replacement cost report that has been calculated for a dwelling?
Yes. Navigate to the Attachments tab, click the blue folder next to E2Value Property Information, and then click the .pdf file name.
