Property Ineligible Guidelines

Property Ineligible Guidelines

Below are the handling guidelines for existing contracts that have been determined to be ineligible for coverage.

Property Ineligible for the Following Reasons
  1. Mobile Home over 10 years of age 
  2. Residential property with a business run out of the home 
  3. Second structure / detached structure / “pool house” set up for contract 
Handling Procedures

No Claims on Contract
  1. If Contract is Inactive and in initial year
    1. Contract should be cancelled, and payments refunded. Communicate to the customer the property/contract status.
  2. If Contract is in initial year and we get notified of ineligibility as claim is initiated or before claim has been serviced by the service provider
    1. Contract should be cancelled, and payments refunded. Communicate to the customer the property/contract status.
  3. If contract has renewed and is beyond its initial year of coverage
    1. Contract should be flagged for non-renewal and claims honored for the term of current contract year. Communicate to the customer the property/contract status.
Previous Claims on Contract 
  1. If contract is effective for any period of time and previous claims have been completed on contract
    1. Contract should be flagged for non-renewal and claims honored for the term of current contract year. Communicate to the customer the property/contract status.
Property Ineligible for the Following Reasons
  1. Commercial Properties/Businesses 
  2. Multi-family Properties 
Handling Procedures

Previous Claims Placed or Not on Contract
  1. If Contract is Inactive and in Initial Year
    1. Contract should be cancelled, and payments refunded. Communicate to the customer the property/contract status.
  2. If Contract is Effective in Any Contract Year and During Any Point in the Claim Process
    1. Contract should be cancelled immediately.
  3. If a claim is in process, we will complete the claim, but no other claims will be allowed to be initiated.
    1. Refund of payments will be dependent of outcome of current claim and previous claims in regard to claims’ paid amount.
    2. Communicate to the customer the property/contract status.
Cancellation/Non-Renewal and Refund Requests

Once a property has been deemed ineligible using the above guidelines, notification should be sent to Membership Services via email to complete the cancellation/non-renewal and refund of the contract.

Email Addresses:
  1. Cinch Real Estate Client: servicecenter@cinchhs.com 
  2. All Other Clients: $notify-retention@cinchhs.com 
Include in the body of the email:
  1. Contract #
  2. Reason for Ineligibility
    1. TIMX not for determination of eligibility
  3. Change Needed to Contract Status
    1. Immediate Cancellation
    2. Non-Renewal


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