Section 4203.80  Coding Conventions for Homeowner and Residential Fire Insurance

This Section provides instructions for coding 15 fields included in the homeowner and residential fire insurance line.  For the calendar year premium-only records of homeowner and residential fire lines, only Fields 1 through 10 and 13 are to be reported.  Insurers writing homeowner and residential fire on a calendar-accident year basis must also submit calendar year premium-only records.  And finally, homeowner and residential fire records will be submitted by zip code.

a)         Data for the homeowner and residential fire lines will be reported on either a calendar year or calendar-accident year basis. Only voluntary business will be reported.

b)         In the homeowner line, the insurer will code one record for each class for multi-state data and one record for each class for each zip code for Illinois-only data.  It is not necessary to submit a record that sums the data for all the zip codes in each class. If an insurer reports homeowner or residential fire data using the calendar-accident method of compiling annual experience, it must also report the data under the calendar year premium-only method by zip code.

c)         If an insurer is unable to separate a homeowner endorsement for earthquake (classification code HEQ) from the residential earthquake data (classification code REQ), the data should be reported as part of REQ using the instructions for reporting earthquake data in Section 4203.70.  In like manner, earthquake data from an endorsement to a residential fire policy should be reported under the HEQ code.

d)         The following provides a detailed description of each data field:

1)         FEIN – This alpha-numeric field reflects the Federal Employer Identification Number assigned to the insurer. (Do not include the hyphen, for example 555555555.)

2)         Filing Method – This one-character alpha-numeric field identifies the source of the data as either an agent or an insurance company.  Possible codes are:

3)         Line of Business – This alpha-numeric field identifies the general business line to which the data belongs.  The possible codes are:

4)         State Identifier – This field identifies the geographical source of the data.  Possible codes are:

5)         Experience Method – This one-character alpha-numeric field designates the experience method for the statistical data year reported.  The possible codes for these lines are:

6)         Statistical Data Year – This four-character alpha-numeric field reflects the experience year.  (For example, the statistical data year for the November 1996 annual filing for the calendar year method will be coded 1995 and for the calendar-accident year method will be coded for one of the years 1990-1994.)

7)         Zip Code – This alpha-numeric field identifies the zip code where the homeowner exposure is located.  Possible codes are:

            AGENCY NOTE: There should be one record for each represented zip code for each of the classes HO-1, HO-2, HO-3, HO-4, HO-5, HO-6, HO-8, mobile, 323, 9A, 9B, and 9C for Illinois-only data and one record for each class reported for multi-state data.  For the HEQ class, reporting for Illinois-only data by zip code is required while multi-state reporting is not required.  Insurers reporting homeowner or residential fire data using the calendar-accident method of compiling annual experience must also report premium and exposure data using the calendar year premium-only method by zip code.  For multi-state data, the zip code field will be blank.

8)         Classification Code – This alpha-numeric field identifies the class of insurance being reported in the line.  The insurer should report one record for multi-state data and one record for each class by zip code for Illinois-only data.  It is not necessary to report a record that sums all zip code data for a class.  Possible codes for the classification field are:

•    HO-1

•    HO-2

•    HO-3

•    HO-4

•    HO-5

•    HO-6

•    HO-8

•    Mobile

•    323     =    Day care endorsement

•    HEQ   =    Homeowner earthquake endorsement

•    9A      =    residential fire, building & contents (owner-occupied 1-4 units)

•    9B      =    residential fire (contents only)

•    9C      =    residential fire (building only for non-owner-occupied)

9)         Amount of Written Premium – This field reflects the amount of written premiums corresponding to each of the class codes HO-1 through HO-8, mobile homes, 323, HEQ, 9A, 9B, and 9C.

10)         Amount of Earned Premium – This field reflects the amount of earned premium corresponding to each of the class codes HO-1 through HO-8, mobile homes, 323, HEQ, 9A, 9B, and 9C.

11)         Amount of Paid Losses – This field reflects the paid losses corresponding to each of the class codes HO-1 through HO-8, mobile homes, 323, HEQ, 9A, 9B, and 9C.  Please see Section 4203.30(g) for the definition of paid losses.

12)         Amount of Outstanding Losses – This field reflects the outstanding losses corresponding to each of the class codes HO-1 through HO-8, mobile homes, 323, HEQ, 9A, 9B, and 9C.

13)         Number of Written Exposures – This field reflects the count of exposures for each of the class codes HO-1 through HO-8, mobile homes, 9A, 9B, and 9C. (Note that class 323 and HEQ should be left blank for this field.)

14)         Number of Paid Claims – This field reflects the paid claims count corresponding to each of the class codes HO-1 through HO-8, mobile homes, 323, HEQ, 9A, 9B, and 9C.  Please see Section 4203.30(i) for the definition of paid claims.

15)         Number of Outstanding Claims – This field reflects the outstanding claims count corresponding to each of the class codes HO-1 through HO-8, mobile homes, 323, HEQ, 9A, 9B, and 9C.  Please see Section 4203.30(j) for the definition of outstanding claims.

(Source:  Amended at 31 Ill. Reg. 2287, effective January 22, 2007)