Instructions for Federal Insurance Office (FIO) 

Underwriting Data Call – U.S. Homeowners’ Multi-Peril 

General Guidelines 

 All data should be: 

o Reported on a legal entity basis 

o Reported on a direct business basis before impact of reinsurance 

o Based on Accident Year information (AY), unless otherwise specified 

o Aggregated at the USPS ZIP Code (5-digit) level 

 Data should be reported for all USPS ZIP Codes in which the insurer underwrites business. There 

are over 41,000 ZIP Codes in the United States. 

 Data should be associated with the Homeowners’ Multi-Peril Line of Business (Homeowners’ 

LOB) and include only Mobile Homeowners’, Owner Occupied Homeowners’, and Other 

Homeowners’ policy form types (HO-1, HO-2, HO-3, HO-5, HO-7, and HO-8). 

 Data should be only associated with Dwelling and Other Structures and Personal Property 

protection within the Homeowners’ LOB (i.e., coverage for the destruction and damage to a 

residence’s interior and exterior). It should not include any data related to non-property coverage 

such as personal liability coverage, medical payments, or additional living expenses. 

 Personal property claims and losses associated with non-weather-related damage or theft should 

be excluded. 

 For bundled policies, all data associated with coverages other than Homeowners’ LOB should be 

excluded. 

 Data should be associated with weather-related hazards only, i.e., exclude intentional losses 

caused by the policyholder or his agents (such as arson, acts of terror, or war). 

 Data should exclude any coverage related to earthquakes. 

 The data template is replicated for each of five AYs, beginning in 2017. Respondents should fill 

in each tab separately for each of the five AYs in the Homeowners’ LOB and reflect the total 

cumulative premiums, claims, and loss data for the occurrence year as reported in statutory 

statements as of December 31, 2021. 

 Premiums, losses, and claims data fields should be reported in accordance with Statutory 

Accounting Principles (SAP). 

 Monetary values should be reported in USD with the full values stated (i.e., not reported in 

millions or thousands). 

“Policy Information” Data Fields 

 “Total $ Value of Coverage for Dwelling and/or Other Structures, and Personal Property” 

(column E) should equal the estimated value of the insured exposure(s) that was recorded at the 

effective date of the policy or most recent renewal. 

 “Total $ Replacement Cost Value” (column F) should equal the estimated $ value to replace the 

insured exposure(s) that was recorded at the effective date of the policy or most recent renewal. 

 “Total $ Amount of Insurance Deductible” (column G) should reflect the amount of money the 

property owner must pay out of pocket before the homeowners’ insurance coverage is triggered, 

Page 1 of 4 
as recorded at effective date of the policy or most recent renewal. Any amounts associated with 

non-property related coverages should be excluded. 

“Claims” Data Fields 

 Claims-related data fields correspond to Schedule P (Part 1A, Part 3A, and Part 5A – Sections 1-

3. Summary Schedules) for Homeowners’/Farmowners’ LOBs in the annual NAIC Financial 

Statement Filing. 

 Claims-related data fields should be on a direct basis and exclude any claims related to assumed 

business that is included on Schedule P. 

“Premiums” and “Losses” Data Fields 

 The data fields in this category correspond to the NAIC Exhibit of Premium and Losses 

(Statutory Page 14) for the Homeowners’ LOB in the annual NAIC Financial Statement Filing. 

Instructions for Homeowners’ LOB Template 

Cell Field Name Comments 

Insurance Company Information 

Data to be entered in column H corresponding to the row noted in “Cell” 

C5 NAIC Group Code As used for state regulatory reporting purposes. If not part 

of a group, leave blank and report for the individual 

company in cells H7 and H8. 

C6 Insurer Group Name Provide the NAIC Group Name as used by reporting 

insurer. If not part of a group, leave blank and report for 

the individual company in cells H7 and H8. 

C7 NAIC Company Code As used for state regulatory reporting purposes. Enter 

information for the insurance company within an affiliated 

group (as reported in cells H5 and H6), or report for 

individual company if not part of a group. 

C8 Insurance Company Name Provide name as used by reporting insurance company. 

Enter information for each company within an affiliated 

group of insurers (as reported in cells H5 and H6), or 

report for individual company if not part of a group. 

C9 Type of Insurer Use letters as indicated to characterize nature of 

operations of reporting insurer (Admitted (A), Domestic 

Surplus Lines (DSL), Alien Surplus Lines (ASL), Captive 

(C), Risk Retention Group (RRG), Residual Market Entity 

(RM)). Select the code that best describes the operations 

of the reporting insurer. 

C10 Total Year-End Net 

Admitted Assets (As of 

12/31 for year of reporting) 

Enter figure as reported by the insurance company for 

state regulatory purposes on its Annual Statement for 

December 31 of reporting year at Page 2, Line 28, 

Column 3. 

C11 Total Year-End Policyholder 

Surplus (As of 12/31 for 

year of reporting) 

Enter figure as reported by the insurance company for 

state regulatory purposes on its Annual Statement for 

December 31 of reporting year at Page 3, Line 37, 

Column 1. 

Page 2 of 4 
Cell Field Name Comments 

Policy Information 

Data to be entered in rows starting from row 16 (one row for each ZIP Code) corresponding to the 

column noted in “Cell” 

C15 USPS ZIP Code Enter the ZIP Code of the aggregated policy and financialrelated data. 

D15 Number of Policy In-Force 

Exposures 

Enter the count of policies written during the AY for 

which all due premiums were paid and no premiums were 

outstanding for December 31 of that year. 

E15 Total $ Value of Coverage 

for Dwelling and/or Other 

Structures, and Personal 

Property 

Enter the total estimated value of the insured exposure(s). 

F15 Total $ Replacement Cost 

Value 

Enter the estimated $ value to replace the insured 

exposure(s). 

G15 Total $ Amount of Insurance 

Deductible 

Enter the total insurance deductible or the total amount 

policyholders were responsible for paying towards the 

insured loss. 

Claims 

Data to be entered in rows starting from row 16 (one row for each ZIP Code) corresponding to the 

column noted in “Cell” 

H15 Number of Claims Reported 

(Direct, AY) 

Enter ZIP Code level data for each AY that was recorded 

at the end of the first CY, as reported by the insurance 

company for state regulatory purposes on its Annual 

Statement for December 31, 2021 at Schedule P – Part 

1A, Lines 7-11, Column 12. Do not include any claims 

associated with assumed business or Farmowners’. 

I15 Number of Claims Closed 

With Loss Payment (Direct, 

AY) 

Enter ZIP Code level data for each AY that was recorded 

at the end of the first CY, as reported by the insurance 

company for state regulatory purposes on its Annual 

Statement for December 31, 2021 at Schedule P – Part 

3A, Lines 7-11, Column 11. Do not include any claims 

associated with assumed business or Farmowners’. 

J15 Number of Claims Closed 

Without Loss Payment 

(Direct, AY) 

Enter ZIP Code level data for each AY that was recorded 

at the end of the first CY, as reported by the insurance 

company for state regulatory purposes on its Annual 

Statement for December 31, 2021 at Schedule P – Part 

3A, Lines 7-11, Column 12. Do not include any claims 

associated with assumed business or Farmowners’. 

K15 Cumulative Number of 

Claims Closed With Loss 

Payment (Direct, AY) 

Enter ZIP Code level data for total number of claims for 

each AY that was recorded through Dec 31, 2021 

corresponding to the figure(s) as reported by the insurance 

company for state regulatory purposes on its Annual 

Statement for December 31, 2021 at Schedule P – Part 5A 

– Section 1. Do not include any claims associated with 

assumed business or Farmowners’. 

L15 Cumulative Number of 

Claims Outstanding (Direct, 

AY) 

Enter ZIP Code level data for total number of claims for 

each AY that was recorded through Dec 31, 2021 

corresponding to the figure(s) as reported by the insurance 

company for state regulatory purposes on its Annual 

Page 3 of 4 
Cell Field Name Comments 

Statement for December 31, 2021 at Schedule P – Part 

5A– Section 2. Do not include any claims associated with 

assumed business or Farmowners’. 

M15 Cumulative Number of 

Claims Reported (Direct, 

AY) 

Enter ZIP Code level data for total number of claims for 

each AY that was recorded through Dec 31, 2021 

corresponding to the figure(s) as reported by the insurance 

company for state regulatory purposes on its Annual 

Statement for December 31, 2021 at Schedule P – Part 5A 

–Section 3. Do not include any claims associated with 

assumed business or Farmowners’. 

Premiums 

Data to be entered in rows starting from row 16 (one row for each ZIP Code) corresponding to the 

column noted in “Cell” 

N15 Direct Premiums Written 

(AY) 

Enter ZIP Code level data corresponding to the figure as 

reported by the insurance company for state regulatory 

purposes on its Annual Statement for year of reporting at 

Exhibit of Premiums and Losses for States, Line 4, 

Column 1, for each AY through December 31, 2021. 

O15 Direct Premiums Earned 

(AY) 

Enter ZIP Code level data corresponding to the figure as 

reported by the insurance company for state regulatory 

purposes on its Annual Statement for year of reporting at 

Exhibit of Premiums and Losses for States, Line 4, 

Column 2, for each AY through December 31, 2021. 

P15 Amount of Direct Premiums 

Written Renewed or 

Retained 

Provide the total amount of Premiums renewed from the 

prior reporting period for each AY. 

Losses 

Data to be entered in rows starting from row 16 (one row for each ZIP Code) corresponding to the 

column noted in “Cell” 

Q15 Total Direct Losses Paid Enter ZIP Code level data corresponding to the figure as 

reported by the insurance company for state regulatory 

purposes on its Annual Statement for year of reporting at 

Exhibit of Premiums and Losses for States, Line 4, 

Column 5, for each AY through December 31, 2021. 

R15 Total Direct Incurred Losses Enter ZIP Code level data corresponding to the figure as 

reported by the insurance company for state regulatory 

purposes on its Annual Statement for year of reporting at 

Exhibit of Premiums and Losses for States, Line 4, 

Column 6, for each AY through December 31, 2021. 

Page 4 of 4