FAQ’s

OREP specializes in placing errors and omissions insurance for real estate appraisers, home inspectors, real estate agents and brokers, mortgage field service professionals, mortgage brokers, title and others. OREP offers the lowest rates on appraiser’s insurance with same day coverage & confirmation (most cases). For instant E&O quotes for appraisers click here.


Frequently Asked Questions

OREP.org/David Brauner Insurance Services

OREP is in its 12th year of business
Doing business in 49 states and D.C (not Alaska)
Senior Broker: David Brauner Calif. Insurance Lic. #0C89873
Publisher of Working RE Magazine
Company Mission: Business by the Golden Rule
Send Feedback to Principal: David Brauner – dbrauner@orep.org
Save money, gain the competitive edge: OREP Benefits and Discounts

 

General FAQs
What are OREP’s Hours of Operation?
How do I contact OREP?
How do I submit my application?
Where do I send my application?
What is the process of obtaining insurance with OREP?
What can I expect after I submit my application/documents?
What happens once my documents are in process?
 
FAQs for New Clients
How do I select the correct application?
How do I sign the Application Digitally?
How do I pay for my insurance?
Can I make payments/finance my premium?
Can I get same-day coverage?
Can I apply for insurance over the phone?
How can I tell if my application was received?
When will I receive my declarations page?
 
FAQs for Current Clients
How do I renew my policy? Can I renew over the phone?
How do I request a copy of my insurance documents?
How do I report a Claim/Disciplinary Action?
How do I increase my current coverage?
How do I add/remove insureds from the policy?
How do I obtain certificates for vendors and others?
How do I cancel my policy?
How do I resolve a financing issue or question?
Why is it so important to renew prior to my expiration date?
What are my OREP Benefits and discounts?
 


 
General FAQs

What are OREP’s hours of operation?
Monday – Friday; 8am to 5pm Pacific Standard Time
 
How do I contact OREP?
Toll Free: (888) 347-5273
Fax: 619-704-0567
Email: info@orep.org
6760 University Ave., Suite 250, San Diego, Ca. 92115
 
How do I submit my application?
Most applications have been made interactive, meaning you can type your information right into the application. If you have Adobe Reader, you will have to save the application, print it to sign it and then fax or email it to OREP. If you have Adobe Writer, you can digitally sign the application, save it to your computer and then email it to OREP.
 
Where do I send my application?
Individual Self Rated Appraiser applications can be sent to: appraisers@orep.org or Fax: 619-704-0793.
All other applications should be sent to: info@orep.org or Fax: 619-704-0567.
If the above fax numbers are busy, please try 708-570-5786 or 619-269-3884, then call OREP to confirm receipt.
 
What is the process for obtaining insurance with OREP?
Binding Insurance with OREP/David Brauner Insurance Services

Most applications are “self rating” with premium prices included on them. Complete the application, select your premium from the rates provided and submit it to OREP with payment. Financing is available, click for more information.

If your application does not have premiums indicated, please submit it for quoting to info@orep.org or Fax 619-704-0567. (Please save the completed PDF document to your computer before emailing or it will arrive blank.)

Important: If you have current insurance expiring within a day or two, please call OREP so we can expedite the process.
 
What to expect when submitting documents:

  • If your application is received, a confirmation receipt will be emailed to you during regular business hours, next day if received after hours. Please check your spam or junk folder for this receipt, if you do not receive it within one business day please call OREP to confirm.
  • If your application is incomplete, an agent will contact you immediately during regular business hours, next day if received after hours.

 
Once your documents are in process:

  • Applications that require quoting may take one to five business days. Expedited service is available upon request. Your quote will be emailed once we receive it from the underwriters.
  • Declarations pages and policies are emailed within two to five business days after binding. Expedited service is available upon request. Coverage is NOT bound until a binder/declarations page is issued.
  • Confirmation letters for proof of coverage, prior to issuance of your Binder/Declarations page, are available upon request to show lenders and others. Send your request to: info@orep.org.
  • Expedited service is available upon request: info@orep.org.

 


 
FAQs for New Clients

How do I select the correct application?
Please click on your profession below to be taken to the correct application. Please click the appropriate link below.

 
How do I sign the application digitally?
If you have your signature installed on your Adobe Acrobat software, you can electronically complete and sign the application, save it and then email it to us. Otherwise, type the information onto the form, save it to your computer, print, sign and submit it to us either by fax or email.
 
How do I pay for my policy?
The self rated applications on our website have payment pages attached. You will also find on this PDF Payment Page a link to a payment portal. If using the payment portal, simply navigate over and pay in seconds. If using the payment page, complete the payment page and return it with your completed application via email or fax. We accept most major credit cards. Checks may be processed electronically by completing the check and attaching it to the application. If choosing the check option, please remember to sign the Check authorization area. Please retain the completed check for your records, there is no need to mail the check to us.

If your application requires quoting, an invoice and payment page will be sent along with your quote.
 
Can I make payments/finance my premium?
Yes, financing is available regardless of credit history. Please check the “Finance” box on the Payment Page or otherwise indicate it on a cover letter when you submit your completed application. Once we know the premium level you’ve selected, we will email you a no-obligation finance agreement for review and a down payment invoice within the same business day. If you choose to finance, simply sign the finance agreement and use the payment page to send in the down payment indicated. Terms are typically 25% down with payments spread out over nine months.
 
Can I get same-day coverage?
Same day coverage is available with self-rated applications or if you have your quote. If your application needs to be underwritten, coverage can be bound the same day you accept and pay for your quote. Please note that insurance is NOT bound until a Binder or Declarations Page is issued.
 
How can I tell if my application was received?
A confirmation receipt will be emailed to you during regular business hours when your application or your bind request is received. If your application for a quote or to bind insurance is not complete, you will be contacted by an agent immediately. Otherwise your documents are received and in process. Please check your junk or spam folders, if you do not receive a receipt within 24 hours, please call our office to confirm.
 
When will I receive my declarations page?
Declarations pages are typically available two to three business days after your application is bound. Documentation will be sent to you by email automatically. If you need “proof of insurance” sooner, a document will be issued by OREP upon request outlining the terms of your policy. Please note that this is not an insurance document but often is sufficient proof to clients that you are covered until your official insurance documents are prepared and issued. If you have not received your documentation after five business days, please call us at 888-347-5273.
 


 
FAQs for Current Clients

How do I renew my policy?
In most cases, you can renew using the applications for your profession posted at www.orep.org. Clients who qualify for online renewal will be notified in advance. OREP mails renewal applications months in advance, then emails/calls with renewal reminders and applications as your renewal date gets closer. If you have a claim or disciplinary action, please call us. Please note: Many appraisers and other OREP members find that renewing 30 days ahead of time or earlier eliminates “fee panel issues” when submitting updated insurance documents at expiration to AMCs, lenders, municipalities and other clients. Declarations Pages are usually issued within three business days of submitting your completed renewal paperwork. Reduce stress and renew early! Renew two to three weeks in advance.
 
How do I request a copy of my insurance documents?
Send your request to info@orep.org. Requests are typically answered same business day.
 
How do I report a Claim/Disciplinary Action?
Send all relevant documents to info@orep.org. Please follow up with a phone call to make sure they arrive. Please notify us as soon as the issue arises as it can complicate the renewal process.
 
How do I increase my coverage?
Please send your request to: info@orep.org.

On your company letterhead (or with your company name/logo), please state the nature of the change you are requesting and the reason (i.e. you would like to increase your coverage to $500,000/$1,000,000 limit because a client requests a minimum limit of $1,000,000). To check what limits are available in your state, please visit our Appraisers page and click on your state. The limits are on page one of the application. An Agent will contact you to assist completing the process after we receive your request.

Please note that this process can be completed within three to four business days once all required documents are received. Also note that a change in coverage is accomplished by endorsement, which is a separate document; a new or substitute Declarations page is not issued by the carrier. Premium limits can be increased seamlessly at renewal. For appraiser clients, we recommend choosing a minimum limit of $500,000/$1,000,000, as this is the typical minimum that lenders/AMCs require. To avoid delays and possible loss of business, it is best to choose a minimum limit of $500,000/$1,000,000.

Appraisers and Agents insured with General Star
Please note that this process can be completed within three to four business days once all required documents are received. Also note that a change in coverage is accomplished by endorsement, which is a separate document; a new or substitute Declarations page is not issued by the carrier. Premium limits can be increased seamlessly at renewal. For appraiser clients, we recommend choosing a minimum limit of $500,000/$1,000,000, as this is the typical minimum that lenders/AMCs require. To avoid delays and possible loss of business, it is best to choose a minimum limit of $500,000/$1,000,000.
 
How do I add/remove insureds from the policy?
Please send your request to info@orep.org.
 
How do I obtain certificates for vendors and others?
Please send your request to info@orep.org. Most certificates can be issued within 24 hours.
 
How do I cancel my policy?
Send your request to info@orep.org. Prorated refunds are typically issued within 30 days.
 
How do I resolve a financing issue or question?
Please refer to your finance agreement for the toll free number of the finance company. You will have to resolve any finance issue directly with the finance company.
 
Why is it so important to renew prior to my expiration date?
Click to read this story and why not renewing on time can mean loss of all your back coverage: Why Canceling E&O Insurance Can Really Cost You!

Many appraisers and other OREP members find that renewing 30 days ahead of time or earlier eliminates “fee panel issues” when submitting updated insurance documents at expiration to AMCs, lenders, municipalities and other clients. Declarations Pages are usually issued within three business days of submitting your completed renewal paperwork. Reduce stress and renew early!
 
What are my OREP Benefits and discounts?
Please click here for all discounts.
 


 
Receive fast, personal service from the OREP staff who have been serving appraisers, inspectors and other real estate professionals for over 16 years.
(David Brauner: Calif. Insurance License 0C89873)

Click Errors and Omissions Programs at right for more information and applications or call us Toll Free: (888) 347-5273. We’re here to help!
 
 
Contact OREP
David Brauner Insurance Services / OREP
6760 University Ave, Suite 250
San Diego, CA 92115
Ph. (888) 347-5273 toll free
Email: info@orep.org
Fax: (619) 704-0567 (preferred) or (619) 269-3884 (alternate)
Hours: Monday – Friday from 8am-5pm PST
Agent/Broker: David Brauner/David Brauner Insurance Services – Calif. Ins. license #0C89873. Licensed in 49 states. Please call for license number in your state.
 

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Offering Real Estate Appraisers Professional Liability Errors and Omissions or E&O Insurance – Inspectors Professional Liability Errors Omissions or E&O Insurance for Real Estate Agents & Brokers Professional Liability or E&O Insurance- Mortgage Brokers and Bankers Professional Liability or E&O Insurance

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