A real estate referral involving earthquake insurance should transfer observable status—not a coverage or safety conclusion. With the client’s consent, record the exact property, whether the current policy was reviewed, whether a written earthquake quote exists, the deductible and exclusions still needing explanation, inspection or engineering status, lender and contract deadlines, verified receiving professional, and one acknowledged next action.
Use a status card, not the whole private file
Share only the minimum information the client authorizes and the receiving professional needs: property, current stage, policy or quote status, open question, deadline, and responsible contact. Do not forward account numbers, complete policies, identity documents, financial records, or unrelated medical and household information by default.
Separate coverage, property, and transaction owners
The licensed insurer explains coverage and exclusions. Inspectors, engineers, contractors, and public offices address building questions. The lender states financing requirements. The receiving brokerage coordinates real-estate work. Tax and legal conclusions stay with the CPA and attorney. One handoff should show which lane is open and who owns it.
Verify the receiver and obtain acknowledgment
Check the receiving real-estate professional’s current license and role, confirm the secure contact method, and obtain acknowledgment of the property, status, deadline, and next action. A sent introduction does not prove that the insurance or inspection question was accepted.
Example: the quote exists but the deductible is unclear
The client authorizes the referring agent to share that a written earthquake quote exists, the deductible needs explanation, and the insurance-contingency deadline is Friday. The receiving agent acknowledges the handoff and coordinates the client’s call with the insurer. The referring agent does not summarize the policy as adequate or inadequate.
FAQ
What belongs in an earthquake-insurance referral handoff?
The exact property, consent, policy or quote status, open deductible and exclusion questions, inspection status, lender or contract deadline, verified receiver, secure contact method, and acknowledged next action.
Should the referring agent explain whether the policy is enough?
No. Preserve the observable status and route coverage, premium, deductible, limits, exclusions, and claims questions to the licensed insurer.
Should the complete insurance policy be attached?
Not by default. Share only what the client authorizes and the receiver needs, using an appropriate secure channel. Record where the source document is held and who will review it.
Primary sources and limits
- Nevada Division of Insurance, Earthquake Insurance
- Nevada Division of Insurance, Homeowners Insurance
- Nevada Office of Emergency Management, Earthquakes
- Nevada Real Estate Division, License Lookup
General education only. A policy label, quote, fault map, building age, inspection note, lender message, or exchange structure does not by itself establish coverage, premium, deductible exposure, safety, property condition, financing requirement, value, or tax outcome. Confirm the exact property, declarations, endorsements, exclusions, written quote, deductible basis, limits, effective date, lender requirement, inspection or engineering needs, deadlines, and operating implications with the insurer, lender, responsible public office, inspector, engineer, contractor, attorney, CPA, and qualified intermediary as appropriate. No individualized legal, tax, lending, securities, insurance, privacy, compliance, or investment advice is provided.
Related: insurance continuity after closing, Nevada receiver license verification, contact You Decide Referral.