WA Fair PlanDwelling Applications:
The Washington FAIR Plan Dwelling Application is now available online and must be completed by a licensed Property and Casualty producer in the State of Washington. Producers must be enrolled with the Washington FAIR Plan to access and submit Dwelling Applications.
Producers and Agents: visit the Producers tab to complete the enrollment process.
Enrolled Producers and Agents may access the online Dwelling application here:
Dwelling applications that are scanned and emailed or mailed will no longer be accepted.
Coverage will become effective once the application is processed, the inspection is completed, the risk is determined to be acceptable by the Washington FAIR Plan, and the requested premium is paid to the Washington FAIR Plan. Since all of this requires a reasonable amount of time, you should submit the application well in advance of the requested policy effective date so that possible coverage gaps can be avoided. Agents do not have authority to bind coverage, act for, or in any way commit the FAIR Plan to coverage.
Applications and/or inspections that reveal a risk is ineligible will be declined and the Washington FAIR Plan will provide a specific reason for the declination.
Commercial Applications:
The Commercial Application is available for download on this website. They may also be obtained by contacting the Washington FAIR Plan office:
Phone: 425.745.9808
E-mail: wafairplan@wafairplan.com
CLICK TO DOWNLOAD FORMS
Forms can be filled out electronically, then printed for original signatures.
We will accept Commercial Applications for Inspection and Insurance that are scanned and emailed or mailed to the FAIR Plan office
Applications must be fully completed on both sides with each question answered. The applicant and the agent must sign the application. For commercial, a separate application is required for each building.
Coverage will become effective once the application is processed, the inspection is completed, the risk is determined to be acceptable by the Washington FAIR Plan and the premium is paid in full to the Washington FAIR Plan. Since all of this requires a reasonable amount of time, you should submit the application well in advance of the requested policy effective date so that possible coverage gaps can be avoided. Agents do not have authority to bind coverage, act for, or in any way commit the FAIR Plan to coverage.
Applications and/or inspections that reveal that a risk is ineligible will be declined and the Washington FAIR Plan will provide a specific reason for the declination.
When an application is received, the Washington FAIR Plan contacts the Washington Surveying and Rating Bureau or other approved organization to order an inspection.
The cooperation of the applicant or their representative is essential to expedite the inspection of a property, since the program requires that the inspection be made in the presence of the applicant or their representative. Also, the inspection covers both the exterior and interior of the building, so the applicant or their representative must have a key to allow access to the interior.
After the inspection is completed, it is evaluated to see if it is within the underwriting standards. The producer and applicant will then be advised that:
(a) the risk is acceptable, or
(b) the risk will be acceptable if improvements are made and confirmed by re-inspection, or
(c) the risk is not acceptable for the reason(s) stated in the notification letter.
After an application is approved, the agent will be notified of the premium amount required. Coverage will not become effective until the FAIR Plan receives full annual payment. The FAIR Plan will send the policy and related documents to the insured and copies of documents to the agent and mortgagee (if applicable).
Premium payment must be by insurance agency check, mortgagee check or certified/cashiers check by mail or by credit/debit card payment through this website. The FAIR Plan does not accept personal checks or checks from a business account affiliated with the named insured.
Full payment is required for new and renewal policies. On renewal policies, a copy of the Renewal Notice and Declarations are sent to the Mortgagee (such as a bank) at the same time they are sent to the Insured. The Insured may arrange with the Mortgagee to pay the renewal premium to the Washington FAIR Plan.
Renewal Premium Notices are mailed approximately 45 days prior to renewal to Named Insured, the Producer and the Mortgagee/Additional Insured if so indicated on the application.
Policies issued through the FAIR Plan will be for a term of one year, and the effective date will be no earlier than the date payment is received by the FAIR Plan.