Coverage Gap Self-Assessment
Prepare a Coverage Review Checklist
Answer ten questions about homeowners coverage without giving contact information. Select an answer, then Next. Choose Not Sure for details you need to verify and Does Not Apply where appropriate.
Understand Your Results
Self-reported potential concerns and unknown details appear separately. The checklist does not determine coverage, adequacy or risk. Check your declarations, endorsements and exclusions with your agent or insurer.
Ask for a Policy Review
Ask TCDS for a free policy review and instructions for sharing documents securely.
Frequently Asked Questions
Does this assessment determine my coverage or risk?
No. It organizes self-reported answers into discussion topics and unknown policy details. The actual policy and circumstances determine coverage.
What happens when I answer Not Sure?
The detail appears in a separate list to verify. Uncertainty is not treated as a confirmed coverage gap or a Critical risk rating.
What if a question does not apply?
Choose Does Not Apply. It is not added to potential concerns or unknown details.
Do I need to provide contact information?
No. Complete the checklist without contact information. You can separately request a free policy review and ask how to share documents securely.