Online Enrollment Frequently Asked Questions
- How do I get started?
- Can I pay with a credit card over the phone?
- Is the web site secure?
- What address should I use?
- How do I know what effective date to use?
- When does my coverage expire?
- I do not have a license number. What should I enter?
- I do not want to enter my social security number. Are there any options?
- I received an error message during enrollment. How can I correct it?
- I am the (responsible, employing broker, etc) am I required to purchase coverage for the firm/entity license?
- I previously enrolled online, but I cannot find where I can increase my limits or add endorsements?
- Can I purchase appraisal coverage only?
- My payment was declined. What can I do?
- How do I get a receipt for my online payment?
- I could not download my certificate. How can I get a copy?
- When will I get my certificate of coverage?
- I noticed an error on my certificate. How can I correct it?
- I could not download my certificate. How can I get a copy?
- I noticed an error on my certificate? How can I correct this?
- Will the real estate commissions be notified that I have coverage?
- Do you notify the real estate commission that I have coverage?
- Can I get a cancellation or refund?
- Can I update my coverage online if my information has changed since I enrolled for coverage?
- For questions not addressed above, please contact us for assistance
Online Enrollment Frequently Asked Questions
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How do I get started? |
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Please select the state you want to enroll and click on the "Enrollment” button on the right hand of the page or on the state drop down menu. Your computer will then be directed to our online enrollment pages. Please follow the directions from there. |
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| 2. |
Can I pay with a credit card over the phone? |
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No. Payment with a credit card (VISA, MasterCard or Discover) is only available through our website. For security and our own E&O reasons we do not accept credit card payments over the phone, fax or mail. No other forms of payments are accepted through our website. If you choose not to process payment through our secure site, you will need to mail your invoice or enrollment form with a check or money order. |
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| 3. |
Is the web site secure?
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Yes. The entire enrollment process is done using a secure server. We use GoDaddy.com SSL to provide the encryption programming that helps to protect your information. |
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| 4. |
What address should I use?
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Please use the complete mailing address where you want information sent. Be sure to include suite, box or PO Box numbers. It does not make any difference if it is a personal or business address.
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| 5. |
How do I know what effective date to use?
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The inception (start) date of all our policies is January 1 except for Mississippi (July 1). You need to choose a date that maintains your continuous coverage. If your current coverage expires on January 1 or July 1 this is the date you should request your new coverage to begin so you can maintain continuous coverage. Failure to maintain continuous coverage will result in the loss of your previously established Retroactive Date (Prior Acts Coverage). This can result in the loss of coverage for all prior real estate activities as defined in the policy.
If your current coverage expires on a date other than January 1, or July 1 for Mississippi, or you are a new licensee or a licensee reactivating a license, please choose the month you want your coverage to start. We use the first of the month to start your coverage regardless of when you enroll during the month. Please keep in mind if you are a new licensee or if you are reactivating your license, coverage will not apply to transactions that occurred before you applied for coverage and your license becomes active. |
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| 6. |
When does my coverage expire?
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All coverage, with the exception of Mississippi expires on January 1 of the following year regardless of when the coverage was purchased. Mississippi policies expire on July1. Tennessess policies are two years and currently expire on January 1, 2019. |
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| 7. |
I do not have a license number. What should I enter?
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You can enroll without a license number. The enrollment process has a box where you can indicate that you do not have a permanent license number. |
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| 8. |
I do not want to enter my social security number. Are there any options? |
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We do not require your full social security number, due to some of the Real Estate Commissions electronic transfer requirements we do request that we be provided with the last four (4) digits of your SS# to avoid any certification problems with the Real Estate Commissions. Your coverage is not affected if you do not provide your social security number, however, it may delay the verification of coverage to any real estate commission that requires it. |
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| 9. |
I received an error message during enrollment. How can I correct it?
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Most error messages are from typing in characters that are not allowed i.e. putting punctuation marks in the name or address fields. The error message should indicate what the error is allowing you to correct the error. If the error message is not clear or you are still having problems, please do not hesitate to contact us. |
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| 10. |
I am the (responsible, employing broker, etc) am I required to purchase coverage for the firm/entity license? |
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In Colorado coverage is required on the firm/entity license if you have additional licensees under your entity license besides yourself. You have the option of purchasing the coverage in all other states.. ** A firm/entity is a corporation, partnership or LLC. |
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| 11. |
I previously enrolled online, but I cannot find where I can increase my limits or add endorsements?
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Our system will allow you to increase limits and add certain endorsements. Please login using your Username and Password. |
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| 12. |
Can I purchase appraisal coverage only?
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This option is not available through this program. The insurance program is designed for real estate agents, and you must hold an active real estate license to purchase this coverage. We do have access to a stand-alone appraisal program. We do not underwrite this program and it does require the completion of an application. Please contact our office at wug@wugieo.com or 800-222-4035 if you want more information. |
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| 13. |
My payment was declined. What can I do?
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Try re-entering your credit card information, verifying that all the numbers and dates are correct and resubmit. If that does not work, you may want to try later in the day. In some cases the declination is the result of the data not being transmitted properly between the credit card processor and the bank. Also there have been instances of banks putting a fraud hold on cards. If it will still not go through, and you have verified that funds are available or there is no fraud hold, please contact us. We will see if we can resolve the problem. |
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How do I get a receipt for my online payment?
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When you finish your enrollment a printable receipt will appear. Also, upon completion of the enrollment process, a receipt will be emailed to the email address you provided. If you did not receive your receipt, you may have entered your email address incorrectly. It is also possible that your email Spam filter may have intercepted it. Please contact us if you cannot locate your receipt. |
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I could not download my certificate. How can I get a copy?
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Your certificate will be sent in a .PDF format. You will need to have Adobe Acrobat Reader or another PDF Reader. If you have trouble downloading the certificate, you may need to upgrade your Adobe or .PDF Reader. For additional assistance, please do not hesitate to contact our office. If you do not have Adobe Acrobat Reader, please click here to get a copy.
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| 16. |
When will I get my certificate of coverage? |
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A certificate will be available for printing at the end of the enrollment process. A certificate will also be emailed to you.In some cases your certificate may be delayed because the information you entered does not match what we have in our system or we do not currently have your information. The most common error is license numbers not matching up. We check the information entered online against what we have in our system and if it does not match up, your online information is not immediately processed. We will manually review the information and make any corrections necessary before the certificates are sent. Depending on the time of the year, this could delay your certificate by several days due to the volume of enrollments. |
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| 17. |
I noticed an error on my certificate. How can I correct it?
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Send us an email at wug@wugieo.com or fax at 502-326-5909 and let us know what correction needs to be made. Please include your name and license number. Once corrected, we will send you a new certificate.
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| 18. |
I could not download my certificate. How can I get a copy? |
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Your certificate will be sent in a .PDF format. You will need to have Adobe Acrobat Reader or another PDF Reader. If you have trouble downloading the certificate, you may need to upgrade your Adobe or .PDF Reader. For additional assistance, please do not hesitate to contact our office. If you do not have Adobe Acrobat Reader, please click here to get a copy. |
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| 19. |
I noticed an error on my certificate? How can I correct this? |
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Errors involving contact information can be corrected by logging into your account online. If it involves other issues or you prefer not to make the change yourself, please send us an email at wug@wugieo.com or fax at 502-326-5909 and let us know what correction needs to be made. Please include your name and license number. Once corrected, we will email you a new certificate. |
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| 20. |
Will the real estate commissions be notified that I have coverage? |
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We notify your home state real estate commission via electronic data interchange. Most states are done daily. Mississippi data feeds are sent each Tuesday and Thursday. If you need verification to a mandated-state other than your home state please be sure to indicate the additional state(s) and license numbers when asked during the online enrollment process. |
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| 21. |
Do you notify the real estate commission that I have coverage?
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We notify your home state real estate commission by daily modem transfers. If you need verification to a mandated-state other than your home state please contact us.
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| 22. |
Can I get a cancellation or refund? |
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Once coverage goes into effect, cancellation or refunds are generally not permitted. All requests for cancellations or refunds must be in writing prior to your effective date of coverage. In the event that a license is never issued, cancellation may be allowed subject to verification. |
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| 23. |
Can I update my coverage online if my information has changed since I enrolled for coverage?
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Certain changes such as correcting contact information, increasing limits and purchasing most endorsements can be done by logging into your account and processing online. |
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For questions not addressed above, please contact us for assistance |
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When contacting us, please you have your license number and the order number (this is listed on your receipt) available. |
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