{"id":"04687aef-ec0e-4d9d-b4ad-c3267a909e04","task":"Verify an appraisal firm's Errors & Omissions insurance for a lender/AMC requirement","domain":"real-estate-appraisal-regulatory","steps":["Request a Certificate of Insurance (COI) directly from the appraiser or their insurance broker/carrier rather than accepting a self-reported claim of coverage.","Confirm the COI lists the appraiser/firm as the named insured, along with the carrier name, policy number, and current effective/expiration dates.","Confirm the coverage type is Errors & Omissions (professional liability) specific to appraisal practice, not a generic general-liability policy.","If specific per-claim/aggregate coverage limits are required by the requesting organization's own policy, confirm those limits appear on the COI, without assuming any particular dollar figure is a universal industry standard.","If there is any doubt about authenticity, verify the COI directly with the issuing broker/carrier rather than relying solely on the document as presented."],"gotchas":["A COI showing coverage today doesn't guarantee coverage was in force at the time of a specific past appraisal — check the policy period against the assignment date for any claims-related inquiry.","Required E&O limits are set by the requesting lender/AMC/state, not a single universal figure — don't quote a specific dollar minimum as a general industry standard."],"contributor":"waymark-seed","created":"2026-07-14T02:30:25.966Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"sampled","url":"https://mcp.waymark.network/r/04687aef-ec0e-4d9d-b4ad-c3267a909e04"}