ACORD 27: How Do You Fill It Out?

Fill out ACORD 27 from verified policy records, not from a lender email alone. This 2016/03 field map shows what agency staff should verify before issuing Evidence of Property Insurance.

ACORD 27 is commonly sent to a mortgagee, lender, landlord, or other interest holder that needs proof a property policy exists. Compare each field with the edition in your agency’s licensed forms library, because ACORD forms are copyrighted and edition-controlled. ACORD’s forms and certificate resources are the right starting point for form purpose and licensing.

TL;DR: ACORD 27 provides evidence of property insurance for a listed property and interested party. It is not an endorsement and does not change coverage. Issue it only after your agency verifies the policy details, additional-interest status, loan number, and requested wording against the policy, endorsement, carrier instructions, and agency authority.

When Should an Agency Use ACORD 27?

ACORD 27 is used to show that property insurance exists for the listed insured, property, and interested party. In an independent agency, the request often comes from a mortgage company, bank, landlord, property manager, finance company, or closing coordinator.

The key word is evidence. ACORD 27 reports information. It does not add a lender, add a location, raise a limit, waive policy conditions, or override policy language.

Common request scenarios include:

• A homeowner refinances and the mortgage company asks for proof of hazard insurance.
• A small commercial client buys a building and the bank needs property evidence before closing.
• A landlord wants proof that a tenant carries property coverage for business personal property.
• A lender asks to be shown as mortgagee, loss payee, or lender’s loss payable.
• A property manager wants evidence for a leased space.

My firm recommendation: treat an ACORD 27 request as a service transaction with coverage consequences. If the request needs a policy change, treat it as an endorsement or coverage-review request. Do not treat it as routine evidence issuance.

Who Should Fill Out ACORD 27?

Agency staff usually prepare ACORD 27 from verified policy records and issue it under agency and carrier rules. A customer service representative (CSR) can gather details, but coverage interpretation, policy changes, and unusual wording should go to licensed staff, an account manager, a producer, or the principal.

A practical split of work looks like this:

Task	Who often handles it	What to verify before moving on
Receive request	Receptionist, CSR, service inbox	Requester name, company, phone, email, deadline
Identify insured and policy	CSR	Named insured, policy number, effective dates
Match property	CSR or account manager	Property address matches the policy, schedule, or account record
Review requested wording	Licensed CSR, account manager, producer	No unsupported coverage-changing language or notice promise
Confirm interest holder	Licensed staff, depending on agency procedure	Mortgagee, loss payee, lender’s loss payable, additional insured, or other status
Issue ACORD 27	Authorized agency staff	Current form edition, carrier instructions, delivery instructions
Log activity	CSR	Copy of form, requester, date, notes in agency management system

Do not issue from memory, last year’s PDF, or a random ACORD 27 fillable file found online. Use your agency management system, carrier portal, or ACORD-licensed forms source. That helps you use the right edition and authorized language.

If the policy is bound but not fully issued, follow your agency and carrier process for binders, evidence, and delivery. Do not turn this article into a blanket issuance rule. It is an operating reference, not legal or errors and omissions (E&O) advice.

How Do You Fill Out ACORD 27?

ACORD 27 should be completed from verified policy records, not from the requester’s email alone. The table below follows the top-to-bottom flow of ACORD 27 2016/03 and separates printed fields from details that often belong in Remarks.

Order	ACORD 27 2016/03 field or section	What goes there	If blank, unavailable, or not applicable
1	Date	Date the evidence form is prepared	Do not use the policy effective date unless it is also the preparation date
2	Agency	Agency name, address, phone, fax if used, email, code, subcode, and customer ID if your system prints them	Leave system codes blank only if your agency system does not use them
3	Insured	Named insured and mailing address as shown on the policy record	Do not substitute a doing-business-as name (DBA), spouse, buyer, or limited liability company (LLC) unless the policy supports it
4	Company	Insurance company providing the property coverage	Use the issuing company shown in your system or carrier record; do not guess from a package nickname
5	Loan Number	Loan number tied to the evidence request	If there is no loan number, document that in the file; do not invent one
6	Policy Number	Current policy number for the property coverage	Do not use a quote number; if a binder process applies, follow agency and carrier procedure
7	Effective Date	Policy effective date for the term being evidenced	Verify current term and pending cancellation status before issuing
8	Expiration Date	Policy expiration date for the term being evidenced	If the form has a continued-until-terminated option, use only when supported by the policy and agency process
9	This Replaces Prior Evidence Dated	Prior evidence date if this form replaces an earlier evidence form	Leave blank if it is not replacing prior evidence, unless your agency procedure says otherwise
10	Property Information, Location and Description	Street address, unit or suite, building description, or scheduled property description	If the requester’s address differs from the policy record, pause and reconcile before issuing
11	Coverage Information, Coverage, Perils, Forms	Property coverage and covered causes of loss as supported by the policy	Do not enter a coverage form because it is common; verify it
12	Amount of Insurance	Limit for the listed property or coverage	Watch blanket limits, scheduled locations, and sublimits; explain only as your forms process permits
13	Deductible	Applicable deductible for the listed coverage	Include separate wind, hail, named storm, or percentage deductibles when verified and applicable
14	Remarks, Including Special Conditions	Clarifying information allowed by your agency, carrier, and forms process	Do not use Remarks to amend coverage, promise notice, or add unsupported lender wording
15	Cancellation	Standard cancellation notice wording printed on the form	Use only notice language supported by the policy, endorsement, carrier instructions, and agency authority
16	Additional Interest, Name and Address	Interested party’s exact legal name and mailing address	Copy from lender instructions, then verify status against policy and agency rules
17	Additional Interest checkboxes	Mortgagee, additional insured, loss payee, or other available status shown on the form	Do not check a status just because the requester used that word; send uncertainty to licensed staff
18	Additional Interest Loan Number	Loan number associated with that interested party, if applicable	If a loan field is available, use it rather than burying the loan number only in Remarks
19	Authorized Representative	Authorized agency representative signature or system-generated signature	Only authorized staff should issue the final evidence form

The two fields I would make required are the property address and additional-interest details. If either is wrong, the lender may reject the form even when the coverage is fine.

Use a simple rule for blanks. A blank field should mean your agency chose to leave it blank. It should not mean the CSR ran out of information. For unknown values, stop and verify. For not-applicable values, follow your agency’s forms procedure instead of inventing shorthand.

What Would a Filled ACORD 27 Look Like?

A filled ACORD 27 should read like a verified policy snapshot, not a custom lender letter. The example below is fully fictional, internally consistent, and for training only. It is not an issued insurance document.

ACORD 27 2016/03 field or section	Fictional example entry
Date	04/16/2026
Agency	[Agency Name], 100 Main Street, Suite 200, Springfield, IL 62701
Agency contact	service@[agencyname].com, 217-555-0142
Insured	Riverbend Bakery LLC, 455 Oak Avenue, Springfield, IL 62704
Company	Prairie Mutual Insurance Company
Loan Number	88442210
Policy Number	CPP 1234567
Effective Date	03/01/2026
Expiration Date	03/01/2027
This Replaces Prior Evidence Dated	Blank
Property Information, Location and Description	455 Oak Avenue, Springfield, IL 62704, one-story masonry bakery building
Coverage, Perils, Forms	Building, Business Personal Property, Special Cause of Loss, subject to policy terms, conditions, and exclusions
Amount of Insurance	Building $850,000; Business Personal Property $175,000
Deductible	$2,500 property deductible
Remarks	Evidence issued for lender records. No separate wind or hail deductible is shown for this fictional location example. Coverage is subject to policy terms, conditions, and exclusions.
Additional Interest, Name and Address	First State Bank, ISAOA ATIMA, 900 Finance Drive, Chicago, IL 60601
Additional Interest status	Mortgagee, if verified and supported by policy and agency procedure
Additional Interest Loan Number	88442210
Authorized Representative	Authorized agency representative

The discipline matters more than the numbers. The property address matches the insured location. The bank name and loan number are captured. The deductible is clear. The remarks do not promise more than the policy provides.

If the bank replies, “Please add 30 days notice of cancellation,” the CSR should not freestyle. Check the policy, endorsement, carrier instructions, and agency authority. If it requires an endorsement or cannot be granted, send it to licensed staff.

What Is the Difference Between ACORD 27, 28, and 25?

ACORD 27 is Evidence of Property Insurance, ACORD 28 is Evidence of Commercial Property Insurance, and ACORD 25 is a Certificate of Liability Insurance. The requester, lender, carrier, or agency procedure should decide which form is right.

Form	Plain-English use	Typical requester	Common agency mistake
ACORD 27	Evidence of Property Insurance	Mortgagee, lender, landlord, loss payee	Treating a policy-change request as routine evidence issuance
ACORD 28	Evidence of Commercial Property Insurance	Commercial lender, bank, loan servicer	Sending ACORD 27 when the requester specifically requires ACORD 28
ACORD 25	Certificate of Liability Insurance	Contract holder, landlord, vendor, client	Sending liability evidence when the request is really for property evidence
ACORD 35	Cancellation request or policy release	Insured, agency, carrier	Treating a lender evidence problem as a cancellation process

For liability certificates, use our ACORD 25 field map. For cancellation requests, see the ACORD 35 cancellation form. The forms often show up in the same service inbox, but they are not interchangeable.

Which ACORD 27 Mistakes Cause Rework?

Many ACORD 27 problems start before the CSR opens the form. A CSR can type every field correctly and still get a rejected form if the agency did not collect the right lender and property details first.

Here are the 9 mistakes I would audit first:

Mistake	Why it causes rework	Better agency rule
1. Wrong property address	The requester may be unable to match evidence to collateral	Ask for the full property address and compare it to the policy location or schedule
2. Missing loan number	A loan servicer may be unable to attach the evidence to the file	Make loan number required when a lender is involved
3. Bad mortgagee clause	The requester may return the evidence for corrected wording	Copy the clause from the lender instructions, then verify status against policy rules
4. Interest type is unclear	Mortgagee, loss payee, lender’s loss payable, and additional insured are not interchangeable	Ask what interest is required and send uncertainty to licensed staff
5. Deductible omitted or simplified	The requester may ask for deductible detail, especially on property risks with special deductibles	Include applicable deductibles based on verified policy records
6. Coverage form guessed	The form can conflict with the actual policy	Verify covered causes of loss and covered property from the policy record
7. Unsupported cancellation wording	The agency may appear to promise notice the policy does not provide	Use only approved wording supported by the policy, endorsement, carrier instructions, and agency authority
8. Stale fillable PDF reused	Old forms and old data can create discrepancies and avoidable E&O exposure	Generate from the current system or authorized forms source
9. Coverage change hidden inside evidence request	The requester asks for something the policy does not currently provide	Treat it as an endorsement or coverage-review request

A practical service process is to receive the request, classify it, verify details, send it to the right person, complete it, and log it. That is the same pattern I recommend in Insurance CSR Workflow—6 Steps That Cut Interruptions.

Where Does Sera Fit With ACORD 27 Requests?

Sera fits before the coverage decision, not inside it. She can receive the request, capture the conversation, and get the details to the right person with context attached, but agency staff should decide whether evidence can be issued.

At Twig, we built Sera for that first response work. Sera is Twig’s AI front desk for local businesses. She answers phone calls, texts, web chats, emails, and WhatsApp messages 24/7, and books callers with your team.

For an ACORD 27 request, Sera can receive the request across phone, SMS, web chat, email, or WhatsApp. She can log the transcript and escalate under rules your agency sets. Every conversation is logged with a full transcript.

Here is the boundary I would keep:

Work item	Sera can help	Person at agency should handle
After-hours lender call	Receive the message and transcript	Decide whether evidence can be issued
Missing property address	Capture what the caller provides	Verify against the policy location or schedule
Loan number and lender contact	Capture in the conversation transcript	Confirm placement on the form and file notes
Special cancellation wording	Escalate under agency rules	Approve, reject, or send for endorsement review
Coverage or limit question	Escalate to a person	Explain coverage, change limits, or advise insured
Form issuance	Not Sera’s job	Authorized agency staff issue the form

The limits matter. Sera does not bind coverage, quote premiums, give coverage advice, issue ACORD forms, or file claims with carriers. Sera has no direct integration with agency management systems (AMS) like EZLynx, HawkSoft, Applied Epic, AMS360, or QQCatalyst. Call notes and request details can go to email or a customer relationship management system (CRM) such as Gmail, HubSpot, Salesforce, or Slack. Twig is SOC 2 Type II certified. Twig is not HIPAA compliant and does not sign business associate agreements (BAAs).

Appointment booking, missed-call text-back, live transfers to a person, and multi-language conversations are included on the Growth plan at $499 per month and above, not on Starter. Pricing starts at $49 per month. Every plan starts with a 15-day free trial, voice included, no credit card. Most businesses are live in under 30 minutes by forwarding the phone line or adding the website chat. You can review Sera pricing or call Sera’s live demo line at (650) 795-7838.

What Should Your Agency Do Next?

The next step is to standardize one ACORD 27 request path before you worry about speed. Paste this into your service inbox procedure, then test it on the next five ACORD 27 requests before you change anything else.

Copy-ready request template:

Required request line	What CSR should capture
Requester	Name, company, phone, email
Insured	Named insured or client name
Policy	Policy number if requester has it
Property	Full property address, suite, unit, or building description
Interest holder	Exact mortgagee, loss payee, lender’s loss payable, or other requested status
Loan	Loan number or account number
Wording	Exact mortgagee clause or special wording requested
Delivery	Email, portal, fax, mailing address, due date, closing date

One rule should be clear to everyone: request capture can be automated, but coverage judgment cannot. If the request changes coverage, changes an insured, changes an interest holder, or asks for special wording, it goes to licensed staff before anything is issued.