What does ACORD 140 collect on a Stockton building?
ACORD 140 (2016/03) is the Property Section. The ACORD Forms Index, revised September 8, 2026 and checked October 5, 2026, prints that title and that edition. It is the sheet a Stockton building owner, a San Jose tenant, or a Central Valley operator uses to list each premises, what is being insured, the amount, how that amount is meant to be read, and the causes of loss. A public 2014/12 copy prints “Attach to ACORD 125.” The owner knows the roof, the coolers, and who else is in the building. A licensed agent at Insurance City writes the section with the owner, and the applicant signs. The section is not a policy, and it does not state a price. Call (209) 670-1556. The Stockton office is 956 W Robinhood Dr.
A Hammer Lane market, then the columns
Take a family market that owns a one-story building on Hammer Lane in Stockton. The 2014/12 public copy, in a City of Longview filing, opens each premises with a number, a street, a building number, and a building description, then a subject-of-insurance row. The columns are the amount, the coinsurance percent, the valuation, the causes of loss, the inflation-guard percent, the deductible, the deductible type, a blanket number, and the forms and conditions to apply. The index still lists 2016/03. We did not find a later public bulletin that retired it.
The shell is one subject. The coolers, shelves, and stock are business personal property, a different subject. Income that stops when a covered shutdown closes the store is not hidden inside the building amount: the 2014/12 copy says to attach ACORD 810, which the index lists as the 2014/12 business-income, extra-expense, and rental-value supplement. Stock reported on a changing value uses ACORD 811, the 2014/12 value-reporting supplement. A blanket number means several buildings share one amount, as with a shed in Manteca and a cooler in Lodi. A blank number, when the values are shared, makes the row look like one building.
Construction, the hydrant, and who else is inside
That same 2014/12 block asks for construction type, distance to a hydrant and to a fire station, protection class, stories, basements, year built, and total area. It asks for other occupancies, the year of the wiring, plumbing, roof, and heating, the burglar alarm, the sprinkler percent, and the fire alarm. A walk-in that holds produce also hits the spoilage questions and the refrigeration-maintenance question. A mortgagee or loss payee goes under additional interest. Extra names use ACORD 45, which that copy says to attach.
A tenant in a San Jose industrial bay does not own the tilt-up. The subject is the tenant’s improvements and the equipment, not the landlord’s shell. The building description still has to match the operations sentence on the ACORD 125. A second business in the bay belongs on the other-occupancies line. A blank line reads as if the applicant is alone.
Causes of loss, the amount, and the occupancy words
These are the three lines we send back most often on property sections from Stockton, San Jose, and the Central Valley. This is what we see at this office. It is not a published study.
Causes of loss. The column is empty, or earthquake or flood is written there as if those perils were already part of the property request. California Insurance Code §102(a) says fire insurance includes loss by fire, lightning, windstorm, tornado, or earthquake. That defines a class of insurance. It does not say a particular commercial policy includes earthquake. §2070 requires fire policies on California property to be on the standard form, unless the fire coverage, viewed as a whole, is substantially equivalent to or more favorable than that form. On the commercial property accounts we place from Stockton, earthquake and flood are usually a separate placement. An empty causes-of-loss column leaves the amount with no perils named.
The amount, read with the valuation column. Owners put the price paid for the lot, or last year’s inventory at cost, where the row is asking what the subject is worth on this submission. The valuation column says how to read that number. A tenant’s build-out does not belong in the landlord’s building figure. Our commercial property page is the coverage conversation: building or tenant improvements, business personal property, and income after a covered shutdown.
Occupancy. “Retail” or “warehouse,” when the space is a market with a hood and a walk-in, or a cold room in Manteca holding produce. The form has a building description and a line for other occupancies. A city certificate of occupancy, when one exists, is a different paper and does not fill those lines. If the applicant page says “market” and this section says “office,” the file comes back.
The owner signs; we write the section with them
The 2014/12 copy prints a producer’s signature, the producer’s name, and the applicant’s signature. Above those lines it says the signer is an authorized representative of the applicant, that reasonable inquiry was made, and that the answers are true, correct, and complete to the best of the signer’s knowledge. The owner knows the roof year, the walk-in maintenance agreement, and the mortgagee. We write those facts. The owner reads the page and signs. We do not hand over a blank section to decode.
California Insurance Code §332 requires each party to communicate, in good faith, material facts the other party has no means of ascertaining. §331 says concealment, intentional or not, entitles the injured party to rescind. Year built, the other occupancy, and the cause of loss being requested are that kind of fact. The coverage conversation is on our commercial property page, inside business insurance. Call (209) 670-1556 or come to the Stockton office at 956 W Robinhood Dr.
The section hangs on the applicant page
The 2014/12 copy prints “Attach to ACORD 125” under the words Property Section. The forms index lists ACORD 125 (2025/03) as the Commercial Insurance Application, Applicant Information Section. That front page is who the applicant is, where the business operates, and which lines are requested. When property is one of those lines, this section is the premises detail behind it. Our note on the front page is the ACORD 125 explainer. The liability schedule is a different attachment, ACORD 126 (2025/03), the Commercial General Liability Section. A building can need both: the 140 for the shell and the contents, the 126 for the hazard of the operation. Neither one replaces the applicant page.
The index also lists ACORD 125 CA (2023/01) beside the countrywide 125. The insurer’s instructions name which applicant form the file uses. The property section still has to match the locations and the operations on that front page. The liability certificate is ACORD 25 (2025/12). After a property policy is in force, a lender’s packet is a different form: ACORD 27 (2016/03), Evidence of Property Insurance. ACORD 28 (2016/03), Evidence of Commercial Property Insurance, is still only a name in the forms library. The Spanish section is on the Spanish page.
Questions at the Stockton counter
What is the ACORD 140?
The ACORD 140 (2016/03) is the Property Section. The ACORD Forms Index, revised September 8, 2026, prints that title and edition. The section lists each premises, the subject of insurance, the amount, the valuation, and the causes of loss, and a 2014/12 public copy prints Attach to ACORD 125.
Who fills out the ACORD 140?
The applicant supplies the building facts: year built, occupancy, improvements, and the amount. The producer prepares the section. A 2014/12 public copy prints a producer signature and an applicant signature, with a statement that reasonable inquiry was made and the answers are true, correct, and complete to the best of the signer's knowledge.
What belongs in the causes-of-loss column?
The 2014/12 copy prints a Causes of Loss column beside the amount. That column is where the submission names the perils being requested. California Insurance Code section 102(a) defines fire insurance to include loss by fire, lightning, windstorm, tornado, or earthquake. On the commercial property accounts we place from Stockton, earthquake and flood are usually a separate placement, which is also how our commercial property page describes them.
Does the ACORD 140 replace the ACORD 125?
No. The 2014/12 copy prints Attach to ACORD 125. The current applicant section in the ACORD Forms Index is ACORD 125 (2025/03). California files may also include ACORD 125 CA (2023/01), listed in that same index. The liability detail is ACORD 126, a different section.
Which three lines do Central Valley property sections miss?
The causes-of-loss column, the amount paired with the valuation column, and the occupancy words in the building description and the other-occupancies line. A city certificate of occupancy, when one exists, does not fill those lines.
Sources
- ACORD Forms Index (rev. 9/8/2026). Lists 140 2016/03 Property Section; 125 2025/03 Commercial Insurance Application, Applicant Information Section; 125 CA 2023/01 California Commercial Insurance Application; 126 2025/03 Commercial General Liability Section; 810 2014/12 Business Income / Extra Expense / Rental Value Supplement to Property Section; 811 2014/12 Value Reporting Information Supplement to Property Section; 27 2016/03 Evidence of Property Insurance; 28 2016/03 Evidence of Commercial Property Insurance. forms_index.pdf. Checked October 5, 2026.
- City of Longview, Texas, public filing containing ACORD 140 (2014/12), Property Section. It prints “Attach to ACORD 125,” the subject-of-insurance columns, the premises and protection lines, the instruction to attach ACORD 810 and ACORD 811, spoilage and refrigeration-maintenance questions, additional interests, and the producer and applicant signatures. Document Center item 8618. Older edition than the 2016/03 index entry. Checked October 5, 2026.
- California Insurance Code section 102(a): fire insurance includes insurance against loss by fire, lightning, windstorm, tornado, or earthquake. Ins. Code §102. Section 2070: fire policies on subject matter in California shall be on the standard form, with the exception stated in that section. Ins. Code §2070. Section 331 (concealment) and section 332 (communication of material facts). Ins. Code §331; Ins. Code §332. Checked October 5, 2026.
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