ACORD 28 Form
A standardized ACORD evidence of commercial property insurance form used to provide proof of property coverage to mortgagees, landlords, and other interested parties.
The ACORD 28 evidence of commercial property insurance is specifically designed to document property coverage for interested third parties. Unlike the broader ACORD 24, the ACORD 28 focuses on individual property details including building descriptions, coverage amounts, deductibles, valuation methods, and mortgage or loss payee interests.
In COI compliance for commercial real estate, the ACORD 28 is among the most frequently encountered property evidence forms. Lenders require it to verify that financed properties carry adequate insurance, while landlords use it to confirm tenant property coverage meets lease obligations.
Compliance teams should verify that ACORD 28 forms correctly reflect the covered property address, coverage amounts sufficient for contractual requirements, acceptable deductible levels, and proper listing of the certificate holder as mortgagee or loss payee with appropriate standard mortgage clause language where required by the agreement.
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