October 2007 Coach's Quiz

We have given you seven rules to follow to help you make sure you have fair housing discrimination insurance coverage and use it properly. Now let's look at how the rules might apply in the real world. Take the COACH's Quiz to see what you have learned.

INSTRUCTIONS: Each of the following questions has four possible answers. Only one of them is correct. On a separate piece of paper, write down the number of each question, followed by the letter of the answer you think is correct—for example, 1)b, 2)a, and so on.

We have given you seven rules to follow to help you make sure you have fair housing discrimination insurance coverage and use it properly. Now let's look at how the rules might apply in the real world. Take the COACH's Quiz to see what you have learned.

INSTRUCTIONS: Each of the following questions has four possible answers. Only one of them is correct. On a separate piece of paper, write down the number of each question, followed by the letter of the answer you think is correct—for example, 1)b, 2)a, and so on.

COACH's TIP: The correct answers (with explanations) follow the quiz. Good luck!

QUESTION #1

Carmelita, a prospect interested in a one-bedroom unit in your community, was not shown any units on her visit, because there were none available at the time. However, she thinks it was because she is a single mother with a child. Therefore, she has threatened to file a claim of fair housing discrimination with HUD. Your community has a general liability insurance policy. What should you do?

  1. Call Carmelita and offer her a financial settlement because it is covered by your insurance.

  2. Call your insurer and ask whether fair housing claims are covered by your insurance policy.

  3. Ignore the threat and maybe it will go away; if it doesn't, your insurance will cover it.

  4. Offer Carmelita the next available one-bedroom unit in your community.

QUESTION #2

In April, you obtained fair housing discrimination insurance for your community. Carmelita, as in Question #1, is still threatening to file a fair housing claim with HUD because she wasn't shown a one-bedroom unit in January. What should you do?

  1. Ask your insurer whether you are covered for acts that occurred before you bought your fair housing discrimination insurance policy.

  2. Tell Carmelita to proceed with her fair housing claim; you have insurance to cover it.

  3. Ask your insurer whether your policy covers prospects and applicants, as well as residents.

  4. Ask Carmelita what it would take to get her to forget about filing a fair housing claim.

QUESTION #3

Abdul is a Muslim who applied for a studio in your downtown community, which is comprised mostly of Christians and Jews. Your leasing office staff member has suggested to him that he would be happier living in another community of yours, right outside of town, because no Christians or Jews reside there. This is consistent with your unwritten policy about not mixing people of certain religions in particular communities. Abdul has filed a fair housing complaint against your employee, you, and your community. Is it covered by your fair housing insurance policy?

  1. Yes, because your employee didn't actually discriminate against Abdul by rejecting his application.

  2. Yes, because the community policy your employee invoked is unwritten, so Abdul won't be able to prove it exists.

  3. No, because your community policy is discriminatory by its nature, and it is against public policy to insure acts that are intentionally discriminatory.

  4. It depends on whether you win or not.