I have a new client that came to me because his former agent could not produce a copy of his actual policy on a home that burned in 2010. He offered the declaration page only but evidently didn't keep a copy of the policy. The GA that the policy was written through has since gone out of business and the agency says they don't keep copies of the policy either. They send them electronically to the agent to distribute to the client and that's it. This all seems to be in contrast with document retention guidelines but I can't find anything specific at the TDI website. With more and more carriers send docs via email, it may be a good time to revisit practices and I want to make sure exactly what our responsibility is. Per the other agent, TDI and his E&O carrier said he has nothing to worry about since the policy and the loss were 2 years old. Any retention guideline I've ever seen said 7 years. Aren't we as agents required to keep the actual policy not just dec pages longer than 2 years???? I'm interested in getting other agent's perspective on what our retention expectation is on the actual policy document, not just the dec pages.