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  • Do you compete with admitted carriers?

    If you are holding an admitted market quote, we feel it is best you place coverage with that market.
  • Do you write wind in Florida?

    Yes, we write through our various markets. In the Tri-County area (Dade, Broward, Palm Beach) and the rest of the state. We will need a fully completed homeowners application (preferably the one on our website under the Applications tab as we use it for all our markets) and a wind mitigation inspection report. Outside of the Tri-County, a wind mitigation inspection report is not always necessary.
  • Do you write in other Catastrophic Areas?

    Yes, we write nationwide and we like catastrophically exposed risks.
  • Do you write LLCs, partnerships, trusts?

    In most instances we write all types of ownership. All we need to consider the risk is a fully completed homeowners application and a corporate questionnaire, which can be found our website under the Applications tab.
  • Do you write builders risks?

    Yes, from ground-up projects to existing structures (those that have already been started). We will need a fully completed homeowners application (preferably the one on our website under the Applications tab as we use it for all our markets) and a builders risk supplement.
  • What if the owner is acting as his own general contractor?

    We have access to markets that will write these risks.
  • Do you write primary flood coverage or excess flood coverage?

    We do not normally write primary flood coverage, but at times we can offer primary flood coverage in COBRA Zones, but this is done on a case by case basis. As for excess flood, yes we will write it. We will need the underlying flood Dec, an elevation certificate and an excess flood application.
  • Do you obtain quotes from all available markets?

    We model risks in all our carriers and offer the agent the best terms available. At times, when quotes are close in terms and pricing, we will release multiple terms.
  • How quickly can I expect a quote?

    If the information is complete, our turnaround time is same day to 24 hours, but the application must be complete with update information (year and type) and if there are any losses, please provide a description of these losses and what has been done to remediate them and possibly prevent any re-occurence.
  • Are standard percentages used on the application in regards to Coverages A, B, C, D?

    The insured pays for every single dollar of coverage in the E&S market. Coverages A and B have to be insured to 100% of their replacement cost. As a note, the insured may elect to not have any coverage for Coverage B. As for Coverage C, bear in mind that it will be rare that an insured needs 70% in contents in the afforded living area, every dollar counts. Also, any content that should be scheduled is not to be included in the contents limtis. Coverage D is not unlimited and most E&S markets will allow up to 20% of Coverage A, but again, is this a second or third residence for the insured, does he or she really need this limit as every dollar counts.

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