We’re excited to be open again for binding new HO-3 policies! This includes, for the first time in a while, several Palm Beach County zip codes. Please click here to see the list of open counties.

Quick Reminders:

• All zip codes in Palm Beach, Charlotte, Lee, Collier, and Hillsborough Counties require the construction age of homes to be 10 years old or newer
• Documentation of a valid flood policy is required for all homes within 3 miles of the coast
• The latest Underwriting guidelines can be found here on our website
• If you need additional help, click here to sign up for one of our 15-minute refresher classes

The map below shows the areas open for new HO-3 business.

The Roof Deductible – Standard Option is added automatically to new and renewal business policies that qualify when the deductible amount exceeds the All Other Peril Deductible. It will not be added if a policy does not have wind coverage.

The deductible amount is 2% of the coverage A limit on the policy and the dollar amount of the deductible is displayed on the Declarations Page.

An acceptable signed Rejection of Roof Deductible Form is required to remove the Roof Deductible. As a reminder, the insured must check the rejection box and submit both page 1 and 2. The form is required to be signed and dated by all named insureds. The endorsement can be reviewed at new submission and renewal only.