We are delighted to inform you that we now have TWO Roof Deductible Endorsements to help reduce your clients’ home insurance premium. 

Our newest Roof Deductible Endorsement, referred to as the Standard Option, follows the approved guidelines outlined in the special legislative session, with the deductible calculated at 2% of Coverage A. We will be applying this Roof Deductible to all new policies beginning 3/17/2023, and existing policies upon renewal with effective dates beginning 5/16/2023, when the AOP deductible is not greater than 2% of the Coverage A limit. Click here for complete guidelines. As a result of the Standard Option Roof Deductible based on 2% of Coverage A, Underwriting will require new business to be within the Verisk 360Value RCE range and a UR will populate should Coverage A be selected below or above the range.

We still encourage you to apply our original Roof Deductible, now called the Higher Discount Option, to all homes with roofs more than halfway through their useful life, when your clients are looking to lower their premium even further, or if you have difficulty finding coverage for them. Click here for complete guidelines.

Your clients will always know upfront what their deductible is, which will be clearly stated on their Dec Page, since our Roof Deductible Endorsements are not based on ACV, unlike other carriers.

Thank you,

Agency Support Team
Personalized Service, Customized Solutions
Agency Support:  561-235-7004
Agency Underwriting:  561-609-1001