High Risk Property. Low stress coverage placement.
Need help? Email Support@bigfoot.insure or call us at 855-900-2960 ext. 4
Many people face hours of time wasted and the stress of shopping around only to find that they have been denied standard homeowners insurance. The reasons homeowners are being excluded from coverage are growing as insurance companies become more adept as spotting potential problems.
Indeed, your home doesn’t have to sit on the Florida coastline or in “Tornado Alley” to be considered a high risk by insurance companies. Flooding, Hail, Wind, Wild Res, Earthquake, Mold Contamination and Crime– all liabilities that could red flag your insured’s home as a high risk. C.I.G is appointed with multiple carriers to address most of these risks.
COVERAGES WE OFFER:
Property & Liability
Off Premises Storage
Earthquake & Wind
SAMPLE RISKS INCLUDE:
QUICK HIGHLIGHTS FOR SURPLUS LINES HOMEOWNERS:
NO ACORD Apps Needed.
Up to 750 (1M in California) in Coverage A in-house with this program (up to $10M as a referral)
Declined due to I.S.O or Fireline Rating (Ex. Hazardhub up to F10)
Quake, Personal Article Floater and Flood available upon request
Primary home, secondary, short term rental, Annual rental, vacant
Single, Duplex, Triplex and Four-plex all are fine
Low Credit Scores O.K.
Up to 3 claims O.K.
Lapse in coverage up to 60 days
Updates within last 20 years to electrical, heating, and plumbing and updates within 35 years for roof
Other underwriters guidelines must be met, but are subject to each risk submitted. Questions or comments? Email Sr. Underwriter and Team Lead of the Personal Lines Adriana Oregon or call us at 303-900-2960 ext. 4.
Be sure to provide the AGENT'S email so that all accounts are under the same login. You can share your login with your C.S.Rs accordingly.
In California we require 100” minimum brush clearance or there is a 10% wildfire deductible.
For more information, visit the CalFire website. Things we look for:
Are there branches near chimneys
Did they at least clear the debris off the roof
Did they clear trees to at least 10 feet from the house
Before getting started:
Looking for the Homeowners application? Check the Homeowners box
Looking for a Personal Article Floater? Check the Personal Article Floater box and click HERE
Need Flood or Earthquake? You can also get started on the supplements HERE
Is the residential property on 200 or more acres? Make a note of this so it is assigned to our Farm & Ranch Underwriter Leta Baker
Is the residential property under construction? Get started HERE
GET STARTED ON A HOMEOWNERS APPLICATION HERE:
Underwriting Portal: https://commercialinsurance.surefyre.co/
Homes & Dwellings
Disaster (Flood & Quake)
Need an agency username? https://commercialinsurance.surefyre.co/page/public/signup/
Please look out for emails from the system (COMMERCIALINSURANCE@SUREFYRE.CO) and add us to your contacts to avoid updates ending up in your junk mail.
To request a change in email for notifications, please contact firstname.lastname@example.org.
Need to make changes? Submit a note in the comments section of the application directly to your underwriter.
Here’s how: BIGFOOT ORIENTATION
Already have a user name? Log on to the portal (https://commercialinsurance.surefyre.co/) and simply click the plus sign in the top right (see below). Forgot your username or password? Click FORGOT PASSWORD.