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Following up on our Bulletin of last
week where we announced a streamlining of our underwriting
procedures for new business policies, United Insurance is
pleased to announce that we are revising our roof update
requirements effective immediately. A revised Underwriting
Criteria chart is attached on Page 2 which reflects these
changes. We have also included our latest zip code listing on
Page 3 for your convenience (there are no changes to zip
codes).
The roof
update changes are as follows:
·
Composition shingle requirement changed from 12 years old to
15 years old if 3-tab shingle roofs
·
Composition shingle requirement changed from 12 years old to
20 years old if architectural shingle roofs
·
Metal
roofs changed from 25 years to 30 years
·
Tile roofs
changed from 35 years to 40 years
We have
heard your suggestions about our roof guidelines which is what
precipitated these changes. We want to again tell you how
much United welcomes your feedback. It shows us ways to
improve and to sharpen our competitiveness so that we can
remain strong and assist you in writing more business with us.
Again, we
look forward to your new business and want to thank your for
your contributions toward our current results. We appreciate
your efforts as we move forward.
Please
feel free to contact us at any time if you have any questions:
Margie
Wise,
Marketing Rep –
South
Florida
– ext. 141 –
mwise@upcic.com
Rick Allen,
Marketing Rep – West Central Florida
– ext. 139 –
rallen@upcic.com
Julie
Lowery,
Marketing Rep – Central & North Florida
– ext. 147 –
jlowery@upcic.com
Carolyn
Marro,
AVP,
Marketing – ext. 140 –
cmarro@upcic.com
Mel
Russell, CIC
Chief Underwriting Officer & Senior Vice President
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UNITED
UNDERWRITING CRITERIA |
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Program |
Location |
Year of Construction |
Minimum-Maximum Property Limits |
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HO3 |
Miami-Dade,
Broward & Palm Beach
Counties |
1990
& Newer |
Cov.
A $250,000-$750,000 |
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1989
& Prior |
Cov.
A $300,000-$750,000 |
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Remainder of State |
1990
& Newer |
Cov.
A $150,000-$750,000 |
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1989
& Prior |
Cov.
A $175,000-$750,000 |
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Required for Prior to 1985 – 4 Point Inspection or Proof
of Updates (i.e. invoices for all work performed, or
signed statements by a licensed Florida contractor) –
must be obtained and placed in your files with the
signed application and all other required documentation
prior to binding |
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Older Home Update Requirements (HO3 only - not required
for HO4 or HO6):
• Roof –
15
years old or newer if 3-tab composition shingle; 20
years old or newer if architectural composition shingle;
30 years old or newer if metal; 40 years old or newer if
tile (proof of update must be placed in your files
prior to binding)
• HVAC – 20 years old or newer
• Plumbing – all plumbing should be copper, cast
iron, or PVC (polybutylene piping is ineligible for
United’s programs); if over 25 years old a licensed
Florida plumber or licensed inspector should inspect the
system and certify that it is sound and free of defects
(United’s “Plumbing Certification Form”–available on our
website–may be used for this purpose; 4 point inspection
also acceptable)
• Electrical – minimum of 100 amp service required;
200 preferred (knob and tube wiring, aluminum wiring,
and fuses are unacceptable); if over 25 years old a
licensed Florida electrician or licensed inspector
should inspect the system and certify that it is sound
and free of defects (4 point inspection also acceptable)
– if a Federal Pacific electrical panel is present, the
electrician or inspector must sign off that the box is
sound and free of defects |
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HO4 |
Entire
State |
No
Age Limit |
Cov.
C $10,000-$150,000 |
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HO6 |
Entire
State |
No
Age Limit |
Cov.
A $5,000-$300,000 |
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Cov.
C $10,000-$300,000 |
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DF1&3 |
Miami-Dade,
Broward & Palm Beach
Counties |
2004
& Newer |
Cov.
A $300,000-$600,000 |
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Remainder of State |
2000
& Newer |
Cov.
A $175,000-$600,000 |
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Criteria applying to all programs: |
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Construction:
Frame, Masonry or Superior (no mobile home or modular
home construction) |
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Losses:
One or None in the last three years (excluding
Catastrophe losses) |
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Protection Class:
1 - 9 (see program manuals for Protected Subdivision
rating rule) |
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0'-1,000' from the
Atlantic Ocean
or
Gulf
of Mexico:
no wind coverage |
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Citizens Wind Pool eligible areas:
no wind coverage (except for wind pool areas that extend
onto the inland side of the
Intracoastal Waterway,
excluding Miami-Dade, Broward and
Palm
Beach
counties). Zip code restrictions do not apply to
X-wind business, except in those zips/counties closed
for
ALL
business. |
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OPEN Zip Codes - Miami-Dade, Broward & Palm Beach
Counties - HO3,4&6 and DF1&3 "With Wind" Business |
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CLOSED Zip Codes & Counties - Remainder of State -
HO3,4&6 and DF1&3 - ALL Business |
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Hillsborough |
Marion |
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Miami-Dade |
Broward |
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33527 |
34433 |
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33016 |
33024 |
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33544 |
Pinellas |
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33178 |
33025 |
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33548 |
34683 |
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33182 |
33026 |
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33549 |
34684 |
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33184 |
33028 |
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33556 |
34689 |
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33185 |
33068 |
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33558 |
34695 |
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33193 |
33313 |
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33559 |
34698 |
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33194 |
33314 |
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33594 |
Polk |
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33199 |
33323 |
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33612 |
33830 |
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Palm Beach |
33325 |
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33613 |
33880 |
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33415 |
33332 |
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33614 |
Volusia |
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33421 |
33351 |
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33615 |
32180 |
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33430 |
33442 |
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33617 |
Closed Counties - Closed for ALL Business |
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33438 |
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33618 |
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33448 |
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33624 |
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33459 |
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33625 |
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33476 |
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33634 |
Citrus |
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33493 |
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33635 |
Hernando |
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33637 |
Pasco |
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33647 |
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CLOSED Zip Codes & Counties - Remainder of State -
HO3,4&6 and DF1&3 - "With Wind" Business |
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Brevard |
Charlotte |
Escambia |
Lee |
Manatee |
Martin |
Pinellas |
Saint Lucie |
Sarasota |
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32901 |
33946 |
32502 |
33908 |
34202 |
33455 |
33704 |
34223 |
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32903 |
33948 |
32522 |
33914 |
34203 |
33475 |
33705 |
34949 |
34228 |
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32904 |
Collier |
Franklin |
33921 |
34207 |
34957 |
33706 |
34951 |
34229 |
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32905 |
34102 |
32322 |
33922 |
34209 |
34990 |
33707 |
34952 |
34230 |
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32907 |
34103 |
Indian River |
33924 |
34210 |
34994 |
33708 |
34953 |
34231 |
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32931 |
34106 |
33931 |
34215 |
34996 |
33715 |
34982 |
34232 |
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32935 |
34108 |
32958 |
33956 |
34216 |
34997 |
33741 |
34983 |
34235 |
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32937 |
34113 |
32960 |
33957 |
34217 |
Monroe |
33744 |
34986 |
34236 |
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32940 |
34138 |
32962 |
34134 |
34218 |
Entire County |
33786 |
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34238 |
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32951 |
34139 |
32963 |
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34221 |
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Santa Rosa |
34239 |
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32952 |
34141 |
32967 |
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34228 |
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34242 |
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32953 |
34145 |
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34243 |
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32562 |
34243 |
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32955 |
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34272 |
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34275 |
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34284 |
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34285 |
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34292 |
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34293 |
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