Underwriting New Business

Don't leave money on the table.

Can you imagine purchasing a home after only looking at its blue prints?

What if the kitchen cupboards were not made from cherry as the blue prints stated? What if the carpeting had been ripped out? What if the siding needed to be replaced?

Seems like an awfully risky proposition doesn’t it?

The same can be said of pricing a new policy without thoroughly investigating the property-it’s an awfully risky proposition.

That is why we pioneered the “total-component” approach to underwriting property valuation. This approach allows us to look past square footage and zip codes to look at the actual make up of a home to assess its true value.

By thoroughly studying all of a property’s components, you will avoid leaving money on the table and exposing yourself to litigation by undervaluing a policy. Conversely, you will also avoid large loss ratios by overvaluing a property.