Coverage
A real HO-5 on the coast
Open-perils homeowners coverage on wind- and hurricane-exposed homes — replacement cost and real coverage, not a Citizens policy with the gaps your client finds at claim time.
Write Stand · Florida
Write the Florida coastal homes the market is shedding.
Your high-value coastal clients are getting non-renewed, capped, or pushed onto Citizens. Get appointed with Stand and write them a real HO-5 — A- or better paper, parcel-level wind and surge modeling, and mitigation credits that reward hardened construction.
Get appointedThe opportunity
There is a book of business you cannot place yet.
Admitted carriers keep non-renewing and capping high-value coastal homes, and Citizens — with its assessment risk and coverage gaps — is the fallback. Stand was built to write the wind- and hurricane-exposed homes everyone else is shedding, so the accounts you keep losing become accounts you can keep.
The program
Coverage worth re-quoting your Florida book for.
Paper
A- or better, with real capacity
Carrier and reinsurance partners rated A- or better, with capacity for the high-value coastal homes the standard market has retreated from.
Underwriting
Mitigation credits that price the work
FORTIFIED roof, opening protection, wind retrofits — every meaningful mitigation maps to a quantified premium credit. A reason to re-engage every client on your book.
Service
You keep the client. We take the field work.
Stand runs the inspection and the mitigation consult directly with the homeowner. You stay agent-of-record without owning loss control.
How it underwrites
Physics first, then a person.
Every Florida submission runs through Frontier — our catastrophe model — at the parcel level for wind and surge, then a field inspection. Homes that screen out on ZIP-code averages get a real, property-specific look. That is how the hard accounts get to yes.
Simulation first
Frontier models wind and surge for the exact parcel — not the ZIP code.
Field verified
An inspection confirms roof, openings, construction, and elevation.
Mitigation priced
FORTIFIED and wind-hardening work shows up in the number — not a regional average.
48 hrs Submission to estimate
A- or better Carrier & reinsurance paper
2 days From application to a decision
Get appointed to write Florida.
Tell us about your agency. It is a self-serve application — about five minutes — and a team member reviews every request within two business days.
Already appointed? Sign in to the broker portal ↗