A real HO-3 on the coast
Open-perils dwelling 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
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Get appointedThe opportunity
Move coastal clients off Citizens.
Many of your high-value coastal clients sit on Citizens, with its assessment risk and coverage gaps. Stand writes them an admitted HO-3, so the accounts you keep losing become accounts you can keep.
The program
Coverage worth re-quoting your Florida book for.
Hurricane wind included
Wind sits inside the policy, with a hurricane deductible of 2%, 5% or 10% of Coverage A.
Credits for proven wind features
Roof-to-wall connections, opening protection and roof shape earn the filed credits once the wind mitigation form proves them.
You keep the client. We take the field work.
Stand runs the inspection directly with the homeowner. You stay agent-of-record without owning loss control.
How it underwrites
The filed rate, then the house.
Florida is priced on Stand's filed rate. The wind mitigation form proves the home's wind features, and an inspection after bind confirms them.
- 01
Filed rate
Year built picks the rating table. Proven wind credits apply at quote.
- 02
Wind features proven
Form OIR-B1-1802 records the roof, its connections and the openings.
- 03
Checked after bind
An inspection confirms roof, openings, construction and elevation. Stand pays for it.
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