Start with your current policy or renewal. A named specialist reviews valuation, wind and flood structure, and carrier fit — initial quotes typically within 24 hours.
Confidential. Nothing is presented to any market without your written approval.
We work from your declarations page or renewal, extract what is already documented, and ask only for what is missing. You review our findings before any market sees the account.
Elevation, opening protection and distance to open water drive both carrier eligibility and pricing. Most declines are geography, not the house.
What brings you here?
Get us the declarations page — whichever way is easiest.
Forward the renewal or policy email to:
We'll draft the request — you send it from your own email so they know it's really you.
When will you have it in front of you?
Read by one licensed specialist. Never sold or added to a list; deleted on request. Requesting a review does not affect your current policy, and we do not contact your current agent or carrier without your permission.
Your current policy, renewal, or nonrenewal notice — uploaded, forwarded, or sent by whoever has it.
A specialist extracts what is already documented and asks only for what's missing. No re-typing what we can already read.
You see our findings and the proposed approach first. Then, and only then, the account goes to market.
Nothing is presented to any market without your written approval. A first submission can control a market for your account — that discipline protects your options, not just your privacy.
Twenty years managing insurance operations across more than $100M in premiums. Jenn runs the review process — she's why "24 hours" is a measured number, not a slogan.
Published in the American Journal of Actuarial Science on nuclear verdicts and fat-tail liability. Structures the wind, flood and liability architecture on complex coastal accounts.
Specialist in high-value homeowners and short-term-rental placements — including the occupancy and rental-use questions that quietly void coverage when answered wrong.
An anonymized coastal file. The owner believed the program was airtight; the review returned four findings.
Five percent reads as a number and arrives as a bill. On this dwelling it was $162,500 — an amount the owner had never consciously chosen. The restructure traded a modest premium change for a deductible they'd actually elect.
Florida coastal code has moved; ten percent assumed it hadn't. Resized against what rebuilding to current requirements actually costs in this county.
NFIP stops at $250,000 on the structure. A private excess flood placement closed the gap between the cap and the true replacement value.
Screened enclosures are excluded or sublimited so routinely that owners assume otherwise. Now scheduled explicitly, with the dock and lift reviewed in the same pass.
No — not without your explicit permission. Many clients are simply verifying their coverage; discretion is assumed, not requested.
No. One document starts the review. We extract what's already in it and ask only for what's genuinely missing — you will not re-type information we can already read.
The declarations page — the first few pages of your policy or renewal packet showing carrier, limits, deductibles and premium. The renewal email attachment is usually exactly this. If in doubt, send what you have; we'll sort it.
Yes, and it's common. Choose "someone else has it" above and we draft the request for you to send — they upload directly, and you stay in control of the account.
Call rather than upload — deadline placements are a normal part of our work, and the honest answer about feasibility takes one conversation.
They're read by one licensed specialist, stored securely, never sold or added to any marketing list, and deleted on request. Requesting a review has no effect on your current policy.
“Walked me through step by step details of all the benefits and discounts I was entitled to.”
Lily — initial audit“The odd thing about it is that she called me a few days later to make sure everything was ok.”
Janice — flood claim“They handled the home, the auto and the boat together instead of three separate conversations.”
Paul — multi-policyStart the review. A named specialist replies within 24 hours.