How it works
A coverage review costs nothing and obligates nothing. You send declarations pages; we come back with what is actually covered, what is not, and what it would take to fix it. If your current policy is right, we will tell you that too.
Six steps
That is all we need to start — no application, no credit pull, no obligation. If there is a non-renewal notice or an escrow deadline, include it and we will move that file first.
Replacement cost versus limit. Coinsurance. Sublimits on the things that actually get claimed. Wildfire, water, and earth-movement terms. The liability tower and exactly where it stops.
Plain language: what is covered, what is not, and where the exposure sits. It is yours to keep regardless of whether you ever move the policy to us.
Admitted carriers first when the risk qualifies, then specialist and excess & surplus. You will always be told which channel a quote came from and what that means for you.
Directly with your lender and escrow when there is a transaction, so the insurance requirement is satisfied on their timeline instead of becoming the item that delays funding.
Reviewed well before the date rather than after a notice arrives — because the options available 90 days out are not the options available 10 days out.
What a review is and is not. A coverage review is an analysis of the policy you hold today, delivered in writing. It is not an offer of insurance, a binder, or a guarantee that replacement coverage is available or will be priced at any particular level. Availability and terms are determined by carrier underwriting. We will tell you honestly when we do not believe we can improve on what you already have.
Send the declarations pages. Most reviews come back within one business day.
Start a coverage reviewStart here
Tell us what you are insuring and where it stands. If there is a non-renewal notice or an escrow deadline, say so — those move to the front of the line.
Prefer to talk? Call or text (305) 990-2753 or email team@haymakersre.com
