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We have several new underwriting guides and have made updates to existing underwriting guidelines. Please search by class code or description and review the new guides for risk acceptability, and any additional underwriting details or requirements. Please see your binding underwriter if you have any questions.

Property Notices:

Note – The below rules are not hard coded into Unity. You will need to review and follow the below guidelines accordingly.

All States:

Zinsco, Federal Pacific, Stab-Lok, or Square D Panels or any other panels that have been recalled for fire hazards are strictly prohibited for all risks.
New Business Mono-Line Auto Repair Occupancy is prohibited.

Florida

Tri-County: 1990 or later construction required for Wind Coverage. J/M, MNC, FR, and MFR only.
All Other Counties: New Business with wind must be built in 1980 or later. Frame construction is acceptable in Tier 2.
Tier 1: No new mono-line property coverage with wind. If Property is packaged with GL, you may offer wind coverage.

Texas

Harris County – New Business - Frame or NC Steel Construction must be built 1980 or later for wind coverage, all other types 1950 or newer.
Jefferson County – New Business Frame or NC Steel Construction must be built 2000 or later for wind coverage, all other types 1950 or later.
Tier 1 and Tier 2: No new mono-line property coverage with wind. If Property is packaged with GL, you may offer wind coverage.

Louisiana

Tier 1 and Tier 2 - No new business with wind for buildings built in 1950 or later.
Tier 1 and Tier 2 - No new mono-line business with wind. If Property is packaged with GL, you may offer wind coverage.

California

Habitational Guidelines

Crime Score: 60 or below
Prior to Binding, must confirm electrical has been updated and no Zinsco, Federal Pacific, Stab-Lok, or Square D Panels or any other panels that have been recalled.
No prior Habitability claims
If new venture, must have at least 5 years of prior property management experience.

Wildfire

Score of 42 or Below: Acceptable
Score of 43-55: Max TIV is $2 million. Requires referral.
Score of 56+: Prohibited

Daily Wildfire Impacted ZIP Code Reporting – Suspended Until 2025

IAT Insurance Group would like to notify our agency partners and underwriters that due to the current levels of fire containment and the approaching end of the wildfire season, delivery of the daily Wildfire Impacted ZIP Code Report will be suspended effective Friday, November 15, 2024.

Any current wildfire binding authority restrictions will be lifted as of that date. You may resume binding business that meets our underwriting requirements in all states.

Please remember that even though the wildfire season is drawing to a close, wildfires can and do continue to occur during any time of the year. The National Interagency Fire Center (“NIFC”) is an excellent resource for wildfire information and publishes updated wildfire information every week throughout the year. We encourage you to review the NIFC fire report page here:

https://www.nifc.gov/fireInfo/nfn.htm

We expect to resume daily delivery of the Wildfire Impacted ZIP Code Report in the Spring of 2025.

Thank you for your attention. Please contact your IAT representative if you have any questions.