HO3 or DP1: choosing the coverage basis for a hard-to-place home
When replacement cost holds, and when actual cash value wins the placement.
What underwriting looks for in a well-kept older home
Roof age is a factor, not a verdict. Here is how these files clear.
Four ways to keep a hard risk open
A conditional decline is not a dead file. Here are the four levers that keep it alive.
When to send it to Sycamore: a quick appetite gut-check
A 60-second read to tell you whether a risk is worth a submission.
Sycamore stands on its own
What the 2024 separation means for the agents who write our programs, and what stays the same.