Reduce wind, hail, flood and earthquake deductibles for your clients' high value homes and commercial properties nationwide

Our deductible buyback program provides a valuable solution for your clients facing large deductibles by lowering their out-of-pocket costs. For clients with commercial properties and high-value homes, our comprehensive program can be an option to lower out of pockets expense at time of loss for critical coverage and overall enhanced financial security, backed by A+ XV rated capacity. 

Key features

  • Non-admitted, nationwide program
  • Two different capacity providers
  • “A+ XV” A.M. Best rated carriers
  • In-house authority to $5m in limits
  • Minimum premium: $750
  • Deductible 1% subject to a minimum $5,000
  • Premium is 100% earned at inception unless otherwise agreed
  • Frequently used to meet lender or association bylaw maximum deductible requirements

A+ XV

A.M. best rated carrier

$5m

in limits

Coverages available

Coverage includes:

  • Wind deductible buydown – limit of liability $5m
  • Coverage for commercial properties, apartments,condos
  • High valued homes (must meet minimum dwelling A value of $1.5m)
  • Property, contents and loss of income
  • Other structure coverage available
Aerial view of flooded suburban neighborhood

Target classes

  • Fire resistant/MNC
  • Non-combustible
  • JM/frame/brick veneer
  • Residential
  • Commercial
  • Multi-family
  • Apartments/condos
  • Asphalt shingle
  • Wood shingle
  • Tile shingle
  • Metal
  • TPO/membrane
  • Wind
  • Hail
  • Flood
  • Quake
  • Named storm
  • Calendar year hurricane

Submission requirements

  • Completed ACORD application or excel SOV
  • 5-year loss runs
  • Target premium

Contact the expert

Photo of Patrick  Small

Patrick Small

President, DUAL Specialty Flood

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