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Wind Buy Back

Our wind buy back insurance policy offers an opportunity to provide lower percentage or flat dollar deductibles on any primary policy/carrier.

Product Highlights:

  • If the wind event is covered by the overlying/primary policy, our policy will respond – no waiting for primary policy to pay
  • Company will pay if the loss occurs within our excess limit, less the insured’s SIR/Deductible
  • Follow-form coverage
  • Occurrence or In-Aggregate form options
  • Primary must be in place at time of loss
  • Excess limits up to $1,000,000 per location
  • Builders risk coverage can be considered

Qualifying Factors for Eligibility:

  • Barrier islands
  • Shingle roof age up to 15 yrs
  • Built-up roof age up to 20 yrs
  • Single-ply membrane roofs age up to 30 yrs
  • Metal roofs age up to 30 yrs
  • All construction classes may be considered

Our policy includes on the following terms:

  • 25% minimum earned premium applies
  • $5,000 minimum premium
  • No minimum if written with Empire property programs

Territory:  All States