A new policy, a renewal review and a claim question need different information. Start by stating what you want to understand. The request form records your needs for team review; it does not quote a premium, bind coverage or determine a claim outcome.
Start with the situation that best describes your property. Use these questions to clarify your coverage needs before choosing a policy.
Explain whether you own the property or are buying, the property type and when you need to discuss coverage. Gather the home information an agent may request, but do not submit private policy or purchase documents through this form.
Note your renewal window and the reason for reviewing options. Ask for an explanation of proposed limits, deductibles, exclusions and differences from your existing policy rather than comparing price alone.
List changes to the home or questions you want answered, such as how the roof is treated or whether a particular risk is addressed. Ask a licensed insurance professional to explain the policy language that applies.
State that you are asking about an existing loss or claim. Keep a contractor’s estimate separate from the insurer’s coverage decision. This form does not submit a claim or change an insurer’s requirements.
A written proposal should explain what is included, what still needs a decision, and who is responsible for the next step.
Ask which limits, deductibles and exclusions are included in each proposal and what assumptions were used. Request a written explanation of differences you do not understand.
Ask what must happen before coverage is confirmed and how any proposed change would align with your existing policy. Do not assume that a request or estimate creates coverage.
Check agent credentials and consumer guidance through your state insurance regulator. The relevant rules and policy terms depend on the property and the insurer.
Find state insurance-department help and consumer information about homeowners coverage and claims.
Read the official guidanceRead the federal flood-insurance program’s guidance and discuss property-specific questions with the appropriate insurance professional.
Read the official guidanceShare the service you need, your property ZIP and what you know so far. The next step is HandVetted team review.
Continue to the request pageUse the existing service form below. Consent and submission details are shown in the form.
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