Wind Deductible Buy-back Insurance

Our wind deductible buy-back 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 limit $750,000 per location
• Builders risk coverage can be considered
• On-line indication application at  Http://www.sigmaprograms.com/indication_18.html

Qualifying factors for eligibility:

·        TIV $35,000,000 any one location.

·        Barrier islands subject to company approval.

·        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:   VA, NC, SC, GA, FL, AL, MS, LA AND TX.  Other states may be considered.