Bind requirements / Underlying HO3 / Validation
HO3 expires more than 6 months before Althea wind would
This needs a quick UW review — it's not a hard block, but we want to confirm the HO is likely to renew their underlying HO3 before we lock 12 months of wind-only coverage on top of it.①
Coverage timing comparison
HO3 effective
Oct 1, 2025
Today
May 19, 2026
HO3 expires
Oct 1, 2026
Althea wind expires
Jun 5, 2027
Gap: 8 months of Althea wind extending beyond HO3 coverage — exceeds 6-month tolerance.
Why we care: Althea wind-only is supplemental — it sits on top of an HO3. If the HO doesn't renew their HO3, your client could end up with wind coverage but no base homeowners. We'd rather flag the gap now than discover it after a claim.
What UW will look at: the carrier (Allstate has a good renewal track record), the HO's tenure with them, and whether there's any reason to expect non-renewal. Most referrals clear within a few hours.
What UW will look at: the carrier (Allstate has a good renewal track record), the HO's tenure with them, and whether there's any reason to expect non-renewal. Most referrals clear within a few hours.
Quote preserved · UW Case #UW-2026-08432 routed automatically
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