Frame 6 — Property & Coverage

Aerial Map ›

Property address

16573 Pine Valley Ct, Loxley AL 36551 ✓ Rooftop geocode iWe matched the building itself. A parcel-level match also prices. Placing the pin by hand refers the quote for review.

Applicant first name to bind iNeeded to issue the policy, not to price it — you can quote without it. The named insured of record, which may be an LLC, trust or estate, is set at bind.

Applicant last name to bind

Occupancy iOwner, tenant-rental and seasonal all quote. Vacant declines.

Property type iWe write single-family residential (302) only — anything else declines.

Single-family · 302

Claims in the last 6 years iWind or hail losses the homeowner has had, at this address. Asked here rather than at bind so you find out early if a risk is outside appetite. We verify against a loss report before binding.

New home purchase

Prior carrier optional iWho covers the home for wind today, if anyone. It doesn't affect the price — it tells us who we're competing with.

Read-only — everything here comes from the IBHS certificate

Designation

FORTIFIED™ Gold

Expires iThe cert has to be valid at the effective date. An expired cert still prices as FORTIFIED™, but it won't clear eligibility — re-designate first.

Jan 4, 2029

Standard iHurricane or High Wind — the standard the home was certified against. Hurricane-standard Gold and Silver homes get credit for engineered opening protection; High Wind homes don't.

Hurricane

Certification option

Existing home

Hail supplement iThe cert carries the IBHS hail supplement — an IR-4 impact-rated roof cover.

Yes · IR-4

Certified

Feb 4, 2024

Certificate no.

FH-2024-0042318

Designation history

Re-designation — original cert Mar 2019

Year built iChange it if you know better — more than 5 years off our pre-fill refers the quote for review.

Roof install year iWhen the roof was last replaced, not the home's age. Taken from the FORTIFIED™ cert's new-roof date. Never guessed — if the cert doesn't carry one, you have to supply it.

Roof cover iTaken from the FORTIFIED™ cert where it's on there — the cert verifies the cover rather than estimating it.

Roof shape iLeave it as-is if you're not sure. When hip and gable can't be told apart we price both and weight them — a forced guess is worse than an unresolved one.

Roof condition iScored from aerial imagery. Not editable — if it looks wrong, flag the quote and an underwriter reviews it.

Great · 4.3 of 5

Quality grade iBuild-quality grade, A (best) to E. Not editable — it's a modelled grade, and it moves the price more than any other structural field. If it looks wrong, flag the quote for review.

C — standard

Stories

Living area

Wall siding

Opening protection iA Hurricane-standard Gold cert means engineered shutters or impact glass, so we take it as given and it isn't editable. On a Roof-tier home you tell us.

Impact-rated openings

Construction type optional iBlank is fine — the rater falls back to what's typical for a FORTIFIED™ home of this vintage.

Foundation optional iAdd it if you know it; leave it blank and the rater treats it as unknown. Gold-cert anchoring is already priced in either way.

Garage iAttached or detached changes which coverage pays for it — attached sits under the dwelling limit, detached under Coverage B. An attached garage door is also a wind weak point an inspector will look at.

▾ Coverage & terms Coverage A needed 1 required

Coverage

A — Dwelling required iThe rebuild cost at today's prices. We normally pre-fill this and floor it at the replacement cost — we couldn't here, so there's no floor and no ceiling. We check it against the underlying HO3 at bind. No replacement cost available — no floor applies

B — Other structures iDetached structures — garage, shed, fence, pole barn. Additive: it doesn't come out of the dwelling limit. Above 10% you'll be asked to declare the structures.

—

C — Personal property iContents. Additive to Cov A. At 70% we need a contents appraisal.

—

D — Loss of use

—

Contents settlement

Ordinance & law iThe extra cost of rebuilding to current code. 10% is required on every policy — raise it on older homes.

—

Options

Pool / lanai enclosure

Terms

Deductibles — named storm & all other wind/hail iNot set here. We price every deductible tier in one run, so you pick on the next step with the premiums side by side.

Chosen on the quote step ›

Effective date to bind

Total insured value — A+B+C+DSet Coverage A

▸ Coverage & terms A $612,400|B 10%|C 35% RC|D 10%|O&L 10%|TIV $949,220|eff Aug 4, 2026 ✓ Complete

Coverage

A — Dwelling iThe rebuild cost at today's prices, pre-filled from our replacement-cost estimate. You can raise it, not lower it. We check it against the underlying HO3 at bind. Floor $612,400 · raise only

B — Other structures iDetached structures — garage, shed, fence, pole barn. Additive: it doesn't come out of the dwelling limit. Above 10% you'll be asked to declare the structures.

$61,240

C — Personal property iContents. Additive to Cov A. At 70% we need a contents appraisal.

$214,340

D — Loss of use

$61,240

Contents settlement

Ordinance & law iThe extra cost of rebuilding to current code. 10% is required on every policy — raise it on older homes.

$61,240

Options

Pool / lanai enclosure

Terms

Deductibles — named storm & all other wind/hail iNot set here. We price every deductible tier in one run, so you pick on the next step with the premiums side by side.

Chosen on the quote step ›

Effective date to bind

Total insured value — A+B+C+D$949,220

▸ Additional questions Construction No|Unrepaired damage No|Cancelled for cause Yes — referred 1 referral

Is the home under construction or undergoing renovation? iA home mid-build or mid-major-renovation isn't the home we priced — the roof may be open and there's material on site. Routine maintenance is fine; tell us the scope and we'll look.

Is there any unrepaired damage to the home? iExisting damage that hasn't been repaired, whether or not it was claimed. We can't cover wind loss over a defect that's already there — the next storm makes it indistinguishable from a new claim.

Has a carrier cancelled or non-renewed this home for cause in the last 5 years? iFor cause only — non-payment, misrepresentation, or something a carrier found in underwriting. A carrier leaving the market doesn't count, and doesn't refer.

Details — goes to the reviewer