If you are on the California FAIR Plan, Florida Citizens or Texas TWIA, nobody sends a letter when carriers start writing your profile again. Six questions, and an honest read on whether it is worth re-shopping your file now.
Residual markets exist so that property nobody else will write still has coverage. They are deliberately more expensive and deliberately narrower than a standard policy. That is the design, not a failure of the system.
The problem is what happens next. Carrier appetite moves constantly. Companies re-enter states they left, expand into areas they previously avoided, and quietly change their underwriting boxes. Nobody writes to the policyholder sitting on an expensive plan policy to say the standard market has reopened to their profile. That is the single most common reason people overpay for years.
It reads the pattern — how long you have been on the plan, roof age, claims history, documented mitigation — against how these three markets are behaving right now, and tells you whether re-shopping is likely to be worth your time. It cannot tell you whether a particular carrier will write your particular property. Only a carrier can do that, and only after looking at the file.
This tool reads the pattern, not your property. Send us your declarations page and we will check it against the carriers actually writing in your area right now. No charge, and no obligation to move.
Independent insurance guidance for your home, your business, and your life across state lines.