Elements Property Insurance Company (EPIC)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No current, carrier-published underwriting, appetite, or producer guidelines for Elements Property Insurance Company (EPIC) are available on public-facing sites. The official company site resolves at elements-ins.com and is referenced consistently by Florida agencies and vendor materials, but it does not expose detailed underwriting criteria or an agent/producer manual. Based on Florida regulatory filings and third-party references, EPIC is/was a Florida-domiciled residential property carrier focused on homeowners and dwelling fire business, written exclusively through its MGA, Elements Property Insurance Managers, LLC.([floir.gov](https://floir.gov/docs-sf/property-casualty-libraries/take-out-companies/old-documents/elements-property-insurance-company/epickeyfinstmt12312016.pdf?sfvrsn=892bcc5a_2&utm_source=openai)) All available information, however, is historical (2013–2016 era) and solvency/claims oriented rather than operational underwriting guidance. There is no reliable, up‑to‑date detail on preferred vs. restricted risks, specific construction or protection requirements, coastal or wind/hail restrictions, or special program niches beyond being a standard Florida homeowners market. Preferred business: Not specified in public sources. Historical descriptions simply state that EPIC targeted Florida homeowners and dwelling fire risks through independent agents, with an emphasis on long‑term policy retention and strong reinsurance support, but they do not enumerate preferred characteristics (e.g., age of home, roof type, prior losses, protection class).([intelligentinsurer.com](https://www.intelligentinsurer.com/insurance/former-citizens-boss-targets-florida-with-start-up?utm_source=openai)) Restricted/declined classes: No public list of ineligible or restricted classes (e.g., older roofs, certain coastal counties, prior sinkhole losses) is available. Any such rules appear only in internal or agent‑only systems. Do not infer specific declination criteria from other Florida carriers; treat EPIC’s rules as unknown unless you have direct program documentation. Geographic appetite: Public filings and directory listings indicate EPIC was licensed and writing residential property only in Florida.([agencyequity.com](https://www.agencyequity.com/listings/insurance-carrier-directory/1-elements-property-insurance-company?utm_source=openai)) There is no evidence of other state filings or expansion. Several Florida agent resources and claims contact sheets continue to list EPIC with Florida-only context, reinforcing that its historical footprint was the Florida homeowners market.([agencyequity.com](https://www.agencyequity.com/listings/insurance-carrier-directory/1-elements-property-insurance-company?utm_source=openai)) No current county‑by‑county or distance‑to‑coast appetite map is published. Submission/inspection notes: - Regulatory financial statements show that all homeowners and dwelling fire business was produced through Elements Property Insurance Managers, LLC as an exclusive MGA, which held production, claims, and underwriting authority (P, CA, C).([floir.gov](https://floir.gov/docs-sf/property-casualty-libraries/take-out-companies/old-documents/elements-property-insurance-company/epickeyfinstmt12312016.pdf?sfvrsn=892bcc5a_2&utm_source=openai)) This implies that submissions and underwriting decisions historically flowed through that MGA or its delegated platforms. - An inspection-vendor portal lists “Elements Property Insurance Company (EPIC)” among selectable carriers for agents, suggesting that new business and renewals required or routinely used third‑party property inspections coordinated via that system, but it does not state specific triggers (e.g., age of home, TIV threshold).([sdii-inspections.com](https://www.sdii-inspections.com/register-agent.aspx?utm_source=openai)) - No public guidance exists on required documentation (photos, proof of updates, 4‑point/wind mitigation forms) or on submission channels (direct upload, comparative rater, or proprietary portal). Treat all such requirements as unknown and verify via internal manuals if you still place or service EPIC policies. Broker/producer instructions: Historic trade‑press coverage notes that EPIC intended to distribute solely through a select group of independent agencies and partner agents, emphasizing long‑term relationships and underwriting discipline, but it does not give concrete producer rules, volume commitments, or contingency terms.([intelligentinsurer.com](https://www.intelligentinsurer.com/insurance/former-citizens-boss-targets-florida-with-start-up?utm_source=openai)) No current appointment criteria, production goals, or binding authority limits are published. Operational guidance for your use: - Treat EPIC as a legacy/special‑situation Florida homeowners market with no reliable current public appetite guide. Do not assume it follows contemporaneous Citizens or other Florida domestics’ guidelines. - For any in‑force EPIC policy activity (endorsements, renewals, remarketing), rely on internal carrier bulletins, historical manuals, and rate/rule filings rather than public web content. - When dealing with agencies that reference EPIC, confirm whether they are instead placing new business with successor or alternative carriers, as many Florida agencies now only list EPIC in claims‑contact tables. Because there is no accessible, up‑to‑date underwriting or appetite page, this refresh cannot provide class‑level or risk‑tier detail. Treat the above as structural context only and default to “unknown—refer to carrier/MGA documentation” for any specific rule questions (eligibility, coverage options, surcharges, or discounts).