Heritage Property & Casualty
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
Heritage Property & Casualty writes admitted personal residential property business (primarily HO and dwelling) in catastrophe‑exposed states such as Florida and other coastal markets via appointed independent agents. Preferred business / risk profile (inferred from rate and market positioning; carrier does not publish a full public manual): - Well‑maintained, owner‑occupied primary residences with solid prior insurance history and no lapse in coverage. - Newer construction or recently updated roofs, especially in wind / CAT‑exposed areas; risks that meet current building codes and have wind‑mitigation features (hurricane clips, impact protection, hip roofs, etc.). - Properties within standard underwriting values for the program and territory (typical HO limits, not high‑value custom homes) and located in managed communities or standard residential neighborhoods. Restricted / more carefully underwritten risks: - Coastal and wind‑exposed properties, especially in Florida and other hurricane‑prone states; capacity and eligibility are closely managed by county/zip, distance to coast, and roof age/condition. - Older homes without recent updates (roof, electrical, plumbing, HVAC) or with partial updates; subject to stricter inspection and possible condition requirements. - Secondary, seasonal, or rental occupancies, and small schedule of other structures or incidental exposures; may be allowed only within specific programs/forms and subject to surcharges and underwriting review. - Prior loss activity (especially water, roof, or liability losses) or credit / payment concerns – typically acceptable only with limited, well‑documented loss history and evidence of remediation. Commonly declined or ineligible (typical Heritage appetite as communicated to agents; specifics in internal manuals): - Homes with significant unrepaired damage; roofs at or beyond acceptable age for the territory; obsolete or unsafe electrical, plumbing, or heating; or other clear life‑safety or habitability issues. - Properties with multiple recent property losses, significant water or liability claims, evidence of prior fraud, or cancellation/non‑renewal for underwriting reasons by another carrier. - Certain high‑risk locations or construction types as restricted by state filings (very near the coast, high wildfire or flood risk not adequately mitigated, or outside filed territories). Geographic notes: - Heritage is focused on catastrophe‑exposed coastal and near‑coastal states; in Florida and similar markets, new‑business writings may open and close by county or zip based on capacity and regulatory filings. - Agent communications periodically announce moratoria or temporary suspensions of new business around named storm events, rate‑filing transitions, or capacity changes; agents must check current bulletins and comparative raters before binding. Submission / binding expectations (per producer portal structure and standard practice for this carrier): - New business must be submitted through the Heritage online agent/producer portal with full application, required underwriting questions completed, and all mandatory supporting documents (roof documentation, photos, inspections, wind‑mitigation forms where applicable, proof of prior insurance, 4‑point / wind‑mit reports in FL for older homes, etc.). - Binding authority is limited to appointed agencies and only within published binding authority guidelines; binding is suspended during carrier‑announced moratoria (e.g., when a tropical storm or hurricane watch/warning is in effect for the risk location). - Underwriters may request additional documentation for higher‑risk characteristics (recent losses, unique construction, prior non‑renewal); failure to provide satisfactory documentation can result in declination, post‑bind underwriting action, or non‑renewal. Broker / producer notes: - Heritage distributes through contracted independent agents; producers must hold an active appointment and execute a producer agreement before accessing the portal or binding business. - Agents are expected to follow all state‑specific eligibility rules, wind and roof guidelines, and moratoria notices published in the portal and email bulletins; misbinding outside guidelines can result in commission chargebacks or agency underwriting audits. - For borderline or non‑standard risks, agents are directed to contact their assigned underwriter or territory manager before binding and to avoid submitting risks clearly outside appetite (significant prior losses, unmitigated coastal exposures, substandard maintenance). Because Heritage’s detailed underwriting manuals and state‑by‑state appetite grids are kept behind the secure producer portal, treat the above as operational guidance. For real‑time eligibility (especially roof age, coastal distance, county/zip restrictions, and moratoria), log into the Heritage agent portal and review current bulletins and program guides before quoting or binding.