Florida apartment, underwritten at the building level.
Garden-style and mid-rise apartment communities across Florida. Written on American Coastal Insurance Company paper. Building-level analysis on every risk. A Skyway underwriter on every decision.
Garden-style and mid-rise. Wind-exposed Florida.
The apartment business we know how to underwrite.
Garden-style, mid-rise, walk-up.
Florida coastal territories. Distance to coast and mitigation strategies in place help determine premiums.
Risk-scored at intake. Imagery on every file. Reasoning attached.
Standard form. Florida specifics.
Building, contents, business income, sinkhole, and the wind and sewer sublimits Florida operators expect.
| Coverage | Detail / Limit |
|---|---|
| Building | Included |
| Contents | Included |
| Inflation Guard | Included |
| Ordinance or Law | Included |
| ACV Roof | Optional, by underwriter discretion |
| Sinkhole | Florida statutory |
| Theft | Included |
| Vandalism | Included |
| Business Income and Extra Expense | Included |
| Wind Driven Precipitation | $250,000 |
| Backup of Sewers and Drains | $150,000 |
| Special Cause of Loss Form | Standard, with exclusions per the policy |
AOP. Hurricane. Sinkhole.
Options by location. Buy-downs where the file supports it.
- AOP deductible
- $5,000, $10,000, $25,000, or as agreed
- Hurricane deductible
- 2%, 3%, 5% by location, or buy-down options
- Sinkhole deductible
- Florida statutory minimum, or buy-up to 10%
Scored before the underwriter opens the file.
AI Underwriting handles the repeatable work. The underwriter handles judgment. Reasoning is attached to every quote.
How a submission flows- 1. Risk scoring
Score attached before underwriter review.
- 2. Imagery
Aerial and street-level on every file.
- 3. Portfolio fit
Concentration and accumulation checked.
- 4. Underwriter
A named underwriter signs the bind.
What we need to score a risk.
Send the required items and you'll get a faster quote. Missing pieces are flagged on intake.
- ACORD 125 and 140
- Currently valued loss runs, last 5 years
- Statement of Values (SOV) with each location
- Year built, year of major renovations
- Construction class and roof type
- Distance to coast for each location
- Wind mitigation report, current within 5 years
- 4-point inspection, current within 5 years
- Roof age and recertification status
- Property management notes on recent capex
- Photographs of any non-standard construction
- Currently bound limits and deductibles
Send the submission. Get a decision with the underwriter's reasoning written out.
Through your wholesaler or by email to underwriting@skyway.com. Scored on arrival. Reviewed by an underwriter. Quote, declination, or referral, with the reasoning on the response.