Exclusive Lead Opportunity

Feb 20, 2026
46 CR
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Categorization

Locked excess & surplus (likely) homeowners

Underwriting Factors

Strengths
  • Primary residence
  • Existing homeowner with no purchase contingency
  • Fire risk details discussed upfront
  • Client understands underwriting constraints and next steps
  • Client consented to ongoing communication and texting
  • All existing American Modern policies imported for underwriting review
  • Direct phone conversation completed allowing for clearer qualification
  • Actively seeking immediate replacement coverage indicating strong intent to bind
Risk Factors
  • Property located in a designated fire zone
  • Prior carrier American Modern issued a non-renewal
  • Currently uninsured creating urgency and coverage gap
  • Roof age uncertain and appears to be a key underwriting concern
  • Potential need for surplus lines placement
  • Colorado FAIR Plan may be required as a last resort
  • Prospect has contacted other agents though no active quotes yet
  • First street fire zone 4 out 10
Underwriting Notes
  • Previous carrier was American Modern
  • Last insured date confirmed as 01/16
  • FAIR Plan discussed as a last resort due to higher cost and longer turnaround
  • Roof believed to be installed around 2010 but not fully confirmed
  • Prospect acknowledged roof condition may be affecting insurability
  • Spouse exists and would need to be included on the homeowners policy
  • Property owned approximately one year
  • Estimated Zillow property value is $425,000

Key Insights

Est. Annual
Premium
$3900
Intake
Method
Web form
Existing
Policies
Yes
Quote
Ready?
no
Personally
Qualified
Yes
Quoted by
Others
Yes

Prospect Summary

The prospect requested homeowners insurance coverage because American Modern issued a non-renewal on their homeowners policy, leaving the property uninsured, and was directly spoken to over the phone to review the situation in detail. The home is an existing primary residence located in a designated fire zone and has been owned for approximately one year. During the call, the prospect expressed urgency in securing replacement coverage along with concern about affordability and limited standard market options. The potential need for surplus lines placement or, if necessary, the Colorado FAIR Plan was discussed, including realistic cost expectations and potential timelines. The prospect was cooperative and has already provided copies of the expired American Modern policies to assist with underwriting and expedite the quoting process.

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Price
46 CR
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