The prospect is seeking coverage for a single-family residence in Ridgway that was recently inherited through probate. The prior policy with American Modern was non-renewed due to wildfire risk exposure and the carrier no longer servicing Colorado, creating an immediate coverage gap. The American Modern non-renewal letter & policy has been provided. Primary motivation is securing replacement coverage following the non-renewal.
The property is located in a wildfire-exposed area and will likely require Excess & Surplus placement. The home features a metal roof (original to the 1997 build). The owner resides in Washington State, with vehicles registered there. While open to exploring a home and auto bundle to improve eligibility with standard carriers, the out-of-state residency and vehicle registration may complicate bundling options.