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
Elements Property Insurance Company (EPIC) is a Florida-domiciled residential property insurer writing homeowners business in Florida through an independent agent network. Publicly available information is limited and no formal, current producer/underwriting guide or appetite summary is posted on EPIC’s own site. As a result, operational guidance below is inferred from regulatory/market context rather than an official underwriting manual and should be confirmed directly with the carrier or current MGA/producer portal. Preferred / target business (inferred): - Florida owner-occupied residential properties written on standard HO forms, placed through appointed independent agents. EPIC is described as a Florida-based homeowner’s insurer writing residential property through a network of agents, suggesting a focus on admitted personal lines homeowners rather than surplus or specialty structures.([clickclaims.com](https://www.clickclaims.com/2016/08/09/elements-adds-iso-and-ofac-to-clickclaims-cms/?utm_source=openai)) Restricted or declined classes (inferred from market/filings, not an explicit EPIC list): - As a Florida homeowner market participant, EPIC is likely to follow common state-approved eligibility patterns: stricter underwriting for older roofs, prior water losses, sinkhole history, prior non-weather losses, and coastal/wind-exposed risks, with ineligible or heavily surcharged business in these buckets. However, there is no carrier-published list of prohibited construction types, occupancy types, roof ages, or prior loss thresholds available publicly at this time. - No evidence of EPIC writing non-residential lines (commercial property, liability, auto, etc.); treat such submissions as out of appetite unless you have explicit program documentation. Geographic notes: - Territory is Florida-only. Multiple third-party references and the Florida OIR/eligible company matrix show EPIC as a Florida residential property writer; there is no indication of active writing in other states.([mergr.com](https://mergr.com/company/elements-property-insurance-co?utm_source=openai)) Submission & policy handling notes (inferred from available data): - Business is placed through appointed agents; all submission procedures, document requirements, and inspection/photograph standards appear to be managed via EPIC’s own agent systems or any affiliated MGA platform. These are not published openly on the public web. - Claims contact numbers are consistently listed as 866-709-8749 and 866-726-3491, and sometimes via partner agency claim-contact lists, confirming active claims infrastructure but not providing underwriting rules.([deerfieldinsurance.net](https://www.deerfieldinsurance.net/claims?utm_source=openai)) Broker/producer instructions (publicly visible): - No open producer guide, appetite guide, or ‘how to submit business’ page is available on elements-ins.com as of March 24, 2026. Appointment processes, binding authority, pre-bind inspection requirements, and referral thresholds appear to be handled off-portal (directly with marketing/underwriting staff) or inside secure agent portals. Practical operational guidance: - Treat EPIC strictly as a Florida personal lines homeowners market; do not quote or market it for other states or non-homeowners products absent specific program materials. - For any concrete underwriting questions (roof age, prior losses, protection class limits, distance-to-coast, minimum Coverage A, etc.), rely on the latest EPIC agency bulletin, rating platform prompts, or contact an EPIC underwriter; there is no reliable public rule set. - Expect EPIC to follow Florida Office of Insurance Regulation (OIR)-approved forms and guidelines and to adjust appetite in line with broader Florida property market conditions; re-validate appetite and moratoriums frequently with the carrier, especially during hurricane season or after major events. Because there is no official public underwriting/appetite document, this guidance should be treated as high-level orientation only and not as a binding eligibility manual.