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
Verified the official carrier website, but no current public underwriting, appetite, producer, broker, or submit-business guidance page could be confirmed on the carrier site. Based on official historical/regulatory material, Elements Property Insurance Company (EPIC) is a Florida-domiciled residential property insurer focused on homeowners business distributed through independent agents in Florida. Publicly available official material reviewed did not provide a current appetite guide, class-by-class eligibility grid, restricted or declined risk list, county/geographic concentration guide, inspection standards, valuation rules, wind/hail or coastal restrictions, or producer submission instructions. Operationally, treat EPIC as Florida home-focused only, with underwriting details and submission requirements not publicly posted/verified from the official website. Broker/producer note: no verified current producer portal, appointment instructions, or new-business submission workflow was found on the official site; placement or appetite confirmation likely requires direct carrier or appointed-agent contact. Historical non-underwriting sources indicate EPIC wrote Florida residential property through an independent agent network and had Citizens takeout/voluntary market activity, but those items are dated and should not be relied on as current underwriting guidance without direct carrier confirmation.