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
Direct underwriting, appetite, or producer guidelines for Elements Property Insurance Company (EPIC) are not publicly accessible as of this refresh. The carrier’s primary website (elements-ins.com) is currently returning a 403/forbidden error to automated access, and no alternate public "agents," "producers," "underwriting," or "appetite" microsite could be located. Third‑party references confirm EPIC as a Florida‑domiciled residential property insurer writing homeowners coverage via independent agents, with operations headquartered in Tallahassee and focused on the Florida market, but they do not provide binding or underwriting rules suitable for operational use. Because there is no verifiable, current, carrier‑issued underwriting or appetite guide available online, you should: - Treat all prior internal copies of EPIC guidelines as potentially stale. - Obtain current binding, eligibility, and coastal/catastrophe rules directly from the carrier or its MGA/GA before quoting or binding. - Confirm any special programs (e.g., DP3, condo, seasonal, rental, older roofs, secondary homes) and current moratoria or county‑level restrictions with the carrier in real time. - Follow your network’s or wholesaler’s submission instructions (ACORD, supplemental app, photos/inspections, 4‑point/wind‑mit, prior carrier history, and prior losses) until a current EPIC guide is re‑issued or confirmed. No reliable public details are available on EPIC’s preferred vs. restricted classes, roof age and construction requirements, protection class limits, prior loss thresholds, or detailed geographic appetite beyond "Florida homeowners" generally. For accurate operational guidance, you must rely on direct carrier communications (bulletins, portal messages, and updated manuals) rather than public web sources for this market at this time.