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      Delos Battlecard

       

      Delos-2

       

      Phone Number(s):

      • Policy Changes (Effective date changes, mortgage updates, cancellations, adding insureds to policy, coverage changes, post-bind payments and bill plan changes, mailing address changes): 888-823.3567, extension 1 
      • Underwriting: 888.823.3567, extension 2

       

      Email(s):

      • For inquiries about:
      • For tech issues:
        • Agent Portal error codes/messages
          • tech-support@getdelos.com 
          • Include in subject line:
            • “Bug Report”
            • Property address
            • Quote number (if applicable)
            • Please explain the issue in email

       

      Customer Service Hours of Operation:

      • Monday  to Friday 8:00 AM to 5:00 PM PST 





      Current Lines of Business/States:

      • Homeowners with Homesite: CA
      • Landlord/ Tenant with Homesite: CA
      • Vacant Home Program with Lloyds: CA
      • NOTE: We write both admitted and non-admitted products with Delos. 

       

      Carrier Access:

      • Shared Login in LastPass

       

      Quote Bots:

      • Not available in rater; requires manual quoting
      • Quotebot is currently setup for this carrier 

       

      Application Type: 

      • DocuSign
      • NOTE: SL2 forms must be completed & manually uploaded after binding as well as at renewal

       

      Carrier Market:

      • Homeowners with Homesite
          • Homesite/Delos will provide coverage for a one, two, three, or four-family owner-occupied dwelling used as a primary residence or a dwelling used as a seasonal/secondary residence.
            • At new business, homes 30 years old or older will be limited to $10,000 of water damage coverage using the Limited Water Damage Coverage Endorsement. 
            • Homes with roofs older than 10 years will have the Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing endorsement included.
      • Landlords with Homesite
          • Homesite/Delos will provide coverage for a one-, two--, three-, or four-family owner-occupied dwelling used by a tenant for a minimum of a year. The maximum number of rental properties may not exceed four locations.
      • Vacant Home Product with Lloyds
        • Delos/Lloyd’s will provide coverage for a one or two-family vacant home. The entire property (including any
        • outbuildings) must be vacant and unoccupied. Delos/Lloyd’s provides a non-admitted DP-3-based policy with open perils coverage on the dwelling and
        • other structures, and named perils on personal property, subject to policy exclusions for each coverage.

       

      Important Guidelines:

      • The following risks are not acceptable:
      • Homeowners with Homesite:
      • Homes that are not owner-occupied
            • Vacant Homes
            • Homes rented to others (includes short-term rentals)
            • Business on the premises
            • Properties with more than one home on the property (even if separate addresses)
            • Condos
            • Mobile Homes
            • Log Homes
            • Square footage over 5,000 
            • Homes over 100 years old
            • More than 2 losses in the past 5 year
            • More than 1 claim in the past 5 years due to all causes of loss other than the weight of ice, snow, sleet; windstorm; lightning; hail; earthquake; or flood
            • Non-act-of-god fire claim(s) with cumulative losses of more than $10k in past 5 year
            • Applicants or properties with an open claim
      • Landlord with Homesite:
          • All unacceptable risks are described for Homeowners, however, additional risks include:
            • Cannot own more than 4 rental locations
            • Properties with more than one street address
            • Number of families per unit >2
          • Vacant Home with Lloyds:
            • Homes/properties that are currently and actively rented to others
            • Business on the premise
            • Properties with more than one home on the property (even if there are two separate addresses)
            • Applicants who own more than 3 rental properties
            • More than 2 separate living units
            • Number of families per unit > 6
            • Number of roomers/boarders per family > 6
            • Risks with exotic animals and liability coverage are requested
            • Condominium units
            • Square footage ≥ 5000
            • Homes 100 or more years old
            • Log homes and/or homes with wood roof
            • Mobile/modular/manufactured home
            • Properties >10 acreD
            • Dwellings >3 storieD
            • Homes on a slope ≥45 degrees
            • Homes recognized as historical buildings
            • H Homes that have been vacant >36 months
            • H Homes with structural damag>
            • Risks with buildings that are not secured
            • against unauthorized entry
            • Risks where the insured’s property isn’t kept locked inside a building or secure fence
            • Risks >7 miles from a fire dept and/or >1500 feet from a hydrant/water source
              • PPC 9/10 will be evaluated by Delos wildfire model and may be ineligible
            • Homes with adverse conditions/hazards that display a lack of maintenance
            • Liability coverage is requested, but the pool or spa is not adequately fenced or covered and/or has a slide or diving board
            • Applicants with 3 or more mortgages
            • >3 losses in the past 3 years
            • >1 claim of same type in the past 3 years
            • ‘Non-act-of-god’ fire claim(s) with cumulative losses >$10k in past 5 year8
            •  >2 cancellations due to non-payment in the past 3 years

       


      Additional Resources: