Accurate, timely information is the backbone of smooth underwriting. Even small details—like an incorrect roof age or a slight address mismatch—can cause unexpected delays and slow down your quoting process. By taking a few proactive steps before submitting, you can help underwriters work more efficiently, reduce back-and-forth requests, and deliver a better experience to your clients.
At Orion180, our underwriting experts review thousands of submissions each year. We’ve identified the most common areas where delays occur and the simple checks that make the biggest difference.
Proactive Underwriting Tips for Faster, Cleaner Quotes
- Confirm Key Property Details Early
Verify roof type, age, materials, and any updates before submitting a quote. These details significantly influence eligibility and pricing. - Verify the Address for Accuracy
Address errors are a leading cause of underwriting and inspection delays. Always confirm that the address is correct and matches county property records. - Validate Occupancy and Usage
Ensure the property is owner-occupied when required and that its usage meets eligibility guidelines. Incorrect occupancy often triggers follow-up questions. - Review Prior Losses Thoroughly
Check for recent claims and confirm completed repairs. Clear loss history helps underwriters make quicker, more accurate decisions. - Ensure Accurate Replacement Cost Calculations
Use current building materials, square footage, and labor costs to calculate true replacement value. This minimizes corrections during binding. - Review Guidelines Before Binding
While updates to roof, electrical, plumbing, or HVAC systems aren’t required, age and condition may impact coverage limits. Reviewing guidelines upfront ensures cleaner submissions.
Take Early Action for Major Efficiency Gains
A few proactive checks can dramatically reduce underwriting friction, and keep your submissions moving smoothly.
If you have a property that raises eligibility questions, use our Write with Confidence Program for proactive evaluation. When you identify concerns early in the quoting process, we can help you offer clients a smoother process and keep your workflow moving without surprises.
To request a property review, email wwc@orion180.com with the following:
- Property address
- Occupancy type (Primary or Secondary)
- Brief explanation of the concern
- Photos of the concern (if applicable)
- Front and rear exterior photos of the home
If you have questions or need clarification about underwriting or eligibility, don’t hesitate to contact our Underwriting Support team. Call (866) 590-3550, Ext. 2, or send an email to underwriting@orion180.com.
