Please note that we are not saying these are “Deal Breakers,” but rather, “Curve Balls” you want to be aware of & let your insurance agent know about up front so she can place you with an appropriate carrier.

1. Roof Age- Options are more limited at 15+ years
2. Wiring- Aluminum or Clothing wiring limit our options
3. Pipes- Polybutylene, Galvanized or Pex plumbing are curve balls we can work with, as long as it’s in good condition
4. Siding Material- Asbestos or Cement Fiber Siding on older homes- While safety of residents is generally not a concern because of these, the cost of repairing after damage can be high, so some carriers no longer accept it.
5. Claim history- Prior insurance claims for both the borrower & the property affect eligibility with insurance companies
6. Dog Breeds- Don’t shoot the messenger, but many insurance companies have a restricted breed list for dogs. If you have one of these breeds, it’s important to secure insurance with a carrier that accepts all breeds. 

Please visit www.RicciInsuranceGroup.com & Select “Get a Quote” to begin the process of obtaining a personalized insurance quote that will manage these curveballs!