Overview of the Program From U.S. Risk
U.S. Risk is a leading Excess & Surplus Lines Broker with deep experience in catastrophe-prone markets. Our Wind Deductible Buyback Insurance program is structured to help agents protect their clients’ assets by covering the portion of a wind deductible that may otherwise be financially devastating. Whether your client owns a single coastal property or a schedule of up to five locations, we provide access to a broad network of carriers and tailored underwriting solutions.
Ideal Accounts and Appetite
This program is a strong fit for:
- Commercial buildings including retail centers, office buildings, and industrial facilities
- Residential properties such as rental homes, condos, and multi-family units
- Builder’s risk projects in coastal exposure zones
We typically target properties located in Tier 1 and Tier 2 counties with high wind exposure, especially those located near water or in hurricane-prone regions. Overlying wind coverage must be in force to qualify for this buyback layer.
Coverage Highlights and Advantages
- Limits of Liability: Up to $1,000,000
- Minimum Deductible: $5,000–$10,000 (varies by state, construction type, and proximity to water)
- Minimum Premium: $2,000
- Builder’s Risk Coverage: Available
- Quick Quotes & Fast Turnaround: Streamlined submission process
This program is non-admitted in all available states, allowing for greater flexibility in coverage terms and underwriting.
Underwriting Notes and Minimum Premiums
We evaluate each risk based on location, construction type, number of stories, distance to coastline, and other property-specific factors. The minimum premium for this program starts at $2,000, and underwriting is available for accounts with deductibles starting at $5,000. Submissions with complete property data and overlying wind policies in force receive faster quote turnaround.
Territories and Availability
This program is available in the following coastal and wind-prone states:
AL, CT, DE, FL, GA, HI, LA, ME, MD, MA, MS, NJ, NY, NC, RI, SC, TX, VA
We focus on Tier 1 and Tier 2 counties within these states, where wind deductibles are typically high and clients are especially vulnerable to storm-related losses.
Why Work With U.S. Risk on Wind Deductible Buyback
U.S. Risk brings extensive knowledge of wind-exposed markets and access to multiple E&S carriers that specialize in catastrophe-driven risks. Our team delivers quick quotes, flexible solutions, and reliable service to help you place challenging accounts efficiently. Whether you’re working with a property owner with a $250,000 wind deductible or a builder developing in a hurricane zone, we can help you secure meaningful protection for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include residential and commercial properties in coastal Tier 1 and Tier 2 counties, especially those with significant wind deductibles and existing wind coverage in place.
Can this coverage be used with Builder’s Risk policies?
Yes, Wind Deductible Buyback Insurance is available for Builder’s Risk projects, provided the underlying wind coverage is active.
What is the minimum premium for this coverage?
The minimum premium starts at $2,000, though pricing may vary based on location, construction, and other risk factors.
How many properties can be included in one schedule?
This program can accommodate single property risks or schedules of up to five locations.
Is this program available nationwide?
No, availability is limited to select states including AL, FL, LA, TX, and other wind-prone coastal regions. Refer to the full list above for all eligible states.
Need help placing an account? Connect with a market specialist.