LevelFirst offers a competitive program for monoline wind coverage, a wind deductible buyback and coastal property coverage.

Wind Deductible Buyback

LevelFirst offers a competitive product designed to cover wind, hail and tornado damage. It is intended to cover wind/hail/hurricane areas in tier 1 and tier 2 counties, along with non tier 1 and tier 2 areas.

Special Features:

  • “A” Rated Companies.
  • Minimum Premium of $3,000
  • Fast Turnaround

Complete Submission Includes:

  • ACORD 125-Applicant Info.
  • ACORD 126-Property Section
  • Copy of Primary Quote
  • Supplemental

Special Notes:

  • Minimum Deductible: $5K-$10K depending on state.
  • All construction types accepted
  • No restrictions on distance to coast
  • Overlying wind coverage must be in force
  • Program buys back the wind deductible (5-3-1%) to a lower wind deductible.
  • Replacement cost-basis

Coastal Property:

LevelFirst offers Wind/Hail only and Property All Risk along with Earthquake and Flood coverage to commercial properties in the coastal regions of the Gulf. In addition, LevelFirst offers several additional products including Wind/Hail Deductible Buybacks and Wind/Hail coverage for Named Storm Only and Hurricane Only.

Coverage Highlights

  • Tier 1, Tier 2 and Harris County
  • Minimum Premium $10,000
  • Per risk capacity up to $35MM
  • Ground Up, Primary, Excess and Quota Share accounts
  • Flood coverage available in SHFA’s zones A and V, written in conjunction with wind and/or all peril. Coastal flood coverage only.
  • No inland waterway or zone exposures
  • Will consider unsprinklered wood-frame construction in all target classes
  • Written on a non-admitted E&S basis
  • A-rated carriers

Target Classes

  • Commercial Habitational (condominiums and apartments)
  • Office Buildings and Real Estate
  • Hotels and Motels
  • Retail
  • Hospital and Healthcare
  • Restaurants (Non fast food)
  • Public Entity; including Government, Municipal and School Boards

Monoline Wind

LevelFirst offers a competitive program for monoline wind coverage.


Wind/hail cause of loss coverage form


Limits up to $5mm per location. Full limits only.


  • No EFIS
  • No light metal buildings
  • Minimum distance from coastal water1.5 miles
  • Minimum roof age: 15 years
  • Maximum number of stories: 3
  • Maximum business income limit: 50% of building limit
  • Minimum insurance to value: 90%

Other Information

  • Most construction classes (some distance to coast restrictions for frame).
  • Business income available.
  • Ordinance of law available.