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Hi All, I'm in some uncharted territory, preparing to sell homeowners insurance in southern and coastal states. Our agency has yet to quote or issue any home policies down south, which is why I'm reaching out on here to see if anyone has any helpful tips or advice for me. The specific question has to do with building code grades, or the "Building Code Effectiveness Grading Schedule" (BCEGS) as it relates to writing homeowners policies. Now that we will be selling in states like Florida, where there are greater exposures to things like hurricanes, the Building Code Grade will likely be a rating factor. Does anyone on here has experience with issuing homeowners policies where these building codes were at play? Is there a specific type of document (home appraisal? other form?) that is used to verify the building code? What documentation/proof the insurance companies require? Basically any information at all about the BCEGS would be appreciated. I want to make sure we are fully prepared for this new factor when quoting and issuing homeowners business in new territory. + Multi Quote Top PS - in case this information is at all helpful... our agency uses a comparative rater, and there is a field that asks for the Building Code Grade. The options are "Ungraded" (which we have always used, here in the Northeast), or 1, 2, 3... up to 10. Thanks again everyone!

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According to the United States Geological Survey there are more than 3 million earthquakes each year. Many of these earthquakes are too weak to notice, however at least a handful occur in populated areas and cause destruction and death. For example one of the most powerful recorded earthquakes occurred in Indonesia in 2004, with a magnitude of 9.0. It caused a powerful tsunami that devastated 12 Asian countries. A week after the estimated death toll was at 150,000, this was doubled within a month, and because of the massive devastation it is possible we may never know the total number of lives lost. Entire towns were completely destroyed, and millions of people lost their homes. We are unsure of when, where an earthquake will hit and how big it will be. Just this weekend in South Carolina and Georgia there was a 4.1 magnitude, luckily there were no immediate reports of injury or damage. This is why it is important to be properly covered. Do you know if your home is up to code for earthquake, Or if you are properly coved for them? Do you think there should be more laws on building codes for earthquake safety?

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I need a company that can write sawmill workers comp in PA. It's a small company around 5 employees, revenue last year was less than $100K. This is a specialty lumber company.