Solutions
FilingFocus for brokers and agents
Walk into a renewal knowing how each carrier words the coverage and where rates are heading.
How brokers and agents use FilingFocus
Brokers and agents need two things quickly: how carriers’ wording differs for a coverage, and where rates are heading in a client’s state.
Compare carrier wording for a client
Put carriers’ endorsements for the same coverage side by side and show the client the difference.
See where rates and coverages are heading
Rate changes and new coverage filings by carrier and state, ahead of a renewal conversation.
Work from a coverage library that updates itself
Every coverage, every carrier, every edition, refreshed as filings come in.
Walk into a renewal with a coverage grid
Ask how a clause is worded across carriers and what it means for coverage, and ask for it as a grid.
With the FilingFocus Agent
Question
How do homeowners carriers in Texas define water backup, which ones cover sump overflow, and what are the limit options? Put it in a grid.
Find each carrier’s water backup endorsement in Texas homeowners filings.
Formswater backup endorsements, homeowners, TX, current editions9 carriersRead the definition and the sump overflow wording in each one.
Formsdefinition of water backup and sump overflow clause in each6 cover sump overflow, 3 do notLimit options are in the rule pages for the endorsement.
Rates and ruleslimit options for each endorsementlimits on all 9
Answer
| Carrier | Sump overflow | Limits | Notable wording |
|---|---|---|---|
| Carrier A | Yes | 5k to 25k | Excludes flood-caused backup |
| Carrier B | Yes | 5k to 50k | Includes drain and sewer |
| Carrier C | No | 5k to 10k | Backup through sewers only |
| Carrier D | Yes | 10k, 25k | Requires sump pump maintenance |
Showing four of nine carriers.
Nine carriers file a water backup endorsement in Texas. Six cover sump overflow; three limit it to backup through sewers and drains1. Limits run from 5,000 to 50,000, with Carrier B offering the widest range2. Two carriers exclude backup caused by flood, which matters for clients in flood zones3.
Citations
- 1Water backup endorsements from nine Texas homeowners filings, definition and insuring agreement sections.
- 2Rule pages for the nine endorsements, limit option tables.
- 3Carrier A and Carrier C endorsements, exclusion sections.
What the answer is built from
Rate change is a field on the filing summary, not a number buried in a rate page, so requested and approved changes can be filtered and sorted across carriers.
Where it sits in the filing
Filing summary
Requested and approved overall change, effective dates and disposition on rate filings.
- Filing at a glance
- Objection letters
- Response letters
- Dispositions and amendments
Forms
One record per form and edition, with the identifier that links it across carriers.
- CM 99 06, ed. 12 19Endorsement
- CM 99 05, ed. 12 19Endorsement
- Each keyed by number and edition, tagged by type
Rates and rules
Rate pages for the detail behind an overall change.
- Rule exception pages
- Rate tables
- Manual index
Supporting documents
Actuarial memos supporting a rate change.
- Forms certification
- Loss cost adoption
- Checklists
Browse the public library: Coverage topics · Insurance carriers
Try it on a client’s coverage question
Send us the coverage and the state and we will build the grid with you in a demo.
Other teams
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Find how a clause has been worded and approved, and draft from it with sources.