Agency Partners,

I’m happy to share another round of positive underwriting changes. We’ve made these updates to provide greater flexibility, simplify the submission process, and create more opportunities to write and retain business with People’s Trust.

HERE’S WHAT’S CHANGED:

Expanded Use of 4-Point Inspections

We accept 4-Point Inspections completed within the last 12 months in lieu of the PTI Home Inspection requirement. Simply upload the inspection to Slate using the “4-Point” tag.

More Flexibility for Roof Documentation

For shingle roofs that are 15 years or older and metal or tile roofs that are 25 years or older, documentation is needed to confirm the roof has at least five years of remaining useful life.

To make this easier, we accept either:

A 4-Point Inspection completed within the last 12 months; or
A Roof Certification Inspection completed within the last 12 months by any qualified, licensed inspector – not just Home Inspection Services.
Roof ages can also be validated using issued permits, so a final roof permit is no longer required. Please first try to obtain and submit the available permit documentation. If you’re unable to locate it, our Underwriting team is available to assist.

More Options for Properties Without Prior Insurance

Underwriting will consider properties with no prior insurance or force-placed insurance once an acceptable pre-bind home inspection is completed by Home Inspection Services.

Alternatively, the policy may be bound immediately with water coverage excluded by calling Agency Underwriting at (561) 609-1001. Once the PTI Home Inspection is received, Underwriting will advise whether water coverage may be available.

Fewer Underwriting Referrals

We’ve reduced the number of triggers that generate an underwriting referral (UR) during the quote submission process, making it easier to do business with us. These changes include:

Broadened acceptance of addresses previously insured by PTI, resulting in fewer Red Bar referrals.
An increased High-Value Home underwriting review threshold for HO-3 policies of $2 million in Coverage A.
View the updated People’s Trust Underwriting Guidelines.

✅Underwriting Snapshot

✅Product Comparison

✅NEW PTI Underwriting Updates – August 2026

¡LAS ACTUALIZACIONES DE UNDERWRITING AHORA ESTÁN DISPONIBLES EN ESPAÑOL!

For the first time, the People’s Trust Underwriting Guidelines are available in Spanish, giving our Spanish-speaking Agency Partners easier access to the information they need to write business with People’s Trust.

Haga clic aquí para acceder a las Guías de Underwriting en español.

✅PTI Guía de Referencia de Underwriting

✅NUEVO Actualizaciones de Underwriting de PTI – Agosto de 2026

These updates will make it easier for you to place business with People’s Trust. With our Summer Sales Incentive continuing through October 31, they may also create additional opportunities to write qualifying new business and earn bonus commissions.

Your feedback continues to help shape our underwriting guidelines and processes, so please keep it coming. My team and I are listening.

Caitlin Scheinblum
Chief Underwriting Officer

Agency Underwriting Team
Agency Underwriting: 561-609-1001