Hedge/Submission requirements/Fix-and-flip & rehab investor
Class-specific first packet

Submission requirements for Fix-and-flip & rehab investor.

Direct answer. Start with a clear operations narrative, the requested coverage and effective date, currently valued loss runs, accurate schedules, and the 7 class-specific facts below. The current public class status is in current public appetite; Hedge still must confirm eligibility, route, and the exact market requirements.

Public class statusIn current public appetite
Target coverage guides2
Reviewed2026-08-24
Core packet

Build one internally consistent account.

  • Applicant information with the correct legal entities and a precise operations description
  • Requested lines, limits, effective date, and any contract or certificate requirements
  • Currently valued loss runs for the relevant entities, lines, and policy periods
  • Exposure schedules and supporting documents that reconcile to the application
  • Class-specific supplemental information and a direct explanation of difficult facts
Do not send from this checklist alone

Hedge must confirm the intended route and review the exact files. Do not send submission material to a competing wholesale intermediary or another producer.

Class facts

Answer these before market review.

  • Scope of work and renovation timeline
  • Active building permits
  • Contractor license and experience
  • Total completed value
  • Photos of all four elevations
  • Anticipated completion date
  • 25% minimum earned premium acknowledgement

Stronger profile indicators

  • Investors, GCs, house flippers on 1-4 unit residential
  • Multi-family up to 12 units
  • Structural and non-structural renovation
  • Frame, joisted masonry, non-combustible, fire-resistive
Coverage checklists

Prepare the facts for each requested line.

Only request coverage the insured actually needs. Open the line guide to see the class-specific published target and preparation questions.

Commercial Property / $3M TIV / loc

Prepare for Commercial Property

Current statement of values with construction, occupancy, protection, and exposure details; Valuation support, requested causes of loss, deductibles, and coinsurance terms; Currently valued loss runs and remediation information

Open class coverage guide →
General Liability / $1M / $2M

Prepare for Commercial General Liability

Detailed operations narrative and class splits; Revenue, payroll, subcontractor cost, and geographic breakdown; Currently valued loss runs and an explanation of material claims

Open class coverage guide →
Hedge forms

Forms that may help organize this class.

The intended market may require different or additional applications. These public Hedge forms are preparation resources, not evidence of access or authority.

Construction

Hedge Builders Risk Supplemental

A fillable Hedge supplemental for new construction and renovation builders risk accounts.

View form and fillable PDF →
Any risk

Hedge Schedule of Locations Supplement

A fillable Hedge schedule for presenting multiple premises and location-level exposure information.

View form and fillable PDF →
Any risk

Hedge Loss and Claims Supplement

A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.

View form and fillable PDF →
State notes

Published class-specific state differences.

AL / Not currently targeted

Fix-and-flip & rehab investor in AL

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
AK / Not currently targeted

Fix-and-flip & rehab investor in AK

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
DE / Not currently targeted

Fix-and-flip & rehab investor in DE

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
HI / Not currently targeted

Fix-and-flip & rehab investor in HI

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
ID / Not currently targeted

Fix-and-flip & rehab investor in ID

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
IN / Not currently targeted

Fix-and-flip & rehab investor in IN

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
IA / Not currently targeted

Fix-and-flip & rehab investor in IA

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
KS / Not currently targeted

Fix-and-flip & rehab investor in KS

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
KY / Not currently targeted

Fix-and-flip & rehab investor in KY

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
LA / Not currently targeted

Fix-and-flip & rehab investor in LA

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
ME / Not currently targeted

Fix-and-flip & rehab investor in ME

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
MN / Not currently targeted

Fix-and-flip & rehab investor in MN

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
MS / Not currently targeted

Fix-and-flip & rehab investor in MS

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
MT / Not currently targeted

Fix-and-flip & rehab investor in MT

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
NE / Not currently targeted

Fix-and-flip & rehab investor in NE

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
NH / Not currently targeted

Fix-and-flip & rehab investor in NH

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
NM / Not currently targeted

Fix-and-flip & rehab investor in NM

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
ND / Not currently targeted

Fix-and-flip & rehab investor in ND

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
RI / Not currently targeted

Fix-and-flip & rehab investor in RI

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
SD / Not currently targeted

Fix-and-flip & rehab investor in SD

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
UT / Not currently targeted

Fix-and-flip & rehab investor in UT

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
VT / Not currently targeted

Fix-and-flip & rehab investor in VT

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
WA / Not currently targeted

Fix-and-flip & rehab investor in WA

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
WV / Not currently targeted

Fix-and-flip & rehab investor in WV

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
WY / Not currently targeted

Fix-and-flip & rehab investor in WY

Not currently in carrier footprint for fix-and-flip.

Open state appetite →
FL / Review case by case

Fix-and-flip & rehab investor in FL

Coastal restrictions apply; review individually.

Open state appetite →
CA / Review case by case

Fix-and-flip & rehab investor in CA

Earthquake required with 10% minimum deductible.

Open state appetite →
Review and release

Keep preparation, routing, and authority separate.

  • Preparation: the packet is internally complete enough for review
  • Fit: the class, state, coverage, and account facts are within current appetite
  • Route: Hedge has confirmed the permitted submission channel
  • Quote: actual terms have been returned for this account
  • Bind: the authorized party and all subjectivities have been confirmed