Covers the higher costs of restoring historic buildings using original materials and methods

Estimated loss refers to the increased costs associated with repairing or restoring historical buildings to their original condition after a covered loss, which can be significantly higher due to specialized materials and craftsmanship. We've based our estimate on historical data of restoration costs for such properties.

Standard property insurance policies may not fully cover the unique costs associated with restoring historical buildings, often paying only for functional replacement with modern materials. This can lead to insufficient funds to restore the building to its historical condition, even if you are contractually obligated to do so.

USI collaborates with carrier partners to provide coverage enhancements that address the specific needs of historical buildings. This includes covering the additional costs of using materials and methods consistent with the original construction, ensuring the preservation of your property's historical integrity.

Typically, no. Because of USI's expertise in risk management and strong relationships with insurers, we're often able to provide you with highly tailored insurance solutions with increased coverage at no additional cost.

No. These recommendations are a preliminary hypothesis based on what we know about you.   Once we're your broker, USI will determine what data we need to perform a comprehensive analysis of your property coverage needs.

Every property is different, and the level of risk depends on factors such as operational hazards, natural catastrophe exposures, and physical protection in place. We analyze the specific risk factors of your property and recommend enhancements based on those findings. Rather than overselling, our goal is to offer coverage that matches your property’s unique exposures, preventing you from having to bear the financial burden of unexpected repairs.

The claims process with these enhancements is straightforward. These coverage enhancements ensure that more of your property is protected, reducing the chance of disputes over what is or isn’t covered. We streamline the process by clarifying coverage upfront and working closely with your carrier to minimize delays or complications in the event of a loss.