Washington underwriting notes
- Primary risk themes: rain, wildfire, earthquake, water damage.
- For Washington wildfire exposure, document roof material, brush clearance, access roads, and defensible-space work.
- Earthquake coverage in Washington is usually a separate policy or endorsement path, not a default HO-3 assumption.
- Compare the same dwelling limit, deductible, and loss-settlement wording across quotes.
Washington quote review questions
| Question | What to look for |
|---|---|
| What deductible is really being compared? | Flat, percentage, wind, hail, and named-storm deductibles should not be blended. |
| Does the carrier inspect later? | A post-bind inspection can add repairs or change eligibility. |
| What local issue should be disclosed? | For Washington, start with rain, wildfire, earthquake, water damage. |
| Is the premium only an estimate? | Only final carrier terms and effective dates should be treated as binding. |
Local editor note
We avoid publishing one exact Washington premium because quotes move with ZIP, rebuild cost, claims, inspections, and carrier appetite.
Use this page as a checklist before requesting a binding quote in Washington.