How the Consumer Can Utilize the WindMAP?
1. First verify that the property to be insured is
located in one of the 116 eligible zip codes.
2. Check the list of referral companies that are writing homeowners
insurance in the coastal areas, subject to certain underwriting guidelines.
Some of those guidelines, particularly those relating to coastal area
restrictions, are shown on the list. You should use the list to contact
representatives of those companies to obtain insurance coverage from your
3. If you are not successful in obtaining insurance with another carrier
on the Referral List, you may complete the WindMAP application. We will direct
your application to additional companies for their underwriting consideration,
and advise you of their decisions. You should be aware that, in some cases,
when a company participating in the WindMAP agrees to write a policy for a
property that they ordinarily would not accept under their underwriting
guidelines, the company may require that the policy carry a $1,000 deductible.
The WindMAP application process may
take up to three (3) weeks after we receive your application. Please note that
the submission of an application to the WindMAP does not guarantee that you
will obtain homeowners coverage through the Program. In addition, any insurance
that is offered to you by a WindMAP insurer will only become effective after
the insurer completes its application and underwriting procedures and a binder
has been issued.
4. Complete either the
Accord 80 Homeowners application, if you reside at the property, or the
Accord 84 Dwelling Fire application if occupancy is seasonal, rented
tot a tenant, a mobile home, or owned by partnership or corporate entity other
than a natural person or husband/wife.
5. Complete the
WindMAP Supplemental Application as follows:
a) Consumers provide your name,
and address of property to be insured. If accessing the WindMAP directly, omit
producer information, and provide your daytime phone number.
b) To be eligible for the
WindMAP, there must be a "Yes" response to one of the Questions 1-4. Please
c) Send the application at
least 21 days, but not more than 60 days prior to the date coverage is needed.
d) Consumers are required to
identify the insurer canceling their current policy. Please attach a copy of
the non-renewal or cancellation notice needed in Eligibility Question 1.
e) If property is newly built
or newly acquired, please attach evidence of sale or other documentation of
transfer needed in Eligibility Question 2.
f) If property is currently
insured in the FAIR Plan, and is eligible for continuation, please attach a
copy of the FAIR Plan declaration page needed in Eligibility Question 3.
6. Please identify the
insurance companies that have declined to insure this property, and attach
copies of declination notices received from those companies in response to
Eligibility Question 5.
7. Please provide as much detail in response to the Underwriting
Questions as follows:
a) Please indicate requested
distance or height information in feet.
b) Indicate flood zone, and if
flood insurance is in force, show limits for structure and contents.
c) Military service questions
do not affect eligibility, but complete answers will assist in locating an
8. Consumers are asked to read
the Affirmation Statement, and must sign and date the ACCORD form, and
WindMAP Supplemental Application.
9. Mail all application material to the following address:
New Jersey WindMAP
P.O. Box 32340
Newark, NJ 07102
10.Do not send money. Coverage is NOT bound.
Insurance does not exist until the insurer's application and underwriting
procedures are completed and a binder is issued.
11. You will receive an acknowledgement that your application was
accepted from processing. If all required information is not submitted, your
application will be returned without being processed.