We recommend the following when talking with insurance companies.
When Insurance Companies ask you questions about what you are going to build, do not volunteer that it is a dome. Insurance companies categorize homes based on the type of construction because they can then estimate the risk involved. They don't have a category for domes therefore they will sometimes decline the insurance.
We have found the following to be the best approach when talking to insurance companies: When the insurance person asks "What are the walls built of?" Reply, “Steel reinforced concrete.” When the insurance person asks, “What is the roof made of?" Reply, “Steel reinforced concrete.” The insurance companies are able to deal with that information and usually issue a policy. You are required to answer their questions truthfully but you are not required to volunteer that the home is a dome.
Due to the Hurricanes very few companies are selling Florida builders insurance and Florida homeowners insurance. Florida Dome Owners can purchase insurance through the Florida Residential Causality Joint Association at 1-800-524-9023.
The Insurance Information Institute's web site www.iii.org has a feature where you can find the names of insurance companies in your state. Their web site tool allows consumers to select the state in which they live and the type of insurance they are looking for. It provides a random listing of insurance companies in their state.
The following are the names of insurance companies that have insured American Ingenuity Domes in the past or were considering insuring our domes. Bear in mind that the companies could have changed their minds or changed ownership and might no longer insure domes.
USF & G Insured dome in North Carolina.
PREFERRED RISK HOMEOWNERS Insured dome in Des Moines, Iowa, 800-217-4176
FARMERS ALLIANCE MUTUAL INS Thinking of insuring a dome in Kansas. The agent was Larry Gould, 1122 N. Main St, Mopherson KS 67460-2849; 816-648-1114
ALL STATE Insured dome in Homestead Florida that went through Hurricane Andrew with no structural damage. The agent was Richard Chorak, 954-963-2044. Also All State insured a dome in Ocean Springs Mississippi. The agent was Vernon McHan at 228-388-7223.
STATE FARM INS Insured dome in Lakeland Florida. The agent was Jan Butler 941-688-2613
CORNER STONE INS Was thinking of insuring a dome. Agent is Gary Walker 804-542-4301 in Richmond, VA.
ALPHA INSURANCE Insured dome in Georgia.
ZURIC Insurance Provided Builder’s Risk to one of our clients in Tennessee.
HANOVER INSURANCE Insured dome in North Carolina. Fortner Insurance Co 828-682-2147 Hanover also does Builders Risk Insurance during the construction phase.
USAA Insured dome in Melbourne Florida 800-531-8111. Currently not adding any new policies in Florida.