Frequently Asked Questions
View commonly asked questions about Orchid Insurance
Cancellation requests should be sent to [email protected]. Please include a signed cancellation request (LPR) along with any supporting documentation. Supporting documentation could be a warranty deed or HUD statement if the home has been sold, a certificate of occupancy if the home is no longer under construction, or any documentation showing why a cancellation must be effective on a specific past date.
Policy issuance can vary by system. Most of our policy requests are bound within 36 hours. Depending on the carrier or some other scenarios, policies can take a week to be returned. You can email [email protected] to see if there is anything specific holding up your policy.
All claims are reported directly to the carrier. Reporting may be done by either the agent or the insured. For additional information on how to contact the carrier to file a claim, please click here to go to our claims page. You will then report the claim to the carrier directly, either by e-mail or phone. It is the insured’s responsibility to secure their property until the adjuster can get there.
After you file the claim, the adjuster will reach out within 24 hours. It is the insured’s responsibility to take the necessary steps that are required to negate any further damages and secure the property until an adjuster can be on site.
Orchid Connect will eventually be the only portal. We are undergoing extensive testing to make sure it is an excellent product for all our agents. The following breakdown will help you determine which system(s) you’re currently using:
- Connect – Any commercial quotes, plus personal lines quotes for TX, LA, MS, AL, GA, SC, NC (new and renewal business); CT, DE, MA, MD, NY, NJ, RI, and VA (new business)
- Policy Plus – For all Personal Lines in any state where Orchid writes policies (excluding the states listed for Connect). Policy Plus requires a submission that results in a quote from an underwriter typically within 24 business hours
- Coastal Agents Alliance Rater – Coastal Agents Alliance has been acquired by Orchid. All new business should be submitted on Connect, while renewals are still processed through Net Rate.