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Answers to common questions about Swyfft
Billing
Can customers make payments online?
Yes! Select Make a Payment from the main menu. Enter the policy number and zip code. Once entered, the customer will be prompted to enter payment information.
Can I make an online payment for my customers?
Yes. Sometimes customers may ask you to make a payment on their behalf. Log in at Swyfft.com and click on History. Search for the policy. Click the arrow icon in the Manage column. Click the Manage Payments button. The policy number and insured zip code will prefill. If a balance is due, follow the instructions on the screen to make a payment. A receipt for payment will be sent to the email address on file.
What payment plans does Swyfft offer?
It varies by state, so it’s best to refer to the Swyfft Reference Guides. Generally, customers can opt for annual or monthly payment plans. An installment fee applies for monthly payments.
What forms of payment does Swyfft accept?
We accept debit and all major credit card payments including American Express, Discover, Mastercard and Visa. We also accept ACH/E-check.
We also offer a discount on Pay-in-Full policies.
Is there a fee if a payment bounces?
Yes. There is a non-sufficient funds (NSF) fee if funds are not available when drafting payment from the bank account on file. This fee is charged each time payment is rejected due to NSF.
*Review your product’s SRG to see if an NSF fee applies.
Do you charge a late fee?
Yes. We charge a $10 late fee for payments received after their due date.
What is a Chargeback fee?
A chargeback fee applies when a customer disputes a payment made with a credit card or debit card and the dispute is tied to a legitimate transaction. In these cases, Swyfft will apply a $25 chargeback fee.
*Review your product’s SRG to see if a chargeback fee applies.
If a monthly payment plan is selected, will the payment be auto-drafted every month?
Yes. At the point of bind, if monthly billing is selected, the insured agrees to have his or her payment type retained and auto-drafted each month. Swyfft does not send monthly invoices.
At renewal, will payment automatically be drafted?
Yes, we will automatically charge the credit card/checking account or invoice the mortgage company on file at renewal. If you need to update the method of payment, you may do so online at any time. Log in and click on History. Search for the policy and click the arrow icon to Manage Policy. Click the Manage Payments button and then select Update Saved Payment Method.
How do customers update a credit card or checking account set for automatic billing?
This can easily be done when customers are making a payment online. Select Make a Payment from the main menu. Enter the policy number and zip code. Once entered, the customer will be prompted to enter payment information. Customers will also have the option to update the payment method or card/account number on file.
How do I change billing type (direct, mortgagee bill etc.)?
Email us at [email protected]. To speed things along, please include named insured, policy number and payment information with your request. Or you can call our billing team at 855-479-9338 x 2.
When is the first payment due?
The first payment is always due at the time of binding. Remember, if payment is received at the agent’s office from a mortgage company or if the insured is paying the policy in full, please mail it to Swyfft at 350 Mount Kemble Avenue Morristown, NJ 07960
How can I check if premium was paid?
Easily! Log in and click on History. Search for the policy and click the arrow icon to Manage Policy. Under the Payments section, click on Download Latest Receipt. This will provide you with the policy’s payment history.
On this screen, you can also download the invoice and a copy of the policy.
How do I update a customers billing/mailing address?
To update a customer’s contact information, navigate to the history page, and click on manage policy. Here, you’ll be able to update insured’s email, phone number and mailing address.
If paying by paper check, who should I make it out to and where should I send it?
It’s faster to pay online, but if paying by paper check, please make it payable to Swyfft, LLC and send it to the following address:
Attention: Swyfft Billing
350 Mount Kemble Avenue
Morristown, NJ 07960
Is Swyfft direct bill or agency bill?
That depends. For home policies, we do not offer agency billing. Customers can choose direct or escrow billing.
On the other hand, all commercial policies are agency bill.
Is escrow billing allowed?
Yes. If the account is escrowed, Swyfft will bill the mortgage/escrow company and account for the payment. You can enter this as a billing option before purchasing the policy.
What is Minimum Earned Premium (MEP) and how does it work?
MEP is the premium that Swyfft retains that is not refundable after a policy is purchased. This is common in the E&S marketplace. Outside of hurricane season, MEP is 25% of the policy premium. Once entering hurricane season, MEP is 50% of the policy premium. This is because the cost of placing CAT exposures within this segment of business is higher. We need to be able to recoup the expense. So it’s important that you educate your customers about MEP before they purchase.
Learn more on our E&S PocketGuide Page.
Does Swyfft charge a credit card fee?
In some instances, Swyfft charges a non-refundable credit card fee to the total amount due for new business (excluding monthly) and renewals. These fees are non-refundable as they are a processing fee.
This varies by state/program, so it’s best to refer to the Swyfft Reference Guides to learn more.
What pay plans are available? Do you offer financing?
Pay plans consist of 30% down (plus fees & taxes) with 10 equal installments. (Note: An installment fee applies – which varies based off premium.) See Chart below.
| Annual Premium | Installment Fee per payment after DP |
| $0 – $2,600 | $10.00 |
| $2,601 – $3,900 | $15.00 |
| $3,901 – $5,200 | $20.00 |
| $5,201 – $6,500 | $25.00 |
| $6,501 – $7,800 | $30.00 |
| $7,801 + | $35.00 |
Lloyd’s/Vave products (excluding flood) support outside premium financing. In Louisiana, premium financing is available with all products, as required by state law.
Customer Support
How do I update mortgagee information?
The following mortgagee changes and endorsements can be made online in real-time:
- Update mortgagee/bank information
- Change or add an additional mortgagee
To do so, log in, click on History and search for the policy. Click the arrow icon to Manage Policy. Click the Manage Payment button. If the policy is set for escrow bill, you will see an option to Edit Billable Interests. Click this option and complete the form.
How do I update a customer's contact information?
To update a customer’s contact information, navigate to the history page, and click on manage policy. Here, you’ll be able to update insured’s email, phone number and mailing address.
Can Swyfft endorse a policy over the phone?
No. If you need an endorsement, please send an email to [email protected] and they will be happy to take care of it for you.
How long do endorsements typically take to be completed?
Be on the lookout for your endorsement 24-72 hours from the requested date. If it’s an emergency, simply mark it as urgent and we will try to take care of it ASAP for you.
Does Swyfft send endorsements to the insured or mortgage company?
That depends. Most endorsements are sent to the agent on record only. You may then distribute copies as needed. However, if the endorsement impacts premium, the insured and the mortgage company will get a copy, in addition to the agent on record. This helps to prevent a notice of cancellation for non-pay.
Does Swyfft mail the policy to the insured?
No, Swyfft uses e-mail to share the policy with the insured.
Does Swyfft do Mid-term BOR's ?
No. At this time, Swyfft does not do mid-term BOR’s.
Does Swyfft require the insured's signature on new policies?
Swyfft requires the insured to sign an application. The pre-filled application can be found under the “Binding Requirements” screen after the policy is bound. Once the application is signed by the insured, you need to upload the application to “Binding Requirements”.
Where can I find the Florida Checklist of Coverage?
The Florida Checklist of Coverage can be found on the “Manage Policy” screen after the policy is bound. You can access this screen by logging in and clicking on History. Search for the policy and click the arrow icon to Manage Policy. The Checklist of Coverage is specific to Florida only.
How do I find out the status of an endorsement?
Customer support will email you the endorsed policy upon completion. You can also easily and conveniently access it at any time in the history tab as long as you are signed in on our website. If the policy has been reinstated, it will show under the endorsements section.
How do I cancel a policy?
We understand at times you may need to cancel a policy. To make this request, select Cancel Policy on the Contact Us page of the Swyfft website. Complete the form and confirm you have the authority to cancel the policy. If you need to speak to a person, contact us at [email protected].
How do I amend policy information or increase/decrease coverages?
Please send an email to [email protected]. In the email, please include the policy number and named insured along with the request and we’ll take care of the rest!
How do I find the status of a policy?
The policy status can easily be found by clicking the “manage” button located on the far right of the history page.
The statuses consist of the following:
- Active
- Cancelled
- Non-Renewed
- Notice of Cancellation (NOC) Pending
Sales
How do I add a new user/update login credentials?
To add or update user information, we just need you to fill out a quick form. Choose an option below to get started:
My agency's E&O policy is expiring. How do I update it?
If the E&O policy we have on file for your agency expires, you won’t be able to bind coverage. The fastest way to update it is online. Once logged in to Swyfft.com, visit this page, where you can upload your agency’s most recent E&O policy. If you have trouble, contact us at [email protected].
Does Swyfft offer IVANS Download?
Yes. Our company has partnered with IVANS for this service. IVANS is an automated process that allows Swyfft policy information to download directly into an agency’s management system.
WHAT IS DOWNLOAD?
- IVANS Download translates the data into a shareable format across multiple agency systems.
- The policy data is synchronized between Swyfft and the agency via updating the data on the agency’s system.
- IVANS download streamlines the process using ACORD standards to drive agency efficiency and reduce E&O exposure. This will save time by eliminating re-keying of data as well as allowing for easier policy administration with a single workflow for your employees. The result, more time to concentrate on service and revenue-generating activities.
If you participate in IVANS Download through your agency management system and need assistance signing up for download through Swyfft, please reference our IVANS FAQ sheet, or contact us at [email protected].
How are commissions paid?
You’ll be paid commission when a policy becomes effective AND once the premium is collected. Your monthly commission check and statement will include transactions from the prior month.
Commissions are paid via ACH. It’s fast and delivered directly to your account. You should have filled out the ACH agreement in your Agency Partnership Kit at the time you were appointed. If for some reason you didn’t, please contact us at [email protected].
To view a sample ACH Agreement, click here.
Are there any costs involved?
Not if you are currently set up to download in your agency management system. Yes, if your agency has not started to benefit from download, contact your agency system for support.
Are there specific management systems that can be used for IVANS download?
IVANS Transfer Manager is integrated with more than 30 agency management systems. For a complete list of agency management systems go to Vendor Resources Guide.
Do I need to have an IVANS account to download?
Yes you will need to have your IVANS Y account to access Swyfft Download. The “Y” is a unique identier used by the carriers who download through IVANS. Once your agency places business with the Insurance carrier, the carrier downloads data or supporting information, into your agency management system. That data and information goes through the IVANS mailbox.
Will IVANS download change the way documents are delivered to my clients?
IVANS Download will not impact document delivery to your clients. Insureds will continue to receive policy communication, notications and documents as they do today.
Do I need to do anything with my system?
Yes, contact your agency management system vendor to make sure your system is configured correctly to receive downloads with Swyfft. Discuss the lines of business you wish to download with your vendor.
Are there any other resources for IVANS?
Yes, you can reference our IVANS FAQ sheet here.
Underwriting
Does Swyfft offer auto insurance?
No. At this time we do not offer auto insurance.
Does Swyfft have a preference or specialty, geographically?
Swyfft is built to be quick, simple and competitive for our customers in the states and areas where we provide coverage. While we are keenly suited for business in areas prone to wind catastrophe, we are open in all of our current states. Since the process is so fast and simple, we encourage you to always try Swyfft before assuming we can’t or won’t support a location in our open states. And if a risk doesn’t qualify for our admitted program, it may qualify for our E&S program, where available.
Does Swyfft have a dog list?
Yes. Please refer to our Swyfft Reference Guides to learn more as each state/product may be different.
Does Swyfft write seasonal/secondary homes?
Yes! We accept seasonal and secondary homes through all of our carriers, however Vave is the only carrier that will allow short-term or annual rentals. Seasonal or secondary residences must be properly winterized/protected if left dormant during the off seasons. We will entertain secondary homes even without insuring the primary residence.
Does Swyfft insure homes in the name of a Trust or in the name of a Corporation?
Yes! We can insure homes in a trust and LLC. NOTE: we do not insure homes that are overseen by an Estate.
What's the difference between Wind and Hail deductible and a Tropical Cyclone deductible?
The Wind Hail Deductible applies to only those losses caused by wind or hail, and does not apply to any losses resulting from a Tropical Cyclone event.
The Tropical Cyclone Deductible applies only when a tropical storm or hurricane watch or warning is issued by the National Weather Service for any part of the state. Losses due to hurricane, a tropical storm, or any wind, hail, rain, snow or sleet accompanying a hurricane or a tropical storm will be subject to this deductible.
Does Swyfft have any age restrictions on homes?
Age restrictions depend on the carrier. However, Swyfft does NOT accept designated historic landmark homes. We require that the electrical and plumbing systems need to be reasonably updated. We do not accept non-circuit breaker electric panels, nor do we accept dwellings with split bus and fuse boxes, Stablok, Federal Pacific, GTE‐Sylvania, Challenger, Eaton and Cutler-Hammer or Zinsco electric panels.
Does Swyfft insure mobile/manufactured homes?
No. We do not insure mobile/manufactured homes.
How much coverage for Identity Theft?
Swyfft can, as an option, provide coverage for up to $15,000 for expenses your insured incurs from identity fraud, including legal fees, after deductible.
Does Swyfft write homes on Stilts?
Yes, however if any portion of the home is built over water it is ineligible. The reference to pier construction, to stilts, to pilings, etc. are all versions of what is known as Post and Pier Foundations.
How far back does Swyfft go on claims?
This varies by carrier, so be sure to reference your product’s Swyfft Reference Guide for information relating to claims history.
Enhanced personal property - what does it cover?
The Enhanced Property Endorsement provides the following:
- Allows golf carts to be included in Personal Property Coverage C and expands the perils for golf carts to be all risks, subject to exclusions, versus named perils.
- It also allows for golf carts to be covered for the collision peril if chosen.
- It expands the perils for computers and computer related equipment to all risks, subject to exclusions, versus named perils.
- It allows the theft coverage limits on the HO-3 form [found on page 4, Section I- PROPERTY COVERAGES, C. (Coverage C- Personal Property), 3. (Special Limits of Liability)] to be increased beyond those standard limits, on the following items:
- jewelry, watches, furs, precious and semiprecious stones.
- firearms and related equipment.
- silverware, silver-plated ware, goldware, gold-plated ware, platinum ware, platinum-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.
The form allows all these items (golf carts, computer equipment and all the items covered for theft above) to be insured on a blanketed limit basis, subject to perils and exclusion.
It is strongly suggested that insureds have either an appraisal available or have copies of the original bill of sale available on all items that they cover under this endorsement. Since the endorsement does not require scheduling, these appraisals and receipts will both confirm ownership as well as potential value at the time of loss.
Does Swyfft write foundation coverage in Texas?
No, Swyfft does not currently offer the Texas Foundation Coverage endorsement.
Does Swyfft offer extended liability?
No. Swyfft does not offer extended liability.
Are there Acreage Restrictions?
Vave imposes acreage restrictions (>10 acres is ineligible). No acreage restrictions apply to the other carriers. We do insist that any bodies of water on the property (e.g. pools) must be protected/fenced.
Note: Commercial and farming exposure is excluded.
If the policy is for a new home purchase, how is insurance score applied?
With a new purchase, we will assign a special “new purchase” score to the quote, taking into account that the address will not match.
Can an insured have two mortgagees?
Yes! Once a policy has been bound a second mortgagee can be endorsed onto the policy by navigating to the history page. Here, you can edit or add mortgagees.
Please note, Swyfft does not accept more than 2 mortgagees on any policy.
Are you using insurance score to rate?
Yes, our E&S program does use insurance score, excluding any Vave products.
Insurance scores include credit and CLUE reports when calculating rates. We believe this will provide your customers with the best rate available.
What is Diligent Effort (DE) and how does it work?
When quoting E&S coverage, most state regulations require agents to perform a “Diligent Effort” before purchasing an E&S policy. Requirements differ from state to state, but usually require an “affidavit” stating that the consumer is aware and/or a diligent effort form that lists the admitted companies that were attempted for placement.
As such, after binding an E&S policy you may be required to complete our Diligent Effort forms through our binding requirements section.
Will insurance score be displayed?
While the rate is calculated using the score, we will not disclose the actual insurance score on the screen. If the rate was negatively impacted by the insurance score, the customer will receive an adverse action notice, per regulatory requirements, by email.
Claims
How do I file a claim?
For a full overview of the claims process, visit our claims center. To file a claim, head over to www.swyfft.com/claims and use our interactive website or call the 24/7 Claims Center at 877-799-3389 and select option 1.
You and the customer will instantly be provided the claim number, adjuster information and the information of the emergency services provided that will be sent to assist the insured in their claim.
How do I track a claim?
The customer will receive a text and email to the Swyfft claim portal where they’ll be able to message the Swyfft adjuster directly as well as upload photos, videos, receipts and give customer service feedback throughout the life of the claim. Details are available on the Claims Center.
The customer will also be able to view, print or download their provided estimate in the portal.
Do you outsource?
The Swyfft claims organization uses a Direct Repair Network, independent field adjusters, drone inspections and self-help technology to obtain the information we need to make claim decisions internally. Since January 2020, we no longer utilize TPA services to handle new reported claims from you or our customers. For details, visit our Claims Center.
Who handles your claims?
The Swyfft team is comprised of claims professionals who handle all the processing and decision-making aspects of each claim.
From our proprietary interactive web FNOL through the claims final resolution, the Swyfft team creates and fosters the experience for the customer every step of the way.
General
States + Products Offered
We’re proud to offer insurance coverage in the following states:
Admitted Homeowners (HO-3) coverage:
- Alabama
- Massachusetts
- Texas
E&S Homeowners (HO-3) coverage:
- Alabama
- California
- Florida
- Louisiana
- Massachusetts
- Mississippi
- North Carolina
- New Jersey
- New York
- South Carolina
- Texas
E&S High Value Homeowners (HO-3)/(HO-5) coverage:
- Alabama
- Florida
- Louisiana
- Massachusetts
- Mississippi
- North Carolina
- New Jersey
- South Carolina
- Texas
Commercial E&S Lines:
- California
- Florida
- Louisiana
- Texas
Flood:
- Alabama
- California
- Florida
- Louisiana
- Massachusetts
- Mississippi
- New Jersey
- North Carolina
- South Carolina
- Texas
Wind Deductible Buyback Program
- View our Swyfft Reference Guides for the full list of states available for Home and Commercial policies.
Are policies written through Swyfft A.M. Best rated?
Swyfft has relationships with multiple established carriers, each rated at least “A-” or better by A.M. Best or A (Exceptional) by Demotech.
What is Swyfft's phone and mailing address?
855.479.9338
Our Customer Support Phone hours are from 9am to 6pm EST
Our mailing address is:
Swyfft, LLC
350 Mount Kemble Avenue
Morristown, NJ 07960
Our LIVE chat is also available Mon – Fri from 9am – 5pm
Where is Swyfft located?
Swyfft is headquartered in Morristown, New Jersey, with an additional office in Tallahassee, Florida.
Is Swyfft a BBB accredited company?
Yes! We are happy to let you know we are rated A+ by the BBB.