American Modern has filed updated underwriting guidelines for its Homeowners Flex program in Nevada, introducing the use of a wildfire risk score to support new business eligibility decisions.

The company will use the CoreLogic (Cotality) wildfire model as a screening tool, but the score will not be used for rating, and policies will not be declined, nonrenewed, or canceled based solely on the score. Instead, underwriting will consider mitigation steps taken by homeowners to reduce wildfire exposure, such as maintaining defensible space and clearing vegetation. Inspections may be ordered to verify risk mitigation for higher-risk properties.

The Homeowners Flex program is designed for owner-occupied or seasonal homes that may not qualify for the standard market due to factors such as dwelling age, claims history, size, or value. Coverage is available for homes with dwelling limits between $50,000 and $500,000.

The proposed effective date is March 16, 2027 for new business and April 9, 2027 for renewals.