Stillwater is updating its underwriting guidelines for the Dwelling Fire program in Maryland, with changes affecting both new and renewal business.

The revised guidelines now require underwriting approval for new business in Protection Class 9. The previous requirement that homes be built in 1950 or later has been removed, allowing older properties to be considered. Stricter rules are being applied to risks involving vehicle storage and business use of the property, although exceptions remain for family day care operations that meet specific criteria. Roofs made from certain materials are now ineligible unless they are fire-retardant treated and properly maintained. Applicants with a history of fraud or arson claims, as well as those listing disallowed additional insureds, will no longer be eligible for coverage. The updates reflect a more selective approach to risk, but no rate changes were proposed.