Insurance Renewals,
Handled.
RenewFlo runs the full renewal process behind the scenes — saving time for property managers, improving outcomes for brokers, and delivering clarity to condo boards.
One process.
Three clear winners.
Stop spending 150+ hours a year on insurance admin.
You're the point person for every renewal across your portfolio. Chasing brokers, answering board questions, hunting documents — none of it should be your job. RenewFlo takes it off your plate entirely.
- ✓We own the broker relationship and timeline — you stay informed, not involved.
- ✓All documents organized in a centralized data room from day one.
- ✓We field board questions and produce comparison reports, not you.
- ✓Consistent process across every property in your portfolio, every year.
Better submissions. Profitable from day one.
HOA renewals are administratively brutal. Incomplete applications, last-minute document requests, property managers who can't answer underwriting questions. RenewFlo solves all of it before the submission hits your desk — and our reduced commission split means accounts are profitable in year one, not year five.
- ✓Underwriter-ready packages — complete applications, loss runs, all organized.
- ✓We coordinate directly with the insured so you're not playing telephone.
- ✓Faster bind times mean less carrier back-and-forth and lower servicing cost.
Finally understand what you're actually buying.
You're responsible for protecting your building and owners' investment. Every year you receive a proposal you can't fully evaluate, with no real comparison and no one in your corner. RenewFlo changes that.
- ✓Clear side-by-side coverage comparisons — every line item explained in plain language, nothing hidden.
- ✓Full transparency to remarket your property alongside your broker — you see every option, not just the one being presented.
- ✓Truly neutral guidance — we're not financially incentivized to steer you toward any carrier or policy, so our only job is getting you the right outcome.
The renewal process
is broken.
Hours lost to admin
Managers spend 10–28 hours per association chasing documents, coordinating brokers, and answering repetitive questions.
Weak submissions
Incomplete applications and missing data result in conservative underwriting — meaning higher premiums than necessary.
Confused boards
Trustees receive dense proposals with no context, no comparison, and no time to ask the right questions before deadline.
No strategy, just increases
Without market intelligence or year-over-year planning, premiums creep up with no clear path to reversing the trend.
Coverage gaps go unnoticed
Policies renew without review. Outdated limits, missing endorsements, and structural gaps surface only after a claim.
Last-minute decisions
Renewals kicked off weeks before expiration leave boards no time to evaluate options or negotiate — they just sign.
End-to-end,
every time.
From first data collection to final bind, RenewFlo manages the full renewal lifecycle. Your team stays informed — not involved.
Data Collection
We build a complete property data room — documents, loss runs, building specs — all organized before outreach begins.
Market Outreach
Underwriter-ready submissions go to multiple brokers to generate truly competitive quotes.
Analysis
Every quote is analyzed and translated into a clear, plain-language comparison report for the board.
Decision & Bind
We guide the board through options, answer questions, and manage the bind and policy delivery.
Year-Round Support
COIs, certificates, coverage questions — we remain the point of contact so the PM team never has to be.
Your team is spending
thousands of hours
they shouldn't have to.
Property managers average 9.5–28.5 hours per association — every year, every renewal.
| Assoc. | Hours / Year | Annual Cost |
|---|---|---|
| 10 | 95—285 hrs | $5k – $14k |
| 50 | 475—1,425 hrs | $24k – $71k |
| 100 | 950—2,850 hrs | $48k – $143k |
| 200 | 1,900—5,700 hrs | $95k – $285k |
| 300 | 2,850—8,550 hrs | $143k – $428k |
Organized data eliminates drag
Scattered emails and missing documents cost money. A complete, structured submission tells a better story to underwriters — and better stories mean better rates.
The story you tell dictates pricing
How a risk is presented to an insurer directly shapes how they price it. We build the narrative — improvements, maintenance history, risk mitigation — that earns competitive quotes.
Both fixes deliver real results
Combining operational discipline with market intelligence creates a compounding advantage — every year the data gets richer and the outcomes improve.
Six things we handle
so you don't have to.
Data Collection & Organization
All property documents, loss runs, and building data — collected, structured, and stored in a centralized data room.
Underwriter-Ready Submissions
Complete, accurate applications with supporting documentation that positions each property favorably with carriers.
Broker & Timeline Coordination
We own the renewal calendar and broker relationships — no more last-minute scrambles or missed deadlines.
Board Comparison Reports
Plain-language summaries that translate complex proposals into clear, side-by-side options boards can actually evaluate.
Premium Reduction Strategy
Year-over-year recommendations for risk improvements and coverage adjustments that compound into lower premiums.
Ongoing Coverage Support
COIs, certificates, mid-year questions — we remain the point of contact all year, not just at renewal time.
The cost of waiting.
See the 5-year premium impact of a RenewFlo-optimized renewal strategy applied to your portfolio today.
Paid via existing commissions.
Zero added cost.
You already pay broker commissions as part of your insurance premium. RenewFlo partners with your broker and splits that existing commission — so clients get a fully-managed renewal process at no additional cost, and brokers benefit from pre-qualified account introductions with lower servicing overhead and stronger margins from day one.
Ready for a
better renewal?
Always delivering increases?
If every renewal ends with a higher premium and no clear strategy to reverse it — there's a better way.
Last-second scrambles?
Renewals shouldn't start two weeks before expiration. Rushed board decisions under deadline pressure signal a broken process.
Can't explain what's covered?
If you or your board can't clearly answer "what does this policy cover?" — that's a real risk. We fix that from day one.
Start your first
renewal right.
No added cost. No disruption. Just a better process.
Get Started with RenewFlo →