When quoting a policy, selecting the accurate primary construction material is essential for generating a precise replacement cost calculation. Agents must input the structural material for the dwelling on the Property Review tab in the Agent Portal.
Eligibility Overview
Review Openly's risk appetite for various building materials and structural types.
| Material Option | Eligibility Status | Portal Selection & Requirements |
|---|---|---|
| Wood Frame with Masonry Veneer | Eligible | Select this option for non-structural brick, stone, or manufactured stone finishes. |
| Wood Frame with Non-Masonry Veneer | Eligible | Select this option for siding options such as vinyl, stucco, or Hardie Board. |
| Wood Frame with Unknown Siding | Eligible | Use as a fallback option if the framing is wood but the precise siding cannot be verified. |
| Solid Masonry Structure | Eligible | Select for structural concrete block, solid brick, or split stone walls. |
| Solid Concrete Structure | Eligible | Select for poured concrete, precast concrete forms, or concrete bricks. |
| Steel Frame | Eligible | Select for grid-based structural steel beams and columns. |
| Log Home (Conventional) | Eligible | Select for modern homes utilizing flat/half log siding to replicate a cabin aesthetic. |
| Manufactured Home | Eligible* | Must be permanently affixed to a foundation. Do not look for a "Manufactured" option; select a Wood Frame tier instead. |
| Mobile Home | Ineligible | Strictly outside of Openly's underwriting appetite. |
| Log Cabin | Ineligible | Strictly outside of Openly's underwriting appetite. |
Building Material Descriptions
Wood-Frame Configurations
- Wood Frame, with Masonry Veneer: These exteriors feature a layer of non-structural masonry, such as brick, stone, or manufactured stone, to give the appearance of solid masonry. A small air gap typically exists between this decorative veneer and the home's structural components (which may consist of wood, metal, or concrete framing).
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Wood Frame, with Non-Masonry Veneer: This category covers all other non-brick or non-stone siding variations. Common examples include vinyl siding, aluminum, cement fiberboard siding (such as Hardie Board), or traditional stucco over wood lath.
- Wood Frame, with Unknown Siding: Select this configuration if you have verified that the underlying structural framing of the home is wood, but the exact siding material or composition cannot be cleanly classified into masonry or non-masonry categories.
Solid Structural Configurations
- Solid Masonry Structure: Exterior walls are structurally composed of solid concrete blocks, or a combination of four-inch thick concrete blocks faced with an exterior layer of split stone, structural brick, or integral stucco.
- Solid Concrete Structure: Heavy structural walls built using concrete bricks, commercial-grade precast concrete forms, or solid poured concrete. These exterior surfaces can be left plain, textured, or painted.
- Steel Frame: Much like traditional wood framing, a steel frame utilizes an engineered grid of steel columns, beams, and joists to support the floors, walls, and roof loads of the home. This creates a lightweight, highly durable metal skeleton.
Specialized Property Types
- Log Home: Openly accepts log homes built using modern, conventional construction techniques where half-log or flat-log siding is added to the exterior and interior walls to replicate a classic log cabin appearance.
- Manufactured Home: Pre-fabricated homes built in a controlled factory setting that are later transported and permanently affixed to a specific land location.
Note: There is no designated "Manufactured Home" button in the Agent Portal. If your client's manufactured home is permanently affixed to a traditional foundation and qualifies for coverage, you must enter it into the dropdown menu as a Wood Frame home paired with the appropriate masonry or non-masonry veneer siding.
- Mobile Homes: Openly does not accept mobile homes under any circumstances. This includes large, transportable, pre-fabricated units that are situated or parked in a single location for permanent living use but lack a permanent, continuous perimeter foundation attachment.
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Log Cabin: Openly does not accept log cabins. A log cabin is a structure built by stacking whole logs to form interior and exterior walls, and it is unsuitable for year-round living because it typically lacks a thermostatically controlled heat source and instead relies on a non-thermostatically controlled stove.
For further assistance, contact us via our webform or Live Chat.