Frequently Asked Questions

How is the insured's contact information used and stored?
The insured's contact information (i.e., name, email, phone number) is used solely for providing essential policy documents, updates, and important notices. We take privacy seriously and ensure all personal information is securely stored in compliance with industry standards. Your information will never be used for spam or unsolicited communication.

Will my premium rates or eligibility remain the same if my QUBIE policy is reissued?
We cannot guarantee premium rates or eligibility when reissuing QUBIE policies. Rates and eligibility may change based on various factors at the time of reissuance.

What changes can be made to my policy via an endorsement?

• Coverage amount (building and loss of rents)

• Primary contact information (this does not change the named insured)

• Addition, removal, or change of lenders

• Addition, removal, or change of additional insureds

What changes require canceling and reissuing my policy?

• Named insured

• Deductible (can be changed at renewal)

• Effective date

• Payment type/method (can be changed at renewal)

• ACH information on file (can be changed at renewal)

• Property manager (can be changed at renewal)

• Property type (can be changed at renewal)

I need to edit the information I entered in the quote, but the system won’t allow me to go back. What do I do?

To make changes to your quote, follow these steps:

1. Look up your policy in the system.

2. Select “View” on the first line from the top.

3. Click “View Application”—this will take you back to the beginning of the quote, allowing you to update any necessary information.

How does the renewal process work for QUBIE policies?

• If your policy is eligible for renewal, the initial renewal quote is created 45 days prior to policy expiration. If not eligible, a non-renewal is processed.

• If eligible, a renewal quote is automatically generated. This quote can be reviewed and modified before issuance. The broker/agent and customer can decline the renewal quote if they do not want to renew.

Can cancellations be backdated/future dated?
Cancellations can be backdated/future dated up to 30 days. For dates beyond 30 days, further approval is required. You must submit either sale of property documents or proof of new coverage via email to REI_support@ses-ins.com.

Can I reinstate a canceled QUBIE policy?
We cannot reinstate QUBIE policies. Any canceled policy will need to be reissued as a new policy.

I received a letter/email of impending non-payment cancellation (INOC), what do I do?
Reach out to REI Support as soon as possible to avoid policy cancellation and discuss payment options.

How do I process a cancellation?
Brokers must process cancellations directly in the QUBIE agent portal ([insert link]).
Steps:

1. Navigate to Customer Search

2. Enter the Policy Number

3. Select View

4. Select Cancel Policy

Renewal Email Timeline:

• 35 days before expiration: First notice sent to broker and insured

• 30 days before expiration: Second notice sent to broker

• 25 days before expiration: Third notice sent to broker and insured

• 20-22 days before expiration: Renewal policy issued & payment processed automatically.  This is non-reversible; refunds issued upon cancellation.

• The policy renews with the same information unless changes were made to the renewal quote before issuance.

How do I cancel a renewal policy that I did not want to renew?

Do not select "Non-Renew" as the cancellation reason since the policy has already renewed. Instead, follow these steps:

1. When prompted, select "No" for "Is this cancellation for non-renewal?"

2. Choose "Purchased this policy by mistake" as the cancellation reason.

3. Select the appropriate cancellation date based on when the policy should be terminated.

This will ensure the cancellation is processed correctly.

How do I change the payment information on the renewal quote?

To update the payment information on a renewal quote, follow these steps:

1. Access the renewal quote that has been emailed to both the broker and insured.

2. Manually complete the issuance by entering the quote in the system.

3. Update the payment method—you can switch between ACH and escrow before binding the policy.

4. Modify the payment details on file before finalizing the issuance.

Ensure all updates are made before binding to reflect the correct payment information.

What are the available payment methods?
We offer the following payment options for QUBIE policies:

• ACH (Insured Billed): Payment collected at the time of bind.

• Escrowed (Lender Billed): An invoice is mailed directly to the lender.

• The initial payment will be made by the escrow, while the insured will be responsible for subsequent renewals.

Please note:

• We do not accept premium financing or credit card payments.

• We do not offer payment plans.

• The full premium is collected at bind.

• Using your agency account for payment is not recommended, as it will be automatically charged at renewal.

I received an email stating my payment was declined/rejected, what do I do?
Follow the instructions in the email. Do not reply directly to the email, as it is not routinely monitored.

How do I check the payment status?
Submit a request through the support form or call (800) 955-4SES. Please note that wait times may be extended during peak periods.

How do I change the payment information on the renewal quote?

To update the payment information on a renewal quote, follow these steps:

1. Access the renewal quote that has been emailed to both the broker and insured.

2. Manually complete the issuance by entering the quote in the system.

3. Update the payment method—you can switch between ACH and escrow before binding the policy.

4. Modify the payment details on file before finalizing the issuance.

Ensure all updates are made before binding to reflect the correct payment information.

What information is prefilled when quoting a new property?

• Property Type: Defaults to "Single-Family Dwelling"

• Construction Type: Defaults to "Frame"

• Year Built & Square Footage: Pulled from tax assessor data (Default: 1900 & 1,500 sq. ft.)

• Building Value: Based on the average replacement cost in the territory

• Loss of Rents: Defaults to 10% of the building value (should represent 12x the monthly rent)

Note: Your property may be ineligible based on third-party data.

How do I access certain policy documents?
As an Agent:

• Log in to the QUBIE portal.

• Navigate to the policy and select View → View Docs.

• To request an RCE or loss runs, email REI_support@ses-ins.com.

As an Insured:

• Documents are emailed to the primary contact at the time of bind.

• Access them anytime in the QUBIE customer portal [link].

How do I submit QUBIE claims?
Submit claims via [claim page link]. Claims cannot be submitted over the phone.

What do we provide to lenders?
We mail the Evidence of Insurance (EOI) and invoice directly to the lender after a policy is bound, along with any cancellation documents.

How do I sign up for the QUBIE customer portal?
Click [customer portal link] and select "Policyholder Registration." Your username is the primary contact email used when quoting your policy.

How can I access all of my policies?

• Brokers: Use [broker portal link].

• Insureds: Use [customer portal link].

I'm a new broker, how do I get appointed?
Fill out [new appointment form] or contact partners@ses-ins.com.

What should I do if I encounter an error when binding or endorsing a policy?
Email REI_support@ses-ins.com with a screenshot of the error message for further assistance.

How do I find a policy in the portal?
Search using any of the following:

• Policy Number

• Property Address

• Quote Number

• Named Insured

What do the different quote numbers mean?
QUBIE generates reference numbers for:

• MTA (Mid-Term Adjustment/Endorsement)

• Issuance

• Cancellation

• Renewal

If I see multiple policy records, which one should I use for cancellations/endorsements?
Use the most recent record (from the top). Incomplete records (e.g., unfinished endorsements) must be deleted before starting a new transaction.