Texas
Wind, hail, hurricane, severe convective storm
Markets
National licensing with a focused core-market strategy.
Rothberg Specialty is licensed in 48 states and has completed client work in more than 34. The states below identify current strategic concentration—not the limit of licensing availability.
16 active core markets
Local catastrophe conditions. National market reach.
Carrier appetite, forms, deductibles, admitted status, surplus-lines requirements, coastal plans, wildfire models, roof age, and lender expectations can change meaningfully from one state to another.
Oklahoma
Hail, tornado, wind and roof-age challenges
Alabama
Coastal and inland catastrophe exposure
Arkansas
Severe convective storm and hail
California
Wildfire, earthquake and property capacity
Colorado
Hail, wildfire and deductible pressure
Georgia
Wind, hail and coastal exposure
Illinois
Urban associations and Midwest storm exposure
Kentucky
Wind, hail and mixed community structures
Minnesota
Freeze, hail and large association portfolios
Missouri
Tornado, hail and severe convective storm
North Carolina
Coastal wind and inland property risk
South Carolina
Coastal hurricane and wind exposure
Tennessee
Home market; association and development expertise
Virginia
Condominium, HOA and mixed-use programs
Washington
Condominium and earthquake considerations
Licensing does not guarantee that every product or carrier is available in every jurisdiction. Availability is subject to applicable law, carrier authority, underwriting, appointment, eligibility, and surplus-lines requirements.
Catastrophe strategy
The same community can face a different insurance market across a state line.
Rothberg’s job is to adapt the submission and structure to the risk’s actual geography, construction, values, operations, and market conditions.
Wind & hail
Percentage deductibles, per-building mechanics, roof age, cosmetic damage, matching, buy-downs, and severe-convective-storm capacity.
Hurricane & coastal
Named-storm terms, wind pools, separate wind placements, flood, storm surge, business interruption, and layered programs.
Wildfire
Brush scoring, defensible space, construction, access, water supply, vegetation, valuation, nonrenewal pressure, and capacity.
Earthquake
Deductible basis, building values, masonry, soil, age, retrofit, ordinance or law, loss assessment, and lender expectations.
Freeze & water
Building systems, vacancy, heat maintenance, sprinkler protection, pipe age, water-shutoff controls, and loss mitigation.
Flood
Flood zones, lender requirements, NFIP and private options, building and contents limits, excess flood, and business income.
Market-entry discipline
A national license is not a substitute for a state-specific plan.
Before pursuing a placement, Rothberg considers the regulatory path, carrier access, catastrophe environment, claims practices, local valuations, governing-document framework, and the practical needs of the board or developer.
State and local exposureConstruction, catastrophe zones, building codes, roof conditions, wildfire characteristics, flood, and local loss patterns.
Regulatory pathAdmitted versus non-admitted availability, diligent-search or surplus-lines process, taxes, fees, and required notices.
Program eligibilityOccupancy, unit type, roof age, loss history, short-term rentals, amenities, valuation, and protection class.
Claims executionCarrier claims resources, catastrophe response, adjuster access, policy language, notice, and documentation.
Local decision supportClear explanation of the terms that matter most to that market’s boards, managers, lenders, and developers.
Market FAQs
National reach, carefully defined.
Do you write business in every state where you are licensed?
Licensing allows the agency to transact where other legal, appointment, carrier, product, and underwriting requirements are satisfied. The 16 core markets identify current strategic activity; inquiries from other licensed jurisdictions can still be evaluated.
Why use a non-admitted carrier?
Surplus-lines carriers can provide capacity or terms unavailable in the admitted market, particularly for catastrophe-exposed or complex risks. The regulatory protections, guaranty-fund treatment, taxes, fees, and filing process differ and should be explained before placement.
Does Rothberg have to be local to the association?
Insurance placement and service can be coordinated nationally, but state-specific licensing, policy terms, catastrophe conditions, governing documents, claims practices, and local professional relationships still matter.
Which states are the highest priority?
Texas, Oklahoma, Tennessee, and other catastrophe- or complexity-driven markets are prominent in the current strategy, while the complete 16-state core footprint is shown above.
Have a community or development outside the core map?
Send the state, risk type, renewal or project date, and current challenge. Rothberg Specialty will determine whether the opportunity fits available licensing and markets.