I haven’t heard back from my broker
What’s happening:
Brokers are often managing many policies and may not respond immediately—especially if underwriting review is required.
What to do:
Wait about one week after sending the email
If you haven’t heard back, follow up or call your broker directly
Use the Rafter phone script if helpful
Rafter can help you draft a simple follow-up message or prepare for the call.
My broker asked for documentation I don’t have
What’s happening:
Carriers may request invoices, photos, or certificates that homeowners don’t always have readily available—especially for older installations.
What to do:
Share what you do have (photos, approximate install dates, service records)
Ask your broker what alternatives are acceptable
Reach out to Rafter for guidance on substitutes or next best steps
In many cases, partial or alternative documentation is sufficient.
My broker’s response is confusing or full of insurance jargon
What’s happening:
Underwriting and carrier language can be technical and unclear.
What to do:
Send the response to Rafter
We’ll help translate it into plain language
We’ll clarify what action (if any) is required from you
You don’t need to interpret it alone.
The broker says a credit doesn’t apply
What’s happening:
Some credits are carrier-specific, policy-specific, or require certain thresholds.
What to do:
Ask whether similar credits exist under a different category
Ask if documentation or clarification could change eligibility
Ask if there are other credits you may qualify for instead
Rafter can help identify alternative opportunities.
The broker says I need to install something new
What’s happening:
Some credits require specific devices or upgrades.
What to do:
Ask what exactly is required for eligibility
Confirm whether the credit is worth pursuing
Reach out to Rafter to help you evaluate the tradeoffs
There is no obligation to install anything.
My broker says they’ll “look into it” but nothing happens
What’s happening:
Requests may stall without a clear next step.
What to do:
Ask when you should expect an update
Follow up after a few business days
Call if email follow-ups aren’t moving things forward
Rafter can help you structure a polite but effective nudge.
I’m not sure whether it’s worth the effort
What’s happening:
It can be unclear how much impact credits will have.
What to do:
Ask your broker whether the credit meaningfully affects your premium
Ask if credits apply immediately or at renewal
Reach out to Rafter to help assess whether it’s worth continuing
Even small credits can add up over time.
I’m worried this could affect my policy
What’s happening:
This is a common concern—but an unnecessary one.
What to know:
There is no harm or penalty for asking about credits
Carriers benefit from accurate risk information
Requesting a review does not reduce coverage or trigger penalties
When to Reach Out to Rafter
You should reach out to Rafter if:
You’re unsure how to respond to your broker
You’re missing documentation
The process feels stalled
You want help evaluating next steps
We’re here to support you behind the scenes and help you move forward with confidence.