What is a binding restriction? Why can’t you put coverage in place for me?

Whenever there is a potentially catastrophic event like a hurricane or a wildfire, insurance companies will often restrict the ability to place coverage until the event has passed. As you can imagine, when there is an event where losses can be expected, insurance companies will limit the risk that they take so that they can preserve great rates and coverage for their existing policyholders. Be sure to check the realprotect website for a list of any current binding restrictions!