Tokio Marine Highland

Protect Your Property from Unexpected Flood Damage with Tokio Marine Highland – Available Through Insurox

⚙️ Overview

Tokio Marine Highland is a premier specialty property & casualty underwriting agency, established in 1962 and headquartered in Chicago, IL. As a wholly owned subsidiary of Tokio Marine Kiln (part of the global Tokio Marine Group, A+ rated by S&P), the firm is built upon decades of deep underwriting expertise and claims excellence.

🌟 Core Strengths

• Deep Underwriting Expertise: Teams with extensive experience tailor creative solutions for complex, high-value risks.

• Superior Claims Management: Claims are handled in-house through their subsidiary, Precise Adjustments, ensuring prompt, fair processing.

• Customer-Centric Service: Known for personalized support and high responsiveness .

• Financial Strength: Backed by Tokio Marine Kiln (Lloyd’s carrier), rated A+ by S&P and Excellent by AM Best

📌 Headquarters & Offices

• Chicago, IL (Headquarters)

• Regional Centers: Dallas/Frisco, TX; Irvine & South Pasadena, CA; Miami, FL

👥 Leadership

• Steve Prymas, CEO (effective June 1, 2025). Over 25 years in the insurance space, brings leadership from roles at Hiscox, The Hartford, Marsh, and Gen Re.

• Preceded by Norman Heinrich, a longtime CEO and champion of the firm’s culture and flood division.

📦 Product Lines

1. Private Flood Insurance

• Decades of leadership in private flood risk—models, programs, endorsements, and primary/excess flood coverage

• Offers TMH2O, a fast-deploy residential flood product in 42 states with flexible deductibles, high limits, and no waiting period

2. Lender-Placed & Financial Services Solutions

• Includes lender-placed hazard, flood, wind; mortgage impairment; loss drafts; escrow processing, etc.

• iClient® portal supports 24/7 access—loan insurance tracking, documents, claims, and reporting.

3. Specialty Property Solutions

• InvestorSelect™ platform: multi-peril coverage for investment property with flexibility, online placement/cancellation, liability, flood, earthquake options

• Tailored solutions for homeowners and investors facing complex risk exposures

4. Fine Art & Collectibles

• Coverage for art dealers, exhibitions, museums, and private/corporate collections.

Why Buy Through Insurox?

As an independent agency, Insurox provides access to multiple flood insurance carriers, including FEMA, Tokio Marine Highland, and others—so you can compare and choose the best option for your needs and budget. We guide you through the process and handle the paperwork for you.

📝 Get a Quote Today

📍 No matter where you live, we can help.
👉 Click below to compare flood insurance quotes, including Tokio Marine Highland.

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• 🗂️ How to File a Claim

  A. Lender-Placed, InvestorSelect™, REOSelect™ & Financial Solutions

  • iClient® Portal: Most lender‑placed or investor‑type claims can be submitted/check status online, 24/7

  • Phone: Contact Precise Adjustments (TMH’s in‑house claims team) at 800‑627‑7601

  • Email (Investor/REO only): Complete and email the claim form to [email protected]

  B. General or Non‑Loan Claims

  • Call 800‑627‑7601 to speak with a Precise Adjustments adjuster, who will guide you through the process .

  • Services available:

    • Damage appraisals, reinspections, full loss adjustment

    • TPA and mediation representation

  ⏱️ Typical Timeline

  • Claims are usually closed within 30 business days from filing, with many resolved sooner

• 💳 Payment Methods

  1. iClient® Portal (for lender‑placed, investor & REO programs)

  • TMH issues monthly premium billing statements via the portal (or as agreed)

  • Accepted payment methods:

    • ACH

    • Credit Card (Visa, MasterCard, AmEx, Discover) — note that there’s a processing fee charged by the processor (One, Inc.), not by TMH. That fee is non‑refundable, even if the policy is canceled

    • Escrow (when available through lender bank)

  • Full payment required for each period—no partial payments allowed

  2. Escrow & Premium Financing

  • For many financial‑services programs, premiums can be included in your standard escrow or financed premiums—check your service agreement.

  3. Paid via Agent Services

  • Agency/agent billing may be arranged outside the portal for bespoke or wholesale programs.