When the reply asks for more information

Answers: Why did I get a request for details instead of quotes? How do I respond? Do I have to resend everything? What happens if I can't provide what's asked?

Why this happens

Carriers require a minimum set of answers before they can quote. When your submission doesn't cover them — even after gaps are filled with your agency's standard defaults — the reply lists exactly what's still needed instead of returning quotes. This is the most common outcome for a first submission, and nothing is lost: everything you sent is kept on the thread.

How to respond

1. Reply on the same email thread.

2. Answer the listed items in plain language in the body, or attach a document that contains them.

3. Send.

The full thread is re-read and the submission requotes. You never have to resend information — everything you sent earlier in the thread, in the body and in attachments, carries forward, and the most recent value wins where they differ.

Here is an example email:

The insured's revenue is $4.2M and they have 38 employees. Website is acmefoods.com.

If the requests stop

After three rounds of asking without the required details, the asking stops and a final reply confirms the submission has been referred for review, with an underwriter to contact you — usually within 24 hours. You can still move things along by replying with the missing details on the same thread.

Keep the thread intact

Reply from the same address you submitted with, and don't edit the subject line — a rewritten subject can start a new, empty conversation instead of continuing your submission. See You emailed a submission and nothing came back if a reply seems to have gone nowhere.