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    Primary & Excess Flood Quoting

    All carriers are A.M. Best rated A or higher. Not all business will qualify. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.

    Click on the Products Below


    Flood - Online Rating

    Product Advantages

        • Available in all 50 states
        • Replacement Cost coverage for building & contents
        • Ability to schedule multiple locations into one policy
        • Competitive with NFIP pricing
        • Waiting Periods:
          • No waiting period for mortgage loan closings
          • 7 days waiting period in respect of Coastal risks (Tier 1 &2)
          • 14 day waiting period for inland risk

    Available Limits:

        • Building & Contents combined up to $5,000,000 for Primary
        • Business Income/Rental Value – up to $500,000 per occurrence (14 day waiting period applies)
        • Excess – $45,000,000 over all interests per risk (additional limits available upon request)

    Eligibile Risks

        • Primary & Secondary Residential
        • Condos, Apartments, & Multi-Family
        • Commercial Properties

    Ineligible Risks

        • Properties located in a community currently in an Emergency Program
        • Mobile Homes
        • Medical Equipment
        • Perishable Goods, including food and drinks
        • Business Income and/or Rental Value only coverage

    Submission Requirements

        • NFIP/Acord application or renewing NFIP declaration page
        • Elevation Certificate needed for Post Firm A or V zones to bind coverage
        • Excel SOV for multiple locations
        • Confirmation of no prior flood losses

    Excess Flood - Online Rating

    To register for the online rater, please click on your Account Executive and follow the link:

    Ananka Willocks
    Paula Sanchez
    Mackenzie Harrington
    Richelle Ingram
    Robyn Staton

    Available in all 50 states

    Ineligible classes

    • Properties located on Fire Island, NY, Chesterfield, MO, Florida Keys and Padre Island, TX
    • COBRA & Emergency Zones Available
    • Properties built on stilts over water
    • Properties with negative elevation
    • Contents located in basement
    • Medical equipment
    • Food stuffs and/or perishable goods of any kind
    • Manufactured homes

    Available Limits/Coverage

    • Up to $15M aggregate per property – higher limits available upon request
    • $20M aggregate per building for residential, high rise condominiums (building coverage only)
    • Contents & Loss of Income available in conjunction with building coverage