Flood Insurance

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Even when floods are the most common and deadliest natural disaster in the US, about 90% of homes in the country are not insured for flood.

 
 

NOAH is the program where you can request coverage for properties that can suffer damage caused by flood.  With our flood application you can choose between different carrier quotes and consider dynamic, comparative instant rates to renew against your client's current NFIP policy.

Coverages

  • Up to $5M in Dwelling and $1M in Contents

  • Up to $5M in Building Coverage

  • Additional Living Expense and Loss of use (available

    depending on carrier and policy details).

  • Loss of rents

  • Basement

  • Earthquake*

    *Not available via the multi-carrier rater, please ask your assigned underwriter for more information about this coverage.

Additional Coverages

  • Business Interruption up to $25K and higher per availability

  • Debris Removal

  • Basement Contents

  • Real Property

  • Swimming Pool Repair & Refill, Basement Contents, Separate Structures

  • Replacement cost loss adjustment

    *Coverages may vary depending on the carrier

Deductibles

Can be as low as $1,000-$2,000 and as high as $50,000

Flood Markets

We want to help your clients protect what matters most. Our flood insurance program will make sure that they have the coverage they need at affordable rates.

Our Markets include:

● Private Flood

● Excess Flood

● Commercial Flood

● Condominium Flood

● NFIP quotes (When the private market does not offer a quote).

What makes our program different

  • Instant Indications from multiple carriers in minutes or days.

  • Access to A+ carriers.

  • 24-hour turnaround times!

  • Eligible risks.

  • ACV & RCV options are available.

  • Elevation Certificate (typically not required).

  • No waiting periods for certain carriers.

  • 5-star Insurance Technology Provider in 2022

  • We can provide coverage in every state.

  • Varies per carrier, some do not have a waiting period.

  • We do not require a certificate of elevation.

  • Our policies are accepted by lenders.

  • Rebuild limits vary per carrier.

  • Varies per carrier, with appropriate notice some can cancel policy.

Target Occupancies

Commercial Lines: Condominiums, Shopping Centers, Offices, Professional Buildings and others.

Personal Lines: Houses, apartments, bungalows, condos, historic buildings and others.

A modern insurance approach

Through our online application process, you receive instant quotes, faster underwriter responses, and easy access to the coverage you are looking for!

Frequently Asked Questions

Why choose Private Flood

Private flood covers higher limits and offers broad property coverage in a short bidding period of time.

Do you cover high-risk flood zones

All flood zones are eligible for quoting.

Can I schedule multiple locations

We can do multiple building schedules, but it would not be from the multi-carrier rater and would need to directly come be worked with the carrier’s underwriting.

An insurer may cancel the policy

With appropriate notice an insurer may cancel the policy. However, some carriers follow NFIP rules for cancellations depending on full-term or mid-term cancellations.

How can I contact my underwriter

You can resolve your doubts easily! Once your application is submitted, click on the comment box inside our online portal and chat with your underwriter.