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Private Primary Flood

We provide primary flood coverage via our innovative online rating portal, offering a compelling alternative to the NFIP (National Flood Insurance Program)

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Program Benefits

  • Replacement Cost coverage for building & contents

  • Ability to schedule multiple locations into one policy

  • Competitive rates based on tier county locations

  • Policy wording accepted by Lenders

Available Limits

  • Building & Contents: $3.5M combined on any one building
    per occurrence (building and contents)

  • Business Income/Loss of Rents: $500,000 per occurrence

Eligible Properties

  • Residential & Commercial buildings

  • Condos - Minimum of 4 stories, positively elevated A+V zones

Coverages Available

  • Buildings and Contents coverage mirrors the NFIP form and is Lender Compliant

  • Business Income/Rental Value (Including extra expense)

Minimum Attachment Points

  • $2,000 per occurrence in respect of Primary Building coverage

  • $2,000 per occurrence in respect of Primary Contents coverage

Exclusions

  • Properties located in a community currently in an Emergency Program

  • Coverage for mobile homes

  • Medical Equipment

  • Perishable Goods, including food and/or drink

  • Business Income and/or Rental Value only coverage

Submission Requirements

  • NFIP/ACORD Application or renewing NFIP Dec Page

  • DUAL Supplemental

  • Elevation Certificate needed for Post Firm A or V zones to bind coverage

  • Excel SOV for multiple locations

  • Confirmation of no prior flood losses

  • Loss Runs

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