Flood Insurance Programs

By completing the Get A Quote application, flood quotations from programs that best fit a risk category will be provided. InsureFlood works with the following programs provided by several national program administrators:

Primary Flood Program (PFP)

Private market alternative to the NFIP with distinct benefits.

Risks with $2,500,000 and less in values
Replacement Cost Available
Private Primary Flood (PPF)
Catastrophic Coverage Insurance Program
Excess Private Primary Flood (EPPF)
EZ Flood® Standard
EZ Flood® Preferred
NFIP Excess
FloodWrap®
Floodwatch® Excess Flood Insurance
Non Par and CBRA Flood Insurance
NFIP

Excess Primary Flood Program (EPFP)

Certain underwriters at Lloyds – provides additional limit capacity to Primary Flood program.

Risks with $10,000,000 and less in values

Private Primary Flood (PPF)

Private market alternative to the NFIP, with distinct benefits.

Building Limits to $500,000
Contents to $500,000
Business Income to $500,000
Eligible Properties

Primary & Secondary Residential
Commercial Properties
Apartments, Multi-Family
Condominiums

No waiting period in respect to loan closing
7 day waiting period for coastal risk
14 day waiting period for inland risks

Catastrophic Coverage Insurance Program

Private market alternative to the NFIP, with distinct pricing.

Limits up to $5 Million available, eliminating the need for excess coverage in many cases.
Available for both commercial & residential structures.
Provides Basement Contents Coverage for finished basements, which is excluded under the NFIP.
Broader Flood Definition, no size requirement. NFIP requires 2 acres of inundation or 2 properties to be flooded.
Provides additional coverages not available through the NFIP: Additional Living Expenses, Increased
Cost of Materials, Business Interruption Building Ordinance and Law, even a Course of Construction option.
Accepted by mortgagees to satisfy mandatory FEMA Private Placement Guidelines.

Excess Private Primary Flood (EPPF)

Provides additional limit capacity to Private Primary Flood program

$20,000,000 Limits available – Building Contents, Loss of Income
$20,000,000 Condo Building
$10,000,000 Earthquake

EZ Flood® Standard

A simplified option to the NFIP

An attractive Private flood insurance option for eligible clients. Designed for residential properties in ‘A’ flood zones, EZ Flood offers simplified processes and underwriting.

Up to $750,000 building and $200,000 contents coverage
Streamlined with only 12 underwriting questions
No elevation certificate required
No photographs required
Accepted by over 1,000 lenders*
A+ rated financial backing
Competitively priced
No waiting period**
Available in all states except AK, DC, HI and KY
Available in ‘A’ zones only***
Optional Additional Living Expenses (ALE), food spoilage and swimming pool clean-up coverage
Eligibility

Located in non-mandatory areas (B, C and X flood zones)*
No known flood losses in the last five years

NFIP Excess

As the National Flood Insurance Program limits coverage on residential buildings to $250,000 and most homes are worth more than that amount, consider additional coverage in the event of a catastrophic flood.

Coverage for Residential and Commercial properties
Coverage up to $5MM (building and contents combined) for structures with replacement cost value up to $15MM
Available in all states except AK, DC, and KY
Coverage for all residential risks except condominiums
Eligible Risks

Residential properties
Commercial properties

Ineligible Risks

Buildings in COBRA zones
Buildings in Emergency Program
Negative elevated risks
Non-residential contents
Contents coverage without building coverage
Residential Condominium Building Association Policies (RCBAP) and single condo units
Risks with total replacement cost/actual cash value greater than $15MM

FloodWrap®

Complements the National Flood Insurance Program by adding additional coverages.

Basements Property (Personal and Real) for Post-FIRM Risks
Additional Living Expenses (ALE)
Golf Carts & Trailers
Higher Limits for Decks
Increased ICC Limits
Loss Avoidance Coverage
Septic System Pumping
Optional Excess Building Limits (up to $500,000 above NFIP limits)
Eligible Risks

All flood zones eligible
Single family and 2-4 family residential homes

Floodwatch® Excess Flood Insurance

Provides coverage above and beyond limits available from the National Flood Insurance Program (NFIP)
Provides coverage above and beyond limits contained in commercial policies
Covers residential and commercial properties
Maximum Insured $15 million all interests per risk: building, contents & loss of income
Coverage Available

Building, contents & loss of income
Contents coverage available on standalone basis
Replacement cost or actual cash value

Minimum retention limits

Building – Residential $250,000 | Commercial $500,000
Contents – Residential $250,000 | Commercial $500,000
Loss of income/rent: 10% or 30 days, whichever is greater

Eligible Property

Residential dwellings (1-4 family)
Apartments and condominiums
Commercial properties

Coverage is not currently available for properties in Florida Keys; Padre Island, TX; Sacramento, CA; Chesterfield, MO; Devils Lake, ND; and by levees along Trinity River in Dallas, TX

Non Par and CBRA Flood Insurance

Providing primary flood coverage for communities that are eligible for – but not participating in – the National Flood Insurance Program (NFIP), and the Coastal Barrier Resources System (CBRS) areas. This includes both residential and commercial properties.

Preferred Rating Program

Risks with positive elevation
No prior flood losses
Insured to maximum value/limit available

Limits Available

Building – Residential $250,000 | Commercial $500,000
Contents – Residential $100,000 | Commercial $500,000
Minimum Premium – Residential $500 | Commercial $1000

NFIP – National Flood Insurance Program from FEMA

Congress created the National Flood Insurance Program (NFIP) in 1968 to provide insurance to communities participating in the adaptation and enforcement of floodplain management ordinances with the hopes of reducing flood damage. Today the NFIP is administered by Federal Emergency Management Agency (FEMA). Rates for this federal program are federally set and do not differ by companies or agents.

By applying for coverage here, you will be able to get terms from the NFIP as well as other programs and carriers if qualified.

Residential Building $250,000 / Contents $100,000
Non Residential / Commercial $500,000 / $500,000
Condominium $250,000 times # of units

Quick facts about us

Primary Flood Program (PFP)
Excess Primary Flood Program (EPFP)
Private Primary Flood (PPF)
Catastrophic Coverage Insurance Program
Excess Private Primary Flood (EPPF)
EZ Flood® Standard
EZ Flood® Preferred
NFIP Excess
FloodWrap®
Floodwatch® Excess Flood Insurance
Non Par and CBRA Flood Insurance
NFIP

PROGRAMS