How Can Flow Help Me Write Flood Insurance?

  • What is private flood Insurance?

    Much like the National Flood Insurance Program (NFIP), private flood insurance protects homes and businesses against flood damage. Unlike the NFIP, private flood insurance doesn’t have coverage caps and can offer additional coverages, such as Business Income and replacement cost on contents.


    Private flood insurance can be offered on primary and excess terms. Another main difference between private flood insurance and the NFIP is the rating model. While the basis of rating for the NFIP is flood zones, private flood insurance carriers use geo-coding to evaluate flood risk on an individual basis.

  • What states does Flow write in?

  • Does Flow work directly with consumers?

    Flow is a Program Administrator that only distributes products through insurance agents. As such, we do not work directly with consumers.

  • What’s the appointment process?

    Our appointment process is simple and quick. Click here to request access and someone will be in touch with you within the next 24-48 hours to discuss our program and send our simple and easy agent agreement to have you fill out.

Quoting Flood Insurance

  • How do I get a quote?

    Flow uses a AI-driven comparative rater to help make quoting as easy as possible. Once appointed, you will have access to this cutting edge rater that can return multiple quotes on the same risk while requiring minimal input.

  • Can I override the flood zone on the quote/policy?

    You sure can! If your flood determination shows something different than ours and you believe yours to be correct, you are welcome to update it.

  • The comparative rater declined my risk, now what?

    If the rater has declined your risk, Flow can still help you find a home with one of our offline markets. Declines go straight to our underwriting que and we will work our best to find you an alternative private flood option.

  • How quickly can I get a quote?

    Our online comparative rater can return a quote in as little as 90 seconds from start to finish.

What Do I Need To Know About Flood Insurance?

  • Do I need an elevation certificate?

    Our carriers do not require elevation certificates.

  • Is private flood is accepted by lenders?

    Yes. With the ratification of the Biggert-Waters Act of 2012, lenders are required to accept private flood insurance as of 07/01/2019. At this time, this does not include FHA loans.

  • What limits are available for flood?

    Unlike the NFIP, private flood insurance does not have coverage caps.

  • What optional coverage's are available?

    Basement coverage, business income/temporary living expense, replacement cost on personal property/contents, pool coverage, and unattached structure coverage.

  • Is there a waiting period?

    Waiting periods depend on the carrier and quote you choose, however our private flood waiting periods are less than NFIP. Please pay special attention to the effective date of your quote and quote early to help your client receive coverage when they need it.

  • Can you quote risks with prior losses?

    Prior losses are eligible for coverage, but you may need to collaborate with Flow directly for an offline quote. As always, try the rater first.

Renewals/In-Force Policies

  • Are renewals automatic?

    Yes! Automatic renewals help avoid gaps in coverage and keeping in touch with your customers about the renewal process will help improve retention for your agency.

  • Who services in force policies?

    In force policies are serviced directly through your agency so you can maintain positive touchpoints with your customers, look for more cross sell opportunities, and keep in touch with customers.


  • What forms of payment is accepted?

    Credit card, debit card, or electronic check (ACH) is required at bind.

  • Can you set up mortgagee bill?

    Policies can be set up to renew on mortgagee billing and the first year is paid up front.

  • Do you offer payment plans?

    All flood policies require payment in full in order to bind.