We work with agents and require a completed Agency Agreement. If you have questions, please Contact Us.

A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.

Anywhere it rains it can flood.

Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: such as rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development. New development miles upstream can create flooding in your area.

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance

All six New England states – CT, MA, ME, NH, RI and VT

  • Up to, $250,000 for building coverage
  • Up to, $100,000 for contents coverage

Any flood loss, whether covered by insurance or not would be considered a claim.  This applies if the loss was with a different owner.

Yes, the tax rate varies by state as follows:

  • MA – 4%
  • ME – 3%
  • NH – 3%
  • RI – 4%
  • CT – 4%
  • VT – 3%

Payment can be made as follows:

  • Check
  • ACH
  • Credit Card

Yes, if payment is made via ACH or credit card the following payment plans are available:

  • * Two Installment Plan
  • * Four Installment Plan

* A $25 fee applies to the Semi-Annual and Quarterly Payment Options

Underwriters at Lloyd’s London – AM Best Rating A

Yes, both the policy form and company of universally accepted by lending institutions.

An area inundation by the 1% annual chance flood event generally determined using approximate methodologies and lending institutions require the purchase of Flood Insurance.

Coastal flood with velocity hazard and lending institutions require the purchase of Flood Insurance.

Over the past 10 years, the average flood claims has been at $35,000.

Waiting period for the NEF program are as follows:

  • Agency Renewal – No Waiting Period
  • Required for a Loan Transaction – No Waiting Period
  • New Business to your agency with an Elevation Certificate – No Waiting Period
  • New Business to your agency without an Elevation Certificate – 5 Days

Go to the Claims section for details.  Information can be submitted by Email, Fax or Telephone.