Flood Insurance FAQs

Private flood insurance organizations can evaluate individual property characteristics instead of using one government rate structure. When a property fits the carrier guidelines, the coverage is typically better, and the premium is often substantially lower than the NFIP premium.

Almost all lenders accept private flood insurance policies, as long as the policy coverage meets the lender's flood insurance requirements. Superior Flood can help provide documents to a lender or mortgage company when needed to review the policy.

In many cases, no. The quoting process is short and simple, and typically starts by gathering the property address and basic building data. If an underwriter needs additional documentation, such as an elevation certificate, our team will reach out to the insured and specify what ancillary information is needed.

All quotes are reviewed promptly after the property details are submitted. You can expect to receive your quote within minutes of submitting your information. There are rare cases in which additional information may be needed.

The property address, occupancy type, and desired coverage amount are the most important details required. Lender information and any current flood policy details will help expedite the process as well. Our team will help fill in any gaps during the quoting process.

Yes. Our team coordinates with lenders, mortgage companies, and real estate agents on a daily basis, ensuring that policy documents, invoices, and required coverage information are sent to the appropriate parties as needed. It is important that all parties are on the same page during transactions to streamline the process.

Superior Flood supports flood insurance placement for both residential and commercial properties that fall within the company's guidelines. You can talk to a live agent or fill out a quick form on our website to get an estimate of your coverage.

Acquiring a flood policy through Superior doesn't just include knowledgeable customer service. When you get a policy in our private market, you are backed by Lloyd's of London. They have the number one rated claims service in the world and are the largest global insurance marketplace. They are known for underwriting specialized risks and insuring unusual and complex risks.