Flood - Standard/Excess
FLOOD
Britt/Paulk offers Standard Flood Insurance through the National Flood Insurance Program (NFIP) through the online system as well as Excess Flood Insurance that provides coverage above and beyond limits available from the NFIP. Coverage options include: building, contents, and loss of income.
DIRECTIONS FOR SUBMISSION
| DIRECTIONS FOR SUBMISSION | Email:Flood@brittpaulk.com Fax:770.836.8563 For Excess Flood Coverage, the underlying NFIP policy dec page is preferred to accompany the application. |
|---|---|
| flood information sheets | FEMA Summary of Coverage Form Agency E&O Flood Article Flood Ins Responsibility Waiver Excess Flood Information Flyer |
STANDARD FLOOD
A standard flood insurance policy is a single-peril (flood) policy that pays for direct physical damage to an insured property up to the replacement cost or Actual Cash Value (ACV) of the actual damages or the policy limit of liability, whichever is less.
| access | For Access each Appointed Agency must also fill out the Agent Flood Approval Sheet Here. |
|---|---|
| RATING | Admitted, A.M. Best "A" |
| TERRITORY | National |
| Type of flood insurance |
Property
Contents
The NFIP encourages people to purchase both types of coverage. Mortgage companies can require the purchase of a certain amount of flood insurance coverage. |
| eligible propertieS | 1-4 Family Residential buildings and single family dwelling units in a condominium building. |
| 3 important facts on standard flood |
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| coverage | Building Property Coverage
Personal Property
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EXCESS FLOOD
Excess Flood Insurance is coverage above and beyond limits available from the National Flood Insurance Program (NFIP) as well as self insured retentions and other primary programs. Coverage options include: building, contents, and loss of income.
| RATING | Non-Admitted, A.M. Best "A" |
|---|---|
| TERRITORY | National (excluding AK, CA, HI, OR, WA), excluded counties in TN (Clay, Davidson, Jackson, Smith, Sumner, Trousdale, Wilson, area of Hickory Lake), Fire Island, NY; Chesterfield, MO; Padre Island, TX; Monroe Co, FL; Florida Keys |
| ELIGIBLE PROPERTIES |
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| EXCLUDED CLASSES |
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| MINIMUM Earned PREMIUM | Residential-$500 or 50%, whichever is greater Commercial-$1000 or 50%, whichever is greater |
| MAXIMUM LIMITS | $15 Million aggregate over all interest |
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Commercial Primary Flood
| RATING | Non-Admitted, A.M. Best “A-” VII |
|---|---|
| TERRITORY | National |
| ELIGIBLE PROPERTIES |
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| MAXIMUM LIMITS | $5 Million Building Coverage, $1 Million contents |
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