Private Primary Flood

No other type of natural disaster has done more damage and destruction than flooding. In fact, according to the Federal Emergency Management Agency (FEMA), just 1 inch of water can cause $27,000 or more in damages to your property. It is important to remember that your insured’s homeowner policy oftentimes does not cover flooding, and even if it does you may need excess coverage to truly protect your home.

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Orchid offers an alternative to the National Flood Insurance Program by providing appointed agents access to a Private Primary Flood program on non-admitted paper. This private market allows a higher limit than the NFIP, and does not require the 30 day waiting period.

Key Features:

  • No wait on real estate closings or rollovers from another flood policy.
    • 10-day waiting period otherwise
  • Competitive with NFIP pricing
  • Policy wording meets lender compliance
  • $15 million Property Coverage
  • $500,000 Contents Coverage
  • Additional coverage available including:
    • Temporary Living Expenses (up to $50,000)
    • Replacement Cost on Contents
    • Unattached Structures (up to $100,000)
    • Pool Repair & Refill (up to $20,000)
    • More options available!

Eligible Properties

  • Primary & Secondary Residential
  • Apartments, Multi-Family
  • Condominiums

FAQ

Are Private Primary policies lender compliant?
Yes, Private Primary Flood policies are lender compliant.

Is billing direct or agency billed?
Private Primary Flood policies are billed on an agency billed basis.

Is Replacement Cost Coverage available?
Yes, Replacement Cost Coverage can be added.

Appointed agents with Orchid automatically have access to this market through the Agent Login. No flood educational certificate is required to quote.

Get Contracted

As an Orchid-contracted partner, your agency’s success is our priority. You can rely on our dedicated support and expertise to offer your clients best-in-class service.

Start Quoting

Orchid online quoting is your quickest and most convenient resource for paperless quoting and binding.