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Flood Insurance Revamp is Here: How Are Your Insureds Affected?

Homeowner's can expect rate changes to policies issued under the National Flood Insurance Program.

New federal flood insurance rates designed to better reflect the real risks of climate change are on the way. The changes to the National Flood Insurance Program mean three-fourths of existing policyholders across the nation will see higher flood insurance…

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In Aftermath of Hurricane Ida, Steps for Expediting Insurance Claims

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First the lights started flickering in her living room the other night last week. Then the wind ripped a hole through the roof of Danielle Cherry’s two-bedroom home along Highway 427 in Prairieville, La. In the weeks ahead, Cherry and…

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As Hurricane Season Peaks, Homeowners Catch Wind of Insurance Options

Hurricane Nicholas, the 14th-named storm of the current Hurricane season and the second hurricane to make landfall in the United States this year, may serve as a harbinger of what is likely to still come, according to the National Oceanic…

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In Complex Florida Insurance Market, Agents Discovering TRUE Alternatives for Homeowners

After learning the total premium to insure his home would double from a year ago, Karlos Horn was “flabbergasted.” Horn, a 35-year-old law student who owns a four-bedroom, single-family home in Hendry County, Fla., said his adjusted $200-per-month premium is…

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As Hurricane Season Reaches Peak, Review Insurance to Avoid Coverage Mistakes

  Despite early doldrums, the federal government is upping the ante on another active Atlantic hurricane season in 2021. As the hurricane season enters the peak months of September, and October, the National Oceanic and Atmospheric Administration is now predicting…

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Hurricane Prep List: Is Your High-Net-Worth Home Ready for Next Storm?

high-net-worth insurance

As Hurricane Irma approached Florida, a Miami attorney moved a prized art collection to the second floor of his home, hoping to minimize water damage from what seemed like an imminent storm surge. Even though the hurricane took a different…

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Hurricane Prep List: Is Your Coastal Residential Property Ready for Next Storm?

After Hurricane Ivan damaged their coastal home in Pensacola, Fla., in 2004, Calvin and Elizabeth Moore went to work, shoring up the roof and windows. The upgrades did little to prevent significant damage some 15 years later when Hurricane Sally…

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FEMA Unveils First Update to National Flood Insurance Program in Half-Century

flood insurance

Flood insurance premiums could rise as much as four times more than their current rates in the next few years when the first major update to the beleaguered National Flood Insurance Program in 50 years begins to take effect in October.

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From Texas to Massachusetts, Hurricane Season Spares Few Coastal Counties

Orchid Insurance offers windstorm coverage to residential and commercial property owners including many who endured the most active hurricane season in recorded history.

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Jose Cruz
Jose Cruz

Wind Deductible Buybacks Lessen Blow from High Premiums and Frequent Storms

As Tropical Storm Isaias ripped across the Eastern shore the first week of August, Chad Barrick could see a section of the roof lifting just a bit

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    • About Us
      • Who We Are
            • Who We Are


            • Our Story

              For more than two decades, we have consistently delivered outstanding coverage solutions in the insurance industry.

      • News & Media
            • News & Media


            • Our Blog

              The latest industry news, insights, and features.

      • Careers
            • Careers


            • Careers

              Our growth is fueled by the dedicated and talented professionals.

    • Products
      • Personal Lines
            • Personal Lines

              Our Unique Solutions Bring Together Outstanding Products At Competitive Prices With Close To A Dozen Trusted Carriers.


            • Homeowners

            • Builders Risk

            • Flood Programs

            • Inland Marine

            • Wind Only

            • Excess Flood


      • Digital Partnerships
            • Digital Partnerships

              Offers our partners coverage solutions that reduce friction points, increase efficiencies, and provide self-service digital offerings.


            • Jewelers Mutual

            • NFIP

            • Neptune Flood

      • State Guidelines
            • State Guidelines


            • State Guidelines

              Today Orchid partners with agents in all 50 states.

    • Get Appointed
    • Claims
    • Payments
    • Contact
    • Agent Login
  • 1-866-370-6505
  • FAQ