Excess Flood

Water damage from flooding happens more often than you might think. Floods are the #1 disaster in the U.S. and occur in all flood zones. Excess Flood insurance covers you when a federal flood policy or private flood policy isn’t enough. For example, in the event of a loss, once you have exhausted the NFIP limit of $250,000, the Excess Flood limit begins to apply.

Excess Flood covers additional costs above the NFIP maximum limits. While standard flood is available through the NFIP, protection with Orchid’s Excess Flood means your client is covered above and beyond where others draw the line.

Key Features:

  • Excess insurance above NFIP limits of $250,000 on residential properties
  • Limits up to $10 million available
  • Coverage includes buildings, contents and loss of income (including extra expenses)
  • Excess & Surplus lines insurance markets with A.M. Best rated A- or better
  • Individually underwritten with customized limits and terms
  • Insurance quotes offered within 72 hours of submission
  • Multiple carriers provided when presented with elevation certificates of submissions in A and V zones

Rating Factors

Rates are calculated based on a number of factors, such as:

  • Home’s location, age, and flood zone
  • Elevation
  • Distance to coast
  • Amount of coverage

*Coverage varies by carrier and region.

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