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.

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:

  • Combines Building & Contents Limit up to $5 million
  • Competitive with NFIP pricing
  • Policy wording meets lender compliance
  • No waiting period in respect to loan closing
  • Seven day waiting period for tier 1 & 2 risks
  • 14 day waiting period for inland risks

Eligible Properties

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


Is the Dual policy admitted or non-admitted?
It is on non-admitted paper.

What paper is the flood policy written on?
DUAL Commercial LLC operates as a Lloyd’s Cover-holder providing insurance terms and policy issuance on behalf of Underwriters at Lloyd’s, London. Lloyd’s is rated A+ (Strong) by Standard & Poors, and A (Excellent) by A. M. Best.

Is the Dual policy lender compliant?
Yes, the Private Primary Flood policy is lender compliant.

Is billing direct or agency billed?
The Private Primary Flood policy is 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. For more information, view our download section on the right side of the page.

Get Appointed

As an Orchid-appointed 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.

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