Dual Flood

Dual's Flood Program is specifically designed for Residential, Commercial and Commercial Real Estate Buildings. Their programs include: Private Primary Flood and Excess Flood.

  • Carrier A.M. Best Rating: A

  • Private Primary & Excess Flood

Commercial Flood

Dual Guidelines: Primary Flood Program


Dual's Flood Program is specifically designed for Residential Properties. Their programs include: Private Primary Flood and Excess Flood.
Limits of Liability:

  • Building & Contents: $5M combined on any one building
Eligible Properties:
  • Primary & Secondary Residential
Minimum Deductible:
  • $2,000 per occurrence for Buildings
  • $2,000 per occurrence for Contents
Waiting Period:
  • No waiting period in respect to loan closing
  • 7 day waiting period for coastal (Tier 1& 2) risks
  • 14 day waiting period for inland risks
Program Benefits:
  • Competitive against NFIP pricing
  • Replacement Cost coverage for building & contents
  • No Elevation Certificate (EC) is required but some locations may require EC to bind coverage
  • Ability to schedule multiple locations into one policy
  • Loss of income/loss of rents coverage
  • Improvements & Betterments additional limits
  • Policy wording meets lender compliance




Dual Guidelines: Excess Flood Program


Limits Available/Per Occurrence:

  • $20 Million Over All Interest Per Risk
  • Additional Limits Available Upon Request
Building, Contents, Loss of Income:
  • $20 Million Condo Building
  • $10 Million Earthquake When Purchased with Excess Flood





Residential Flood

Dual Guidelines: Primary Flood Program


Dual's Flood Program is specifically designed for Residential Properties. Their programs include: Private Primary Flood and Excess Flood.
Limits of Liability:

  • Building & Contents: $5M combined on any one building
Eligible Properties:
  • Primary & Secondary Residential
Minimum Deductible:
  • $2,000 per occurrence for Buildings
  • $2,000 per occurrence for Contents
Waiting Period:
  • No waiting period in respect to loan closing
  • 7 day waiting period for coastal (Tier 1& 2) risks
  • 14 day waiting period for inland risks
Program Benefits:
  • Competitive against NFIP pricing
  • Replacement Cost coverage for building & contents
  • No Elevation Certificate (EC) is required but some locations may require EC to bind coverage
  • Ability to schedule multiple locations into one policy
  • Loss of income/loss of rents coverage
  • Improvements & Betterments additional limits
  • Policy wording meets lender compliance




Dual Guidelines: Excess Flood Program


Limits Available/Per Occurrence:

  • $20 Million Over All Interest Per Risk
  • Additional Limits Available Upon Request
Building, Contents, Loss of Income:
  • $20 Million Condo Building
  • $10 Million Earthquake When Purchased with Excess Flood





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