Question 1

Neptune Flood Guidelines

Accepted Answer

Our appointed agents have the ability to quote and bind directly online via Neptune Flood. Below are some of the underwriting & eligibility guidelines for your review: Coverage A - Building: Up to $2,000,000 Coverage B - Personal Property: Up to $500,000 Coverage F - Basement Contents: 75% of limit, up to $10k Coverage G - Pool Repair and Refill: Up to $10,000 Coverage H - Unattached Structures: Up to $50,000 Coverage I - Temporary Living Expense: 75% of limit, up to $10k Deductibles Deductibles: $1,000 - $50,000 Minimum Premiums: Homes $350 Condos and Tenant $250 Property Eligibility 1-4 family dwellings, including condos for unit owners Any occupancy, including seasonal, secondary and vacant States: AL, AZ, CA, CO, CT, DE, FL, GA, HI, IA, IN, KS, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV Ineligible Risks Properties with >1 loss OR 1 loss > $25k Manufactured or Mobile Homes A building located entirely in, on, or over water Grandfathered or CBRA properties

Question 2

Dual Guidelines: NFIP Program

Accepted Answer

Carrier A.M. Best Rating: “A” Excess Flood Private Primary Flood NFIP   Coverage Available: Residential Buildings  Contents Loss of Income (Loss of Rents)   Limits of Liability Residential: $250,000 Contents Residential: $100,000 Deductibles: Range $1,250 to $25,000

Question 3

Dual Guidelines: Primary Flood Program

Accepted Answer

You can submit risks for dual for one of our Underwriters to assist you.   Dual's Flood Program is specifically designed for Residential Properties. Their programs include: NFIP, Private Primary Flood and Excess Flood.   Carrier A.M. Best Rating: “A” Excess Flood Private Primary 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

Question 4

Dual Guidelines: Excess Flood Program

Accepted Answer

Carrier A.M. Best Rating: “A” Excess Flood Private Primary Flood 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

Flood

Residential Flood

Commercial Flood

London Underwriters