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Residential Flood

London Underwriters offers Residential and Commercial Flood programs available through NFIP, Neptune Flood and Dual. Our programs offer both primary and excess flood coverage.

Email newbusiness@londonuw.com for a quote.

  • Residential & Commercial Flood

  • Primary & Excess Available

  • Programs Available: Neptune Flood, Dual, and NFIP

 Neptune Flood Guidelines

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:

A

COVERAGE

Building: 
Up to $2,000,000

G

COVERAGE

Pool Repair & Refill: 
Up to $10,000

B

COVERAGE

Personal Property: 
Up to $500,000

H

COVERAGE

Unattached Structures: 
Up to $50,000

F

COVERAGE

Basement Contents: 
75% of limit, up to $10k

I

COVERAGE

Temporary Living

Expense: 
75% of limit, up to $10k

Deductibles

$1k - $50k

Minimum Premiums

$350

Homes

$250

Condos & Tenant

Property Elegibility

  •  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

Neptune Food Guidelines

Dual Guidelines: NFIP Program

Dual Flood

Carrier A.M. 
Best Rating: “A”

Excess Flood

Excess Flood

Private Primary Flood

Private Primary Flood

NFIP Program

NFIP

Limits of Liability
> Residential: $250,000

Contents
> Residential: $100,000

Deductibles
> Range $1,250 to $25,000

Coverage Available

NFIP Program

Residential Buildings 

NFIP Program

Contents

NFIP Program

Loss of Income (Loss of Rents)

Dual Guidelines: NFIP Progam

Dual Guidelines: Primary Flood Program

You can submit risks for Dual to 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.

Primary Flood Program

Carrier A.M. 
Best Rating: “A”

Excess Flood

Excess Flood

Private Primary Flood

Private Primary Flood

Eligible Properties

Residential Flood

Primary & Secondary
Residential

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

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

Limits of Liability

Building & Contents: $5M combined on any one building

Minimum Deductible

> $2,000 per occurrence for Buildings
> $2,000 per occurrence for Contents

Dual Guidelines: Excess Flood Program

Excess Flood Program

Carrier A.M. 
Best Rating: “A”

Residential Flood

Excess Flood

Residential 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

Dual Guidelines: Primary Flood Prgram
Dual Guidelines: Excess Flood Program
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