Flood Insurance Program
Primary & Excess Coverage
Primary & Excess Coverage
Private Primary Flood Insurance Program
Quick, Easy, Reliable flood insurance is a click away. We’ve simplified what can be a complicated, time-consuming task. Let our flood insurance professionals assist with your agency flood insurance needs.
NFIP Flood Insurance Program
Primary Coverage
FEMA/National Flood Insurance Program (NFIP)
The NFIP Program is available in all states.
Cluett Advantage: All Claims Serviced Internally
Unlike many other carriers that write Flood Insurance through FEMA/NFIP on a Write Your Own (WYO) policy, our carrier services all aspects of the program internally, not through a Third-Party Administrator (TPA).
Ask Us About: Grandfathering
Grandfathering is the Most Overlooked Optional Rating on the National Flood Insurance Program.
FEMA/National Flood Insurance Program (NFIP)
The NFIP Program is available in all states.
Cluett Advantage: All Claims Serviced Internally
Unlike many other carriers that write Flood Insurance through FEMA/NFIP on a Write Your Own (WYO) policy, our carrier services all aspects of the program internally, not through a Third-Party Administrator (TPA).
Ask Us About: Grandfathering
Grandfathering is the Most Overlooked Optional Rating on the National Flood Insurance Program.
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Excess Coverage
Cluett Advantage: Excess Flood Policy
Banks and Mortgage companies may require limits that exceed those offered through the NFIP policy.
In addition, in many cases the Insured's properties exceed the NFIP policy limits.
Download: Excess Coverage Limits, General Rules & Underwriting Guidelines
Check: Excess Flood Eligible States
Check: Excess Flood Ineligible Risks
Cluett Advantage: Excess Flood Policy
Banks and Mortgage companies may require limits that exceed those offered through the NFIP policy.
In addition, in many cases the Insured's properties exceed the NFIP policy limits.
Download: Excess Coverage Limits, General Rules & Underwriting Guidelines
Check: Excess Flood Eligible States
Check: Excess Flood Ineligible Risks
Educational Resources
Download: Flood Insurance Basics
Download: Coverages & Definitions
Download: Flood Insurance Claims Handbook
Download: Flood Map Changes - Tips & Talking Points
Training: Free Online Training Courses For Insurance Agents
Interactive Data: Historical Flood Risk and Costs By State
Download: Flood Insurance Basics
Download: Coverages & Definitions
Download: Flood Insurance Claims Handbook
Download: Flood Map Changes - Tips & Talking Points
Training: Free Online Training Courses For Insurance Agents
Interactive Data: Historical Flood Risk and Costs By State
The Flood insurance Program offered through Cluett varies by state, minimum premium, eligible classes, and modification factor or by loss ratio. The underwriters at Cluett review each submission to match program eligibility and provide a quote(s) when available. Please contact our Underwriting Department for questions or information on all available programs.
Other Available Programs
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Commercial Auto:
Commercial Auto Programs Workers' Compensation: Programs & Products Hazardous Industries FlexPay Program Business Owner's Policy: BOP Programs |
Liability Programs:
General Liability Umbrella/Excess Liability Snow Removal Contractors Package Insurance Programs: Business Insurance Day Care Facilities |
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