Flood

Competitive Flood coverage ideal for residential, commercial, and condominium buildings



DUAL’s Flood program focuses on Private Primary and Excess Flood. Not only may your homeowner's policy not cover flooding, even if it does you may still need excess coverage to truly protect your home or business. DUAL offers primary flood coverage through their revolutionary online rating portal as a competitive alternative to the NFIP. Excess Flood Coverage available in all 50 states. 

Highlights
  • A.M. Best rated A XV
  • Competitive with NFIP pricing
  • Policy wording meets lender compliance
  • No Elevation Certificate (EC) is required but some locations may require EC to bind coverage
  • Non-admitted in all 50 States
Coverages Available
  • Buildings and contents coverage mirrors the NFIP form and is lender compliant
  • Business income / rental value (including extra expense)
  • Loss of income - net business income or loss of rent
Program Benefits
  • Ability to schedule multiple locations into one policy
  • Loss of income/ loss of rents coverage
  • Improvements & Betterments additional limits
  • Replacement cost coverage for building & contents
    • Private primary flood only
A XV
rated carrier
100+ years
of combined experience
Online Rating
Rate, quote, bind
Submission Requirements
  • Acord application
  • DUAL supplemental
  • NFIP application / dec page
  • Elevation certificate
    • If required
  • Loss runs
Contact the Experts
Patrick Small
President, DUAL Specialty Flood
973-631-7575 x 160
psmall@dualinsurance.com
Thomas Becker
Director of Business Development
973-631-7575 x 161
tbecker@dualinsurance.com
Teri Lawson
Senior Underwriter
973-631-7575 x 162
tlawson@dualinsurance.com
Luis Calderon
Underwriter
973-631-7575 x 163
lcalderon@dualinsurance.com
Michael Culbert
Underwriter
973-631-7575 x 608
mculbert@dualinsurance.com
Amy Plaskon
Underwriter
973-631-7575 x 190
aplaskon@dualinsurance.com
Wendy Miller
Senior Underwriting Associate
973-631-7575 x 192
wmiller@dualinsurance.com
Eleanor Lanning
Underwriting Assistant
973-631-7575 x 145
elanning@dualinsurance.com
Marisela Urquizo
Underwriting Assistant
973-631-7575 x 180
murquizo@dualinsurance.com
Kayla Miller
Underwriting Assistant
973-631-7575 x 146
kmiller@dualinsurance.com

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