How Do I Get A Policy

How do I get a new policy? 

​

Easy! Go to the quote page on this website and you will be prompted to enter your address and foundation type, after which you will see your new low rate. You can adjust the slider to increase or decrease the coverage amount.

The site will then take you through various easy to answer questions regarding your property. After completion of the application, you will be prompted to pay for the first year. A copy of your new policy will then be emailed to you.  

​

This process takes about 3 minutes or less. 

Will claims be handled any differently than they would with the NFIP?

Absolutely. Government agency programs are not known for being easy to understand or navigate. If you don't agree with the claim determination from the NFIP, your option is to go to federal court. Not easy. 

At OneFlood Insurance, we will walk you through the process so that your claim is handled quickly and efficiently.

What is covered in a private flood insurance policy at OneFlood?

Similar to the NFIP, the two basic elements of a OneFlood insurance policy are the structure and the contents, but that is where the similarities end. OneFlood offers many enhancements not available from the NFIP or many other private flood insurance companies. 

See the differences here:

Why should I trust private flood insurance?

OneFlood Insurance works with some of the largest private flood insurance markets in the world with a strength rating from A.M Best of A or better by A.M. Best.  With this financial stability, you can rest assured that you are in good hands.

Can you bill my mortgage company?

Yes. However, similar to the NFIP the first year must be paid at the time of policy creation. After that, we can bill your mortgage company so that the funds can come out of your escrow.

I am currently an NFIP customer. How do I cancel my existing policy?

Effective October 1, 2018, the National Flood Insurance Program will allow customers to cancel their flood policy mid-term, but only if a duplicate policy has been secured from another source. Examples of a duplicate policy include Private Flood Insurance. The secondary insurance policy must be for building coverage on the same building that is currently being insured by the NFIP flood policy.

Your cancellation request must be made within the current NFIP policy year. You’ll need to provide a copy of your non-NFIP flood policy declaration page as well as a statement from the mortgagee accepting the non-NFIP policy as the replacement policy.

​

You will receive a pro-rated refund on any unused portion of the ICC premium, Reserve Fund Assessment, and HFIAA Surcharge. If applicable, you will not get a refund on the Federal Policy Fee and Probation Surcharge. Customers can only receive a refund for unused portions of their current NFIP policy and will not receive any refunds for past years that the policy was held.

​

Click here to fill out a copy of the form you will need to submit to the NFIP. Still have questions? Give us a call we may be able to help.

Can I Get A Sample Policy?

Click here to view a specimen copy.