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         U.S. Department of Homeland Security - Federal Emergency Management Agency - National Flood Insurance Program

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              About Flood Insurance
              Flood Risks
              Why Buy Flood Insurance
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              NFIP's Pricing Approach
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			      Market and Sell
        
    
              The Cost of Flooding
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			      Write a Policy
        
    
              Resources for Writing a Policy
              Elevation Certificates
              Before and After a Flood
          
                                	
			      Before and After a Flood
        
    
              Flood Loss Avoidance
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			      Retain Clients
        
    
              Renewing Insurance
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              Map Update Resources Resources for Writing a Policy
          Elevation CertificatesTake the Guesswork Out of Writing a Flood Policy.

Your clients trust you to keep them informed about the protection they need and to have the technical knowledge necessary to accurately sell and service flood insurance.

The top two Errors and Omissions (E&O) pitfalls are **not offering coverage** and **not offering the right amount of coverage**. As an insurance agent, you have a responsibility to inform your client about all their risks and what coverage is available, including the risk of flooding. Otherwise, your client may hold you accountable for their flood loss. You may also need to evaluate coverage scenarios if your client is experiencing ongoing flooding.

Standard flood insurance policy forms

The NFIP offers three flood insurance policy forms. These forms provide policyholders with a description of their coverage and other important policy information.

Dwelling Policy Form

Issued to homeowners, renters, and condominium unit-owners.

General Property Policy Form

Typically issued to owners or lessees of non-residential buildings.

Residential Condominium Building Association Policy (RCBAP) Form

Issued to residential condominium associations on behalf of association and unit owners.

The October 2015 standard flood insurance policy forms are used on all claims reported with a date of loss prior to Oct. 1, 2021.

Resources for writing a policy
              Flood Insurance Manual
      The Flood Insurance Manual outlines the general rules, eligibility, and application guidelines to write and rate a flood insurance policy.

				 
  Specific Rating Guidance
      This Specific Rating Guidelines manual provides the rules and rates for submit-for-rate risks. These are properties at high flood risk that, because of peculiarities in their exposure to flooding, do not lend themselves to pre-programmed rates noted in the Flood Insurance Manual.

				 
  NFIP Services
      Visit NFIP Services for the latest information from the program, including information about bulletins and updates to the Flood Insurance and Claims Manuals.

				 
  Agent Training Courses
      Agents looking to brush up on flood insurance basics, including writing a policy, are encouraged to sign up for NFIP agent training courses.





FEMA | National Flood Insurance Program
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