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      Wright Flood Battlecard

       

       

      Wright Flood-1

       



      Phone Number(s):

        • Customer Service and Policy Information: 800-820-3242
        • Technical Support: 800-490-9953
        • Claims Processing: 800-725-9472
      • Underwriting Contacts:
        • NFIP UW: 800-820-3242, Press 7 followed by 5418
        • Private Flood UW: 800-449-8842

      Email(s):

       

      Customer Service Hours of Operation:

      • Monday to Friday 8:00 AM to 8:00 PM EST
      • Claims available 24/7

       

      Current Lines of Business/States:

      • Flood: All states except FL, HI, MA, NY, TX
      • Wright Flood Offers:
        • Coverage through NFIP
        • Residential Private Flood through ResiFlood
        • FloodPlus through Hiscox (Confirm if E&S prior to bind, usually non-admitted)
        • Excess Flood through Wright Flood 

       

      Carrier Access:

      • Shared Log-In via Last Pass
      • Manual Quote Only

       

      Quote Bots:

      • No bots for this carrier.

       

      Application Type: 

      • DocuSign 

       

      Carrier Market:

      • NFIP
          • Available to anyone living in one of the almost 23,000 participating NFIP communities. 
          • Homes in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.
          • The NFIP will insure a building that:
            • Is affixed to a permanent site
            • Has two or more outside rigid walls with a fully secured roof
            • Resists flotation, collapse, and lateral movement
            • Has at least 51 percent of the Actual Cash Value (ACV) of the building, including machinery and equipment that are a part of the building, above ground level,unless the lowest level of the affixed structure is at or above the Base Flood
      • ResiFlood
          • Coverage Amounts >$500K will require submission and approval prior to binding.
      • Wright Flood Excess Flood
        • Wright Excess flood insurance extends flood coverage amounts beyond the maximum limits of federal flood insurance.
        • Covers property values higher than the NFIP limits
        • Builds additional coverage onto an existing Wright Flood policy
        • Allows insured to insure up to the full replacement cost of their building, subject to underwriting guidelines
        • Adds additional coverage for property/contents as well
        • Similar coverage and exclusions as the NFIP policy
        • Underwritten by Wright Flood Insurance Company

       

      Important Guidelines:

      • The policy limits coverage for basement such as finished walls, floors, ceilings, or personal property kept in a basement. Personal property coverage in a basement is limited to: 
        • Air conditioning units, portable or window type 
        • Clothes washers and dryers
        • Food freezers, other than walk-in, and food in any freezer
      • The SFIP excludes coverage for hot tubs or spas, except where used as bathroom fixtures. 
      • The NFIP does not provide building coverage for shareholder units in a cooperative building.
        • Residents or tenants of a cooperative building may purchase contents coverage under the Dwelling Form.
      • The SFIP limits coverage for decks except for steps and landings to a maximum landing area of 16 square feet.
      • The SFIP excludes coverage for hot tubs or spas, except where used as bathroom fixtures. 
      • The SFIP excludes coverage for indoor or outdoor swimming pools.



      Additional Resources: