Residential Primary Flood

This residential flood program builds on RT Specialty's past experience in assisting homeowners in obtaining protection in times of need. This program, underwritten by Certain Underwriters at Lloyd's, has a generally wider scope of coverage and a choice of higher limits than most alternative flood products currently available.

  • 7 day waiting period for new business
    • Does not apply when lender mandates an insured purchases flood insurance (proof of closing required)
    • Does not apply as a result of the insured building is reclassified as a Special Flood Hazard Area within the previous 60 days
  • No need to obtain flood certificates
  • Direct Bill available
  • Choose your coverage (limits subject to change) Dwelling Replacement Cost up to $1.25M or NFIP limits
    • Personal property up to $875k &emdash; replacement cost optional
    • Other structures up to $125k
    • Additional living expenses up to $250k

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.

800.235.3817, Option 4 then Option 2