Excess Flood

Offered by Shelly, Middlebrooks & O'Leary, Inc.

Flood Excess Flood Homeowners HO3 Personal Lines HO5


Flooding affects all properties in all flood zones and it is an exposure that is frequently overlooked. Imagine a $1,000,000 home carrying just $250,000 of flood protection. This is often the case when a homeowner can only secure insurance from the National Flood Insurance Program. Shelly, Middlebrooks & O'Leary Excess Flood insurance provides higher limits in excess of primary flood coverage for a high value home that is exposed to flood.

Coverage Highlights
  • Coverage limits in excess of limits available under the National Flood Insurance Program (NFIP) or a write your own (WYO) program
  • Customized coverage limits available
  • Coverage is provided on a “follow form” basis to the underlying policy
  • $25,000 for debris removal above the coverage provided by the NFIP
  • Coastal and non-coastal homes in any flood zones are eligible
  • Single-family and multi-family dwellings available
  • Secondary homes, rental homes, and condominium units available
  • Additional living expense up to $25,000 is provided for all primary homes
  • Optional coverage extension for secondary homes to provide the difference in actual cash valuation and replacement cost valuation


$10M Maximum Premium

$250K Minimum Premium

Has Pen

Appointment Required

Carrier Information

"A" XV Rated Carriers


Listing Contacts

Liz Adams Underwriter

+1 more contact

Offered By

Shelly, Middlebrooks & O'Leary, Inc.

17 listings in 8 states

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Availability 5 states

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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