Private Primary Flood

Offered by Orchid Insurance

Flood Water Damage Private Flood Personal Lines Primary Flood


No other type of natural disaster has done more damage and destruction than flooding. In fact, according to the Federal Emergency Management Agency (FEMA), just 1 inch of water can cause $27,000 or more in damages to your property. It is important to remember that your insured’s homeowner policy oftentimes does not cover flooding, and even if it does you may need excess coverage to truly protect your home.

Orchid offers an alternative to the National Flood Insurance Program by providing appointed agents access to a Private Primary Flood program on non-admitted paper. This private market allows a higher limit than the NFIP, and does not require the 30 day waiting period.

Key Features:
• Combines Building & Contents Limit up to $5 million
• Competitive with NFIP pricing
• Policy wording meets lender compliance
• No waiting period in respect to loan closing
• Seven day waiting period for tier 1 & 2 risks
• 14 day waiting period for inland risks

 Eligible Properties:
• Primary & Secondary Residential
• Apartments, Multi-Family
• Condominiums


Appointment Required

Carrier Information

Multiple Markets Available



Rating A- or Better

Rating By A.M. Best

Listing Contacts

Forrest Nulton Marketing Rep

+1 more contact

Offered By

Orchid Insurance

29 listings in 50 states + DC

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Availability 50 states + DC

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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