DUAL’s flood program focuses on private primary and excess flood. Not only may your homeowner’s policy not cover flooding, even if it does you may still need excess coverage to truly protect your home or business. DUAL offers primary flood coverage through their revolutionary online rating portal as a competitive alternative to the NFIP. Excess flood coverage available in all 50 states.

Private primary flood key features:

• Non-admitted, nationwide
• Online portal for quoting, issuing and binding
• Three different capacity providers
• Replacement cost coverage for building and contents
• Ability to schedule multiple locations into one policy
• Competitive rates based on tier county locations
• Policy wording accepted by lenders

Excluded risks:

• Properties located in a community currently in an emergency program
• Coverage for mobile homes
• Medical equipment
• Perishable goods, including food and/or drink
• Business income and/or rental value only coverage

Excess flood key features:

• Coverage offered in all 50 states
• Non-admitted through Lloyds of London
• $20m all coverages combined (higher limits available on a submit-for-rating basis)
• TIV’s up to $50m

Excluded risks:

• Properties built on stilts over water
• Mobile, manufactured and prefabricated buildings
• Soft costs in respect of construction risks
• Medical equipment
• Food stuffs and perishable goods
• Contents not covered under an NFIP Policy located in basements
• Coastal barrier resource act (CBRA Zones) or non-NFIP participating communities