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Flood Insurance

IMPORTANCE OF FLOOD INSURANCE

PROVIDE COMPREHENSIVE PROTECTION

PTI FLOOD RATER

FLOOD INSURANCE MADE SIMPLE

WHY PTI?

QUICKER, BETTER, MORE OPTIONS

FLOOD FACTS

WHY PROVIDING FLOOD INSURANCE PROTECTION BENEFITS YOUR CLIENTS

  • Purchasing flood insurance is the first line of defense for your clients against flood damage, and a step toward a quicker recovery following a flood.

  • Due to its extensive coastline, low elevation and high water table, flooding is a coast-to-coast threat to Florida.

  • Because of the potential for flooding, Florida has more flood insurance policies required by the National Flood Insurance Program (NFIP) than any other state.

  • Only around 15% of homeowners carry flood insurance, leaving a significant gap in protection. With climate change, the frequency and severity of extreme weather events, including floods, are expected to increase. This underscores the importance of being prepared for changing risk landscapes.

  • All FL homes are in a “flood zone” – while some areas are at higher risk, around 20% of flood losses in the state come from low- to moderate-risk areas. Just one inch of water can cause up to $25,000 in damage!

  • Flood risks change due to construction and development growth, environmental impacts, floodplains widening or shifting and other factors over time. Help your clients be prepared for the unpredictability of natural disasters.

PTI FLOOD

  • Our PTI Flood Rater provides access for our appointed agents to receive multiple flood insurance quotes by simply entering the property information once. These quotes include PTI’s NFIP product plus multiple private carriers as capacity and eligibility allow.

  • To begin, simply log in to your My Account Portal, click the Flood option in the top menu bar, and follow the prompts to complete the Subproducer Agreement if you are not already registered. No additional appointments required!

  • Using the rater is easy – quotes are pre-filled with info obtained from public sources based on the property address entered – property features and coverage can be customized as needed – Quotes are generated in about 30 seconds.

  • Select ‘Request Binding’ for the quote you want, answer a few additional questions, and your final premium and eligibility is displayed.

  • You then complete application questions and billing information, submit to us, and we handle the rest of the process so you can go about your day!

  • Click here for more details on the quoting and binding process (link)

WHY USE PTI FLOOD RATER?

Quick

Obtain multiple quotes in less than 30 seconds – Simply enter the property address, confirm details, and select coverage.

Convenient

Access to multiple Flood carriers without additional appointments needed.

Better

Streamline the process of obtaining flood insurance quotes for your clients’ particular needs