First Flight Insurance Group

Flood

Eligible Risks

• Primary Owner, Secondary, Seasonal or Tenant Occupied Residential
• Residential Condos - Low Rise Only
• Apartment Buildings
• Commercial Risks
• Excess flood available by submission

Ineligible Risks

• Risks that have flooded in the past 5 years
• Risks located partially or completely over water

Features NFIP Company 1 Company 2 Company 3 Company 4
Compliant with state insurance law Unregulated X X X X
Accepted by mortgagees to satisfy mandatory FEMA private placement guidelines NA X X X X
Elevation Certificate NOT required Certain Zones X X X X
Replacement coverage on dwelling Certain Conditions X Certain Conditions X X
Replacement coverage on contents ACV Only X ACV Only X X
Replacement coverage on secondary dwellings ACV Only X ACV Only X X
Dwelling limits up to: $250,000 $400,000 $400,000 $1,000,000 $1,000,000
Additional Living Expense or Buisness Income Expense available No X No X X
No Waiting Period 30 Days X X X X

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