Proctor Financial, Inc.

Excess Flood 

Excess Insurance Over NFIP Limits

Excess Flood provides auxiliary coverage - a maximum of $10,000,000 - on residential and commercial properties beyond NFIP limits. Excess Flood can also provide earthquake coverage on residential and commercial buildings. Excess Flood insurance must be written in conjunction with Bridge60^®.

Coverage

• Buildings
• Contents
• Loss of income including extra expense.

• Basements including contents.
• Properties built on stilts over water.
• Properties in certain high risk flood areas.
• Certain technical equipment such as medical and lasers.
• Perishables
• Properties with negative elevation.

• Residential and Commercial buildings can include earthquake coverage with the same maximum limits and a $25,000 deductible for any one occurrence.
• Must be written in conjunction with the flood.
• Cannot be written in certain high risk areas.

• Limits available up to $20,000,000.
• Excess over NFIP RCBAP program.
• Coverage for buildings that are at least 75% occupied.
• High rise Condominium buildings only.

• Non-residential Condominiums.
• Other non-residential buildings at the same site.
• Timeshare buildings.
• Cooperative buildings.