Assurant Flood
Assurant Flood Solutions, rated "A" (Excellent) by A.M. Best, is a trusted provider of private flood insurance in addition to being among the largest WYO companies for the National Flood Insurance Program,
Learn MoreAs independent agents, we know that life’s most serious risks often arrive without warning. And with a 60% chance of an above-average hurricane season in 2025—bringing up to 19 named storms and five major hurricanes—flooding remains one of the most under-discussed yet devastating threats facing homeowners and businesses.
But as Assurant’s latest Flood Forecast shows, this threat isn’t just a coastal concern but a national reality. It’s time for agents to step up, dispel flood insurance myths, and ensure clients are truly protected.
Myth #1: “I’m Not in a Flood Zone, So I’m Safe.”
Wrong. Flood zones are regulatory tools, not force fields. They help guide development and risk assessment, but floods can (and do) happen anywhere.
Assurant reports that flooding is 27 times more likely to damage a home than fire during a 30-year mortgage. And yet, too many property owners skip flood insurance simply because they aren’t “required” to carry it.
Agent takeaway: Every conversation should include flood risk—regardless of zone.
Myth #2: “My Homeowners Policy Covers Floods.”
Also false. Standard homeowners and commercial property policies do not cover flood damage. And yet confusion remains widespread, especially as climate change drives more extreme weather and unexpected flooding inland.
Agent takeaway: Be proactive. Clients often won’t know their exposure until it’s too late.
Educate. Equip. Empower.
To help combat these misunderstandings, Assurant has developed tools that make flood conversations easier and more effective:
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Flood Agent Playbook: Resources for marketing, claims, client education, and more.
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Client Brochures: Easy-to-share fact sheets and FAQs.
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Claims & Damage Guides: Help clients understand what to expect before and after a flood.
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Real-Time Flood Forecasting Tools: Powered by Google, this tool tracks global flood conditions.
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NFIP Consumer Research Report: Reveals how people think about flood insurance, and where they’re getting it wrong.
Rollovers Made Easy
Worried about transitioning your book of business to Assurant? Assurant has streamlined rollovers so that you supply the client list and dec pages, and they handle the rest—with a dedicated support team that works in bite-sized, manageable steps.
Agent takeaway: Switching doesn’t mean sacrificing productivity. It could actually save you time.
New Tool: Private Quote Comparison
Assurant recently launched a Quote Comparison Tool within FloodPort. Agents can present up to three private residential flood insurance quotes side-by-side with the NFIP quote, helping clients better understand their options and giving you a competitive edge.
E&O Reminder: Flood Is an Exposure You Can’t Ignore
Agents take note: Not offering flood insurance, or failing to offer enough coverage, are two of the most common E&O pitfalls. The best protection? Make flood part of your standard renewal review process, and document every conversation.
Now Is the Time
The 2025 hurricane season is well underway. This isn’t just a sales opportunity, it’s a responsibility. Independent agents are trusted advisors. And the truth is, the time to talk about flood isn’t after the storm. It’s now.
