Defines what counts as a "flood"; broad definitions can misclassify routine water damage, leading to higher deductibles or exclusions

Estimated loss refers to the projected cost to repair or replace your property if it's damaged or destroyed by a covered event. This estimate helps determine the additional value our coverage enhancement provides. We’ve based our estimate on our historical data on average water damage from non-catastrophe flood events (e.g., sewer backups, sprinkler leaks, etc.)  

Standard flood definition coverage often defines water damage from routine accidents as a “flood”. Flood damages typically have higher deductibles and lower maximum recoveries or “sublimits.” For example, 1st floor water damage from a backed-up sewer could be defined as a “flood event,” reducing your recovery substantially or excluding it completely.    

USI will work with carrier partners to modify the definition of “flood” in your property policy, ensuring most routine water damage caused by sewer back-up is not defined as a flood, nor subject to flood sublimits or flood deductibles.  

Typically, no. Because of USI's expertise in risk management and strong relationships with insurers, we're often able to provide you with highly tailored insurance solutions with increased coverage at no additional cost.

No. These recommendations are a preliminary hypothesis based on what we know about you. Once we're your broker, USI will determine what data we need to perform a comprehensive analysis of your property coverage needs.

Every property is different, and the level of risk depends on factors such as operational hazards, natural catastrophe exposures, and physical protection in place. We analyze the specific risk factors of your property and recommend enhancements based on those findings. Rather than overselling, our goal is to offer coverage that matches your property’s unique exposures, preventing you from having to bear the financial burden of unexpected repairs.

The claims process with these enhancements is straightforward. These coverage enhancements ensure that more of your property is protected, reducing the chance of disputes over what is or isn’t covered. We streamline the process by clarifying coverage upfront and working closely with your carrier to minimize delays or complications in the event of a loss.