Protects against coverage changes or higher costs due to mid-term changes in flood zone classification

Estimated loss refers to the potential financial impact of being incorrectly classified in a high-risk flood zone, which can lead to higher deductibles and lower sublimits. We've based our estimate on the potential additional costs or underinsured losses due to incorrect flood zone determination.

Standard property insurance policies rely on flood zone determinations made by FEMA maps, which may change during the coverage period. This can result in your property being designated as a “high-risk” property, reducing your coverage and increasing your deductibles.

USI works with carrier partners to ensure the policy limits or deductibles for flood do not change during the coverage period if your flood zone changes mid-term.  This will provide you with more certainty around what limits are available, which deductible will apply, and maximize recovery following a flood claim.

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.