A complete flood solution, flexible enough to fit your needs
iDemand Flood is private flood insurance for homeowners that goes beyond the typical NFIP policy, allowing you to get back to things you love, knowing your home is protected.
Flexible limits so you never pay too much
Crafted with the homeowner in mind
- Living Expense Coverage - we offer this coverage for expenses like temporary housing while your home is under repair
- iDemand Better - an allowance for upgrading to flood resistent flooring instead of replacing with like-kind.
The National Flood Insurance Program (NFIP) is a government backed flood program intended to provide basic coverage for building and contents with limits that are commonly less than the total value.
iDemand Flood provides comprehensive flood coverage and limits commensurate with what you'd expect from a private homeowner's policy, including $1M building coverage and an additional $1M for the combination of other structures, contents, and additional living expenses.
We get it - the claims process can be stressful following a flood. We strive to make it as fast and easy as possible. In many cases, instead of sending out a traditional home inspector at policy inception, we can resolve claims based on data collected, such as satellite imagery. If flood damage occurs, a few photos sent to our claims team is usually enough to resolve the claim. No insurance adjuster visits. No phone tag.
Until relatively recently, insurers were limited in their ability to access the true flood risk at a given location. Most pricing models were based on NFIP's flood maps generated from manual land surveys and did not distinguish between vastly different risks within the same flood zone.
Advances in technologies like lidar scanning for elevation data and satellite imagery, combine with increasingly more sophisticated learning algorithms, we're able to offer quotes using specific details of your home and property and monitor for changes over the duration of the policy.
What Makes iDemand Flood Different?
iDemand Flood works to match the typical homeowner coverage; not the typical restrictive flood policy. This includes additional structures, basements, additional living expenses, and much more.
Our flood experts analyze data like satellite imagery and weather data to resolve claims, resulting in faster payments and fewer visits.
Optional coverage to put you up in a nearby place while your home is under repair
It's About Coverage
Items often excluded from flood policies are either included in iDemand or can be added for your unique coverage needs.
Backed by the Best
Carriers behind our policies are A-rated by A.M. Best. Rest assured with reputations for integrity and expertise built over decades.
Upgrade your replacement main level flooring and wallboard to be more water resistant.
Replacement cost resulting from a catastrophic flood can be expensive. Optionally add coverage excess of your full value.