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
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.
Our detail model of your home also memorializes your belongings to assist you in replacing everything to like-kind and qualty.
- iDemand Cash - whenever 1" of water occurs on the first floor, we send you $10,000 right away.
- 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.
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.
Option to get 3D model of your home to expedite claims, in most cases replacing an onsite inspection if you have a claim.
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 iDemand 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.