Flood insurance, reThought.
Expert flood insurance solutions. reThought Flood® empowers brokers to offer reliable flood coverage with confidence.
Insurance programs
What reThought Flood® covers.
Comprehensive coverage for both residential and commercial properties, with flexible options and higher coverage limits to meet your client’s needs.
Why reThought
Technology. Transparency. Trust.
Our logo represents the core of our approach. We help you guide your clients in understanding their specific flood risk — and flood coverage is a differentiator for your agency, too:
Grow your book of business
Flood coverage is a necessity for all — a clear opportunity to expand your client base.
Retain your book of business
Clients with multiple policies are more likely to stay loyal.
Protect yourself and your business
Minimize E&O risk by offering your clients flood insurance.
01
Technology
The most advanced flood underwriting platform in the business. We assess each building individually in full detail along with the complete policy portfolio — a true picture of your client's risk.
02
Transparency
Clear, risk-based pricing. Lower risk, lower pricing; higher risk, higher pricing — it's that simple. Stable pricing eliminates the need to re-market your client's risk at renewal.
03
Trust
Our “A” rated capacity providers protect your clients with top-tier coverage. Dedicated underwriters work directly with you — assessing risks, explaining pricing, getting coverage right.
The broker experience
Our Extreme Service Promise.
Every reThought Flood® broker has an assigned and dedicated business development manager and a dedicated underwriter. We promise extreme service on:
Collaborative program structuring
We structure each program with you, shaped to the account's actual risk.
Quotation turnaround time
Fast, competitive quotes — often in as little as an hour.
Overall responsiveness
A dedicated underwriter and BDM who pick up and follow through.
Help winning accounts
Positioning and pricing support that helps you close the deal.
Answers for insureds
Clear explanations of risk and pricing your clients can understand.
Claims assistance
Hands-on help from first notice of loss through resolution.
We're the flood experts
Hear what our appointed brokers have to say.
You are market leading experts in your field and we enjoy working with you.
NH
Neil Hitchcok
Bermuda Brokers
“Very quick service and great communication with the underwriting team.”
CL
Christine Lis
Gulf Shore Insurance
“Response time, competitive quotes, easy underwriters to work with.”
AC
Alexandria Curcio
USG Insurance Services
“Quotes were very competitive and the underwriter response time compared to the rest of flood markets.”
TP
Trey P.
“Really helpful underwriters — look forward to binding more with them.”
ER
Eric Reardon
Amwins
~1 hr
from request to quote
“I received a quote in an hour!”
NB
Natalie Broadway
Together, we can close the flood protection gap.
As an InsurTech MGA, reThought does flood insurance differently. We've deployed our enormous risk modeling expertise to develop a unique, technology-based approach to underwriting flood insurance.