reThought Flood

reThought has it covered.

Flood risk is worsening across America, just as flood insurance is becoming much more difficult to obtain. NFIP coverage is inadequate for all but the most basic protection, and most conventional carriers have excluded flood entirely from property policies, with no buy-back option.

Technology. Transparency. Trust.

Our policies cover any flood, from pluvial and coastal inundation to water-main breakage.

Cover is broad, including basements and their contents, and loss of use.

Uniquely, reThought Flood is able to cover schedules of properties under a single policy.

We work collaboratively with risk managers and their brokers to analyze flood risk in detail, and develop coverage best suited to their needs.

We craft creative solutions, utilizing NFIP coverage backed by an excess layer from reThought’s panel of "A" rated insurers.

The reThought Difference

Our advanced data analytics pinpoints the flood risk facing every building in the US, allowing us to charge rates that match the risk exactly: affordable premiums for properties with moderate risk. Plus it makes our prices stable, because they are risk-based and don’t fluctuate in response to market movements.

reThought Flood delivers gold-standard, “A” rated flood coverage and exceptional service levels to every client. We promise fast quotation turnaround times, a permanently engaged problem-solving approach, and high-end claims service crafted to provide satisfaction. Throughout our constant collaboration with risk managers, we live up to our promise of Technology, Transparency, & Trust.