reThought Flood® Specialty.
Comprehensive specialty flood insurance solutions for hard-to-place risks. At reThought Flood®, no flood risk is turned away — we provide flexible, tailored solutions for non-standard exposures.
We like to say yes.
Most markets say “no” to complex flood risks. That’s a big problem, and it’s hardest to solve for the biggest clients. Our specialty flood insurance program delivers the ultimate flexibility for non-standard flood risks, crafting unique products that fit your insured’s needs.
Responsive quote turnaround on most accounts and stable pricing
Flood zone agnostic with risk analysis on a case-by-case basis
Single policy for any sized schedule
Expand your client base and mitigate risks more effectively
Builder's risk
Flood protection for construction projects that most contractors’ all-risk policies exclude.
Drop-down excess layers & quota share
Multiple avenues of capacity through reinsurer partnerships to layer large programs of flood capacity.
Multi-property schedules
A single policy for any sized schedule — simplified coverage for clients with many properties.
Deductible buy down
Close the gap between a large program deductible and what your client can comfortably retain.
Risks other markets won't quote.
Unsure if your client's risk is a fit?
The Specialty team has an appetite for a very broad range of occupancies. Email us for a quick look or give us a call to review.
Gold-standard coverage from “A” rated carriers.
Limits as needed for primary, excess, & quota share.
No maximum TIV for primary, excess, & quota share.
Coverage for building, contents, & business interruption.
Superior protection, tailored for your clients.
Business interruption
Coverage for loss of use and access keeps your client’s business afloat when floods disrupt operations.
Basement coverage
Basements are highly vulnerable to floods — our program ensures comprehensive protection against major financial loss.
Builder's risk
Unlike most contractors’ all-risk insurance policies, reThought Flood® will protect your client’s construction projects from floods.
Customizable coverage
We tailor coverage to each property’s unique risk, ensuring the right protection without a one-size-fits-all approach.
Replacement cost value
Replacement cost value ensures your client receives enough coverage to fully rebuild or replace damaged property.
Stable, risk-based pricing
We accurately assess risk and price premiums accordingly, ensuring no surprise hikes after the first coverage year.
It's tough to meet deadlines when your jobsite is under water.
Every year, floods cause thousands of days of delay to construction projects across the USA, and flood damage ruins billions of dollars worth of materials and equipment. Yet most Contractors’ All Risk Insurance policies exclude flood losses — and the rest usually carry low sub-limits and business interruption exclusions. That’s where reThought Flood® comes in.
Capacity for highly engineered structures
Primary and excess, including quota shares
Minimum primary attachment is maximum NFIP ($500,000) or equivalent
Coverage can include excavations and basements
Delay / business interruption
Debris removal & clean-up
Real underwriters, direct answers.
For complex or specific questions requiring in-depth guidance, reach out to our specialty team.
Submitting business with reThought Flood® is easy.
Send your submission to flood@rethoughtflood.com and our expert underwriters will determine the appropriate program for your client.