How to submit business with reThought Flood®.
Submitting business is easy. Simply send your submission to our team at flood@rethoughtflood.com, and our expert underwriters will assess the details and determine the appropriate program to ensure your client receives the best solution.
A submission must include:
A SOV with COPE info in Excel format (bifurcated)
Target premium and expiring premium
Terms requested
Loss history (previous 5 years)
Need-by date and effective date
Depending on the risk
Additional information that may be needed:
Photos
Basement and sub-grade areas
Site map for schedules
Elevation certificate
Description of tower including participants, the lead/primary quote with limits, deductibles, and full flood definition (if sitting excess)
From inbox to quote.
A human reviews every submission
Our dispatcher, Katy (a human, not a bot!), reviews each submission as it arrives.
Routed to the right underwriter
Smaller risks — typically accounts with TIVs under $300M — are assigned to your company’s dedicated underwriter. Others are passed to our Specialty team. Everyone collaborates, so you never need to wonder who’s the “right person”.
Fast, competitive quotes
24–72 hour turnaround on most commercial accounts — often in as little as an hour.
Grab the SOV template and submission checklist.
The Resource Hub has our SOV, the Perfect Flood Insurance Submission guide, and program one-pagers.