Flood · For owners

Flood application.

A standard property policy excludes flood, so flood is insured on a policy of its own. This application asks what a flood underwriter needs for each building: its flood zone and elevation, how it is built and what sits on the lowest floor, the amounts you want, any past floods and what your lender requires. Answer what you can and send it from the review sheet. Our brokerage takes it to market and comes back with quotes, or with questions.

Plan on 10 to 15 minutes for one building with no past floods. Your answers are kept in this browser tab only, with no account. Closing the tab clears them, so gather your documents first (the checklist lists them).

Insurers need this to quote. You can send with blanks; we’ll ask for the rest.

What to have on hand: flood zones, elevation certificates and your lender’s requirements (6 things)

Your lender’s flood paperwork and any elevation certificate answer most of it. The form lists ten buildings. With more, send the full list to insurance@lightrfp.com (a spreadsheet is fine). Answer counts assume one building, no flood cover today and no past floods.

Each building’s flood zoneOn your lender’s flood determination or the federal flood map. Not sure is a fine answer.
Elevation certificatesA surveyor’s record of how high each building sits against expected flood levels, if you have one.
How each building sitsIts foundation, the number of floors, what is on the lowest floor and what equipment sits below it.
The amounts you wantWhat each building would cost to rebuild, and the value of the contents you want covered.
Your current flood policy, if anyThe declarations page, and the dates of any past floods.
Your lender’s requirementsWhether the loan requires flood cover, and in what amount.

Start from your documents

Pre-fill this application from your documents

Drop elevation certificates, your current flood policy or your lender’s requirements. We fill in answers you’ve left blank, and you check each one before you send.

Drag files here, or

PDF, photo (JPG, PNG, HEIC), Excel .xlsx, Word .docx, text or CSV. Up to 4 MB a file (larger photos are shrunk to fit), 12 files in all.

Good documents for this application

Elevation certificates
Your current flood policy
Your lender’s requirements

Files are read to fill in answers and are not kept. An AI provider reads them under terms that don’t let it train on them.

Application: Flood, for owners and managers
Sheets: 03
One building, no past floods: about 34 answers, 32 required
Two buildings, a lender and a past flood: about 60 answers, 55 required
Status: Your answers go to Light RFP when you press Send. Files you drop in are read to fill in answers, and not kept.
Prepared by: Light RFP Risk Management Services LLC NY DFS License # PC-1978982

Files you drop in fill in answers you’ve left blank.

FL-01

Owner

Who owns the buildings, who is applying, and how to reach you.

0/11required answered

Who is applying

Which describes you best?

The owner

Legal name of the owner, as it should read on the policy

The company that holds title. If several do, name the main one and list the rest in your note on the review sheet.

Business structure

Your contact details

First name

Last name

Phone

The owner’s mailing address

Street address

If the owner’s mail goes to the management office, use that address.

City

State

ZIP code

After you send

What happens after you send.

We read it
A Light RFP broker reads every building, starting with its flood zone and elevation, and asks about anything blank or flagged.
We take it to market
Our brokerage takes it to the insurers whose appetite fits your buildings.
You compare and choose
Building and contents amounts, deductibles and what each policy leaves out, side by side, matched to what your lender requires. A new federal flood policy usually starts 30 days after it is bought, with a loan closing the main exception, so send this early if a date is coming.

Send us your elevation certificates and we’ll fill this in with you.

Rather go through it on a call? Schedule a call, or write to Light RFP’s insurance team: insurance@lightrfp.com