Submit Change to NFIP Policy

Policy Guide

Standard Flood Insurance Policy

Applications

Equinox Procedure
Waiting Periods : Occupancy Foundations : Discounts

New Business

Elevation Certificates
Primary Residence
BRCV : Venting : Condos

Renewals

Equinox Procedure
Billing Changes

Changes

Equinox Procedures
Mortgagee : Insured
Transfer of Ownership
Coverage Limits

Cancellations

Equinox Procedure
Request Forms : Signatures
Reasons : Documents

This Equinox Procedure is for Agents. Find a complete list here.

This page serves as a directory for various NFIP Policy Changes agents can request through Equinox. Each change type includes details about the process, effective dates, and required documentation. Agents can reference individual procedures for more specific instructions.

Policy Change Categories

Policy Section	Functions	Auto-issue	Documents	Effective Date	NFIP Category
Primary Insured Contact Details	Edit	Yes	No	Request	Administrative
Renewal Billing Instructions	Edit	Yes	No	Request	Administrative
Mortgagee Clause	Add, Edit, Delete	Yes	No	Request	Policy Interests
Insured Name Correction	Edit	Yes	No	Inception	Administrative
Insured Name Update	Edit	No	Yes	Event	Detail Change

Insured Name Changes
Policy Detail	Effective Date	Auto-Issue?	Documents
Name Corrections	Start of current term	Yes	No
Adding/Removing a Co-Insured	Date of request	No	Link
Updating a Name	Date of legal change	No	Link
Policy Assignment	Date of Closing	No	Link

Administrative Changes
Policy Detail	Effective Date	Auto-Issue?	Documents
Mortgagee Clause	Date of request	Yes	No
Insured Mailing Address	Date of request	Yes	No
Billing Instructions	Start of new policy term	Yes	No

Building Characteristics Changes
Policy Detail	Effective Date	Auto-Issue?	Documents
Elevation Data Update	Start of current term	No	Link
Flood Zone Revision	Based on FEMA map changes	No	Link

Coverage Changes
Policy Detail	Effective Date	Auto-Issue?	Documents
Coverage Increase	30-day waiting period	No	Link
Coverage Decrease	Start of current term	Yes	Link
Deductible Change	Start of new policy term	Yes	Link

General Process

1. Access Policy Record

Use the "Policy Changes" widget along the right side of the page.

Open the Policy Record to start

To quickly navigate to the Mortgagees section:

• Find the Policy Actions block on the right
• Choose Policy Changes
• From the next menu, click the Mortgagees option

Otherwise, scroll down to the Mortgagees section manually.

2. Add / Edit / Delete

Enter the requested changes using the options below.

Add

To add a mortgagee, follow these steps:

1. Click the "Add Mortgagee" button
2. Enter the mortgagee information
   • All starred content (seen below) must be entered for the "Add" button to activate
   • Mortgagee Type will sort the mortgagee clause into the proper position

Once all details are entered, click the "Save" button (move to Step 3 below).

Edit

To update a mortgagee, follow these steps:

1. Click the Pencil icon
2. Adjust the appropriate mortgagee information
   • All starred content (seen below) must be entered for the "Save" button to activate
   • Mortgagee Type will sort the mortgagee clause into the proper position, such as when moving a first mortgagee into the second mortgagee position

Once all details are entered, click the "Save" button (move to Step 3 below).

Delete

To remove a mortgagee, follow these steps:

• Click the Trash Can icon
• If needed, the deletion can be reverted (see below)

Once all details are entered, click the "Save" button (move to Step 3 below).

3. Choose Effective Date

Choose the correct effective date for the mortgagee clause change

Scroll to the top of the page to enter the effective date.

• Backdating is not allowed.
• Enter today's date or a later effective date.
• Choose "None" for the Waiting Period.

The Policy Change cannot be completed without choosing an effective date.

4. Review and Submit

Review the changes for accuracy and completeness before finalizing.

Once the effective date is entered, click the Issue button.

• The "Abort" button will exit without saving any details.

The system will process the change immediately. A Declarations page with the updated information will be available in the Documents section of the Policy Record.

If the lender or insured needs an immediate copy, then one can be downloaded and emailed.

This page may need to be edited based on suggestions or concerns. Read more in the Discussion page.

This page contains details about NFIP Policy Changes. Find more NFIP information in the How To Endorse section of the Flood Insurance Manual.