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 Changes List

The table below lists the most common NFIP Policy Changes submitted by agents.

The links in the Policy Section column will show more details about each Policy Change lower on the page.

The links in the Functions column will go to specific procedural instruction pages.

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	Policy Change
Additional Insured	Add, Edit, Delete	Yes	Yes	Event or Request	Policy Interests
Co-insured	Add, Edit, Delete	Yes	Yes	Event or Request	Policy Interests
Policy Assignment	Edit	No	Yes	Event	Policy Interests
Coverage Increase	Add, Edit	No	No	Calculated	Coverage Increases
Deductible Decrease	Edit, Delete	No	Yes	Calculated	Coverage Increases
Coverage Decrease	Edit, Delete	No	Yes	Event or Inception**	Coverage Decreases
Deductible Increases	Add, Edit	No	No	Event or Request	Coverage Decreases
Elevation Certificate	Add, Edit, Delete	No	Yes	Event or Inception	Rating Change***
#Structural Variables	Edit	No	Yes	Event or Inception	Policy Change

NFIP Policy Change Details

Structural Variables

The building's Structural Variables are found in the Risk Characteristics section of the Policy Record.

They can only be edited, not Added or Deleted. Policy Changes to Structural Variables require Underwriting review.

When a structural variable changes, documentation that proves the change is required. The effective date for changes is always the date the change occurred.

When a structural variable needs to be corrected, an agent statement that it was incorrect on the original application is required. The effective date for corrections is always the policy inception date.

Structural Variable	FIM	Details
Primary Residence
Occupancy*
Building Description
Detached Structures
Building Over Water
Foundation Type
Number of Floors
Number of Units
Floor of Unit
Foundation Description
Number of Elevators

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