Submit Change to NFIP Insured

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 procedure explains how agents can request a change to the insured details on an NFIP policy. These changes can include contact details, adding co-insureds or additional insureds, or making changes to the names.

Types of Insured Name Changes

Type	Description	Required Documentation	Effective Date Rule
Name Correction	The insurable interest does not change, but the policyholder’s name is incorrect.	Signed policyholder request for correction.	Effective from the inception date of the current term.
Adding a Name	An additional policyholder is being added to the policy.	Existing policyholder’s signed authorization for addition.	Effective from the date of request.
Removing a Name	An existing name is being removed, which may affect insurable interest.	The signature of the policyholder that is being removed is required. In the case of a death or divorce, a death certificate or the divorce decree may be used in lieu of the signature.	Effective from the date of request.
Policy Assignment	Transferring insurable interest to a new policyholder and removing the current one.	The change form/endorsemnt must be signed by the seller on or before the closing date. If the prior owner used the property as their primary residence, the new owner must provide primary residence documentation.	Effective from the date of transfer.
Updating a Name	The policyholder’s name is updated due to legal reasons (e.g., marriage, divorce).	A copy of the marriage certificate, divorce decree or other document substanciating the change of the insured name is required.	Effective from the date of legal change.

Procedural Steps

1. Access Policy Record

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

Open the Policy Record to start

To quickly navigate to the Policyholder section:

• Find the Policy Actions block on the right
• Choose Policy Changes
• From the next menu, click the Policyholder or Co-insured option

Otherwise, scroll down to the Policyholder section manually.

2. Add, Edit, Delete

To transfer the policy to a new building owner, refer to Submit Policy Assignment

Add Insured

After selecting the Add Insured button, choose either a co-insured or an additional insured.

When adding a new insured (co-insured or additional insured), click the "Add Insured" button in the upper right of the Policyholder section.

• Select "Individual", "Business", or "Legal Trust"
• Enter the contact details in the fields below.
• All starred fields are required.

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

Edit Insured

Use the Edit button (pencil icon) in the upper right of the Policyholder section.

This will open the Insured fields for editing.
Each insured (policyholder, co-insured, or additional insured) will have their own section for editing.

Make the appropriate entries to the policyholder details as needed.

Update Contact Details

Changes to email address, phone number, and mailing address.

If the mailing address is used to verify Primary Residence, then it cannot be changed until a document has been submitted in its place.

Update Insured Name
The policyholder’s name has been updated due to legal reasons (e.g., marriage, divorce).

Required Documentation: A copy of the marriage certificate, divorce decree or other document substantiating the change of the insured name

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Correct Insured Name
The insurable interest does not change, but the policyholder’s name is incorrect.

Required Documentation: The agent must state that the name was incorrect on the application and there is no change to insurable interest

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

Delete Insured

3. Choose Effective Date

Choose the correct effective date for the policy 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 a Renewal Notice exists and the policy has not expired, then a new Renewal Notice will be sent to the updated payor.
  

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

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