Create NFIP Application

This page is a rough draft and will need more work before it's finalized.

This page contains details about the NFIP Application and is written for insurance agents. Find more in the How To Write section of the NFIP Flood Insurance Manual.

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

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

Overview

An agent must complete several steps to produce an NFIP application or get a quote. Equinox follows the workflow shown below. Quotes are available at the "NFIP Rates" step shown in green.

Request New Quote

To quote a property with the NFIP, start in the Agency Workspace and select the "Request New Quote" button near the top of the page.

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Property Address

Enter the property address. A verified address should show from the first dropdown window.
Choose "NFIP Flood" from the second drop down window.

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For property address issues, consult Application Reference.

Step 1: Basic Information

After assigning the property address, the policy effective date and insured details must be entered.

Effective Date

NFIP quotes are made in real time and rates are subject to change. All quotes must follow the NFIP waiting period rules assigned to new policies. For more information about each waiting period rule and how to calculate the application effective date, refer to the Effective Date Calculator.

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Insured Details

The policyholder should be identified as an individual or a legal entity, such as a trust. An additional co-insured can be added by clicking the slider option below the Insured Email Address.

Step 2: Third Party Data

The Third Party Data step pre-populates essential property details from public records. Agents should review all data for accuracy and manually input any missing information.

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Review Pre-Populated Data:

• Ensure accuracy for all fields. For a detailed explanation of each field, see the Application Reference.

Enter Missing Information:

• Manually complete any fields not pre-populated.

Edit Incorrect Data:

• Update fields if inaccuracies are found and note discrepancies for follow-up.

Step 3: Property Information

The Property Information step collects essential details about the property's use and occupancy. Agents must manually enter all required fields, ensuring accuracy and completeness.

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For a detailed explanation of each field, refer to Application Reference.

Step 4: Building Type

The Building Type step allows agents to select the building's occupancy type and description. This step uses a button-based interface to simplify the process.

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For a detailed explanation of each occupancy type and building description, refer to the Application Reference.

Step 5: Foundation Type

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Step 6: Elevation Certificate Information

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Step 7: Qualifying Questions

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Step 8: Coverage, Deductibles & Discounts

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Step 9: Rates

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