Create NFIP Application

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.

Summary of Procedure

An agent must complete several steps to produce an NFIP application or obtain a quote. Equinox ensures that all required information is collected and validated before the application is submitted. This process is designed to reduce errors and enhance efficiency by guiding the agent through a series of steps that ensure compliance with NFIP guidelines.

The workflow shown above begins by entering basic property details and continues through collecting additional information about the building, coverage options, and flood zone determinations. At the "NFIP Rates" step, highlighted in green, agents can generate a preliminary quote based on the details provided. This allows the agent to review potential costs before signing the application and collecting premium.

Information Icons

Equinox has small information icons placed next to important sections or fields. When a user hovers over an icon, a small window provides extra details about that section. The messages from these icons can be found in the NFIP Application Reference relative to each page of the application process.

Request New Quote

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

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.

For property address issues, consult the Property Address section of the NFIP Application Reference.

Step 1: Basic Information

After assigning the property address, the policy effective date and insured details must be entered.
From this point forward, the right side of the page will show a page completion list with the quote/application progress.

For questions this page, refer to the Basic Information section of the NFIP Application Reference.

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 or inaccurate information.

For a detailed explanation of each field, see the Third Party Data section of the NFIP Application Reference.

Step 3: Property Information

The Property Information step collects essential details about the property's residential use and the policy's interests.

For more details about residency and insurable interest, refer to Property Information section of the NFIP 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.

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

Step 5: Foundation Type

The Foundation Type step uses a series of radio buttons to help agents select the correct foundation type for the building. Clicking on a radio button displays images of foundation types, which can be clicked to finalize the selection.
Agents must also answer a single question about the number of elevators in the building.

For more details about foundation types and related considerations, refer to the NFIP Application Reference.

Step 6: Elevation Certificate Information

The Elevation Certificate Information step requires agents to manually enter key details from an Elevation Certificate (EC).

For further guidance on using elevation certificates, refer to the relevant subpage in the NFIP Application Reference.

Step 7: Qualifying Questions

The Qualifying Questions step assesses the building's eligibility for coverage with the National Flood Insurance Program (NFIP). Agents must confirm that the property meets specific structural and locational criteria, such as the building's structural makeup and location relative to bodies of water.

For detailed information on NFIP building eligibility requirements, refer to the NFIP Application Reference.

Step 8: Coverage, Deductibles & Discounts

The Coverage, Deductibles & Discounts step allows agents to select policy coverage amounts, choose deductible options, and confirm discount eligibility for the applicant.

For additional guidance on coverage and discount eligibility, refer to the relevant subpage in the NFIP Application Reference.

Step 9: Rates

The Rates step provides a summary of the total annual premium, itemized by coverage type and discounts, and collects final details needed to complete the application.

Once all steps are finished, the NFIP Application is complete.
The next step to issue the policy would be to submit premium payment.

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

This page contains information about the NFIP. Find more NFIP Resources.