Submit Change to NFIP Insured

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Equinox Procedure
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Equinox Procedure
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Changes

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Mortgagee : Insured
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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 name on an NFIP policy using the Equinox platform. Insured name changes may include correcting errors, adding or removing a co-insured, or updating the name due to legal changes. Agents must provide accurate information and supporting documentation to process the request.

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. Check Out the Policy

* Log in to the Equinox platform and locate the policy requiring the insured name change.

• Click the **Policy Changes** option in the **Policy Actions** block on the right-hand side of the page.
• Select **Insured Name Change** to open the insured name change request form.

2. Navigate to Policyholder

* Update the insured name details directly in the system, including:

 * Corrections to the name
 * Addition or removal of co-insureds
 * Updates due to legal name changes

• Ensure all changes align with NFIP guidelines and reflect the policyholder’s instructions.

3. Make Changes

* Review the updated details for accuracy and completeness.

• Submit the insured name change request for processing.

4. Review and Submit

* Review the submission confirmation to ensure the request has been processed.

• Notify the policyholder of the successful name change.

Additional Details

• NFIP Guidelines Reference: Guidance on insured name changes, including required documentation and timelines.
• Equinox Quick Guide: Instructions for submitting insured name changes in the platform.
• FAQs for Agents: Common questions about insured name changes (e.g., "What happens if the request is missing required documents?").

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.