Submit Change to NFIP Coverage

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

This procedure explains how agents can submit requests to change coverage amounts on an NFIP policy. Coverage changes include increases or decreases to building and contents coverage, as well as deductible changes. Supporting documentation may be required depending on the type of change.

Policy Changes require specific actions to meet federal guidelines

Coverage Change Types

Type	Waiting Period Rules	Required Documentation
Coverage Increase	Standard Waiting Period or Exception	None
Coverage Decrease	None; can be applied to inception	Proof of over-insurance (e.g., property appraisal) or documentation of building damage.
Deductible Increase	None	None
Deductible Decrease	Standard Waiting Period or Exception	Statement from lender rejecting deductible amount

Procedural Steps

1. Access Policy Record

An image showing the "Policy Changes" menu along the right side of the page. — 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 Coverages and Deductibles option

Otherwise, scroll down to the "Coverages, Deductibles and Discounts" section manually.

2. Edit Coverage

A large clock tower and other buildings line a great river. — 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).

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.

An image showing the options in the Policyholder section. — 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 signed request from the insured or legal document showing change to insured name

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

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

3. Choose Effective Date

Choose "None" for the Waiting Period and select the appropriate Policy Change Effective Date.

Scroll to the top of the page to enter the effective date.

Enter the appropriate date (see table below).
Backdating to the inception date is allowed for corrections.
Choose "None" for the Waiting Period.

The Policy Change cannot be completed without choosing an effective date.

Change Type	Effective Date Rule
Update Contact Details	Date of the request
Add Insured Name	Date of the request
Update Insured Name	Date of Request or Event
Correct Insured Name	Inception
Delete Insured Name	Date of Request or Event

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.

Click the Issue button to finish the policy change.

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.

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