You are here:HomeIssuesFlood Insurance2012A Message from PIA’s Flood Partner, The Hartford

A Message from PIA’s Flood Partner, The Hartford

Flooding is the United States #1 natural hazard. We want consumers to know that while homeowner's insurance won't cover them against flooding, they can protect their home and property by purchasing a flood insurance policy separately through their local insurance agent
December 3, 2012

Flooding is the United States #1 natural hazard.1 We want consumers to know that while homeowner's insurance won't cover them against flooding, they can protect their home and property by purchasing a flood insurance policy separately through you, their local insurance agent.

Addressing Flood Misconceptions

Many people are under the misconception that they are ineligible for flood insurance because of where they live, or their mortgage status. But the truth is, as long as your hometown is in a National Flood Insurance Program (NFIP) community, most homeowners, business owners and renters can get flood insurance. We urge consumers to remember the flood insurance basics:

  • You CAN get flood insurance nationwide.
  • You CAN get flood insurance if you live in a floodplain or high-flood-risk area.
  • You CAN get flood insurance if you live outside a floodplain, or a low-to-moderate flood-risk area, - and at lower cost.
  • You CAN get flood insurance if your property has been flooded before.
  • You CAN get flood insurance from insurance agents in your area.
  • You CAN buy flood insurance even if your mortgage broker doesn't require it.

Peace of Mind for Your Clients

Even minor flooding can cause your clients financial and emotional hardship — from damaged inventory and equipment at a business to personal items in their homes. You can help them safeguard their assets with flood insurance from The Hartford.

  • You can help them to close a significant coverage gap
  • Policies are available for as little as $129/year.2
  • The Hartford has two decades of experience writing flood policies
  • Quick coverage – policies issued within 30 days of acceptance.3


We Make Selling Flood Easy for You

  • Dedicated local sales director for your territory
  • Training and continuing education credits
  • Easy enrollment process
  • Dedicated book transfer/rollover team – we do the work for you
  • Free certified zone determinations
  • Hassle-free claim service – 24/7 claims reporting

Armed with the proper information about their flood risk and protection options, you can help your clients make more informed decisions to protect their financial investments.

The PIA/Hartford Flood Insurance Program

Since 2004, PIA and The Hartford have joined together to provide PIA member agents the opportunity to offer their customers flood insurance through The Hartford, a premier WYO company. The program is available to PIA members and their policyholders in all 50 states, the District of Columbia and Puerto Rico.

The Hartford is dedicated to providing agents with extraordinary customer service and value. The Hartford Flood program offers an easy enrollment process and extremely competitive commissions. Through their national flood insurance service center, The Hartford offers the most advanced Internet services available. They have two plan offerings for PIA members: The Hartford’s Standard program and the Flood Solutions program.

  • The Standard program includes a web-based application process with the agency doing the customer service administration with Internet and live customer service support.
  • The Flood Solutions program includes a streamlined application process with The Hartford’s Flood Insurance Processing Center doing most of the work. Flood Solutions simplifies the writing of flood insurance for the agency.


For more information about the PIA/Hartford flood insurance program, please visit the PIA/Hartford Flood web page or contact Joseph M. Surowiecki, Jr. of The Hartford at 860-547-5006 or joseph.surowiecki@thehartford.com.

1 Source: floodsmart.gov

2 Source: Floodsmart.gov. Flood Facts. Preferred Risk Policies. Available: http://www.floodsmart.gov/floodsmart/pages/flood_facts.jsp. July 26, 2012.

3 There is generally a 30-day waiting period from the time an insurance policy is purchased to when it actually goes into effect.

All policies are written subject to the National Flood Insurance Program.

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