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Potential for Spring Flooding Highlights Need for Flood Insurance

With the amount of snow that fell in many parts of the United States this winter, it is no surprise that there is a heightened potential for spring flooding this year...
April 9, 2014

With the amount of snow that fell in many parts of the United States this winter, it is no surprise that there is a heightened potential for spring flooding this year.

Business Insurance noted a recent National Weather Service (NWS) report that said, “An unusually cold and wet winter across the Upper Mississippi Basin, Great Lakes region, Ohio River Valley, Northern Middle Atlantic, New York and New England has produced an above-normal amount of water in the current snowpack and a deep layer of frozen ground much further south than typical.”

The report went on to warn that because of the frozen ground in those areas, “the flood risk is highly dependent on the amount of future rainfall and the rate of snowmelt this spring.”

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Need a New Flood Insurance Carrier? PIA Suggests The Hartford

If this spring finds your agency in need of a new flood insurance program, please consider PIA’s program with The Hartford, now in its tenth year. The program is available to PIA members and their policyholders in all 50 states, the District of Columbia and Puerto Rico. Commission rates are extremely competitive.

With The Hartford you can be sure to get the best in service with:

  • Dedicated and knowledgeable book transfer team — they can do the work for you!
  • Dedicated, local sales director for your territory — to help you grow your flood business
  • Training and continuing education credits — to help you understand the coverage
  • User friendly online access to processing systems — quoting, submissions and endorsement requests plus free zone determinations
  • Online chat for service questions and interactive, real-time input assistance
  • Hassle-free claim service — 24/7 Claims Reporting
  • Easy enrollment process


So why should you move your flood book to The Hartford? The Hartford does the work for you:

  • A dedicated book roll consultant will work with your agency to determine the most efficient way to move your flood book to Hartford
  • Hartford will collect required documentation needed in one effort, for the entire book; i.e. the entire year of renewals
  • Hartford will bill existing clients 90 days prior to expiration date
  • Hartford will customize a renewal letter on your agency letterhead
  • Hartford bill is sent along with agency specific renewal letter to payor on dec page instructing your clients that you as the agent are moving their federally backed flood policy to Hartford and to pay enclosed bill
  • Once your client pays Hartford bill, policy is issued on Hartford paper


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

Extreme Winter Weather Increases Risk of Spring Flooding (Business Insurance)