Insurance Agent Superhero

Insurance agents are superheroes. You show up when people find themselves in dangerous or frustrating situations, and you help to make everything better. People look to you when the going gets tough, and you've got an abundance of resources to resolve even the trickiest of situations. Your work helps keep America moving forward, and, to assist you in the mission of building a resilient nation, here's a list of key tools you'll need while selling flood insurance.

Write a Flood Insurance Policy

• Writing a policy is the fundamental step. Regardless of whether your clients live in a house, apartment or condo, or if own businesses, the NFIP has information and forms for you to use. When talking about your clients' insurance options, remind them that most homeowners and renters insurance don't cover flood damage. Discussing their flood risk is a great way of leaning into the conversation about flood insurance, protecting their homes and gaining peace of mind.

Identify Prospective New Clients

• Sometimes, finding new clients can be difficult, but the NFIP has you covered there as well. One thing the NFIP encourages is to do an insurance checkup — talk to your existing clients.
  • Do they know that their homeowners or renters insurance doesn't cover flood damage?
  • Do they have a dedicated flood insurance policy?
• If they say no to either question, having a forthright conversation about their risk of flooding can help protect their homes.

Market and Sell Flood Insurance

• Everyone has flood risk; in the past 20 years, 99% of U.S. counties have experienced a flood event. It's one of our most common and most costly natural disasters. We have created a cost of flooding calculator that might help your clients visualize the out-of-pocket bills they'd have without flood insurance.
• Among other strategies, staying informed is a great option. Get involved with any of the NFIP campaigns, and gain access to key resources, social media posts, infographics and more you can use for client outreach.

From training seminars to a library of resources, the NFIP is on insurance agents' sides in the fight to protect Americans against flood losses. You're already a superhero, and with the NFIP in your corner, even the strongest storms won't weaken your resolve in helping people protect their lives against flood loss. Get involved and stay informed, by visiting https://agents.floodsmart.gov.