Send your client the quote link
Share FloodQuotePro.com and your client can start on their own. Ask them to mention your name when they contact us, or ask us for a link with your name on it so we can see which referrals you’ve sent.
For realtors, lenders & insurance agents
Client needs flood insurance? Send the link or send the file.
Don’t let flood insurance be the thing that holds up a closing. Give your buyer one link, or send us the property, the lender’s flood requirement, and the closing date. We’ll work the requirement with them so flood insurance isn’t what holds up the file.
Two ways to refer
Pick the one that’s easier for you.
Refer a client
With your client’s permission, email the property address, closing date, your contact details, and a summary of the lender requirement. Avoid sending sensitive documents by ordinary email.
Who this is for
Which situation sounds like your client?
You’re a realtor
Your buyer just found out the home needs flood insurance, or wants a price before they commit. Send the link early so the lender’s requirement gets read while there is still time.
You’re a loan officer or processor
Your borrower needs coverage and the documentation for the file. Send the requirement and the closing date, and we’ll tell you what has to be in place.
You’re an insurance agent
You have an account that needs flood and you don’t want to make it a specialty. Refer the property and we’ll handle the flood side.
The process
How a referral works
You send the basics
The property address, the closing date, and the lender’s flood insurance request.
We read the requirement
We look at the amount the lender wants and which policy types it accepts.
Your client gets a quote
They start online or with an agent, and we help them compare what comes back.
Confirm before closing
The policy, the lender’s acceptance, and the effective date all get confirmed.
Referral checklist
What should I send?
- Property address and type of property.
- Closing date or requested coverage start date.
- The lender’s requested coverage amount and any specific conditions.
- Your name and contact information.
- Client contact information, only with their permission.
Deadline coming up?
Call if a deadline is approaching. Sending a referral doesn’t confirm coverage or guarantee a closing date.
Closing timelines
What keeps flood insurance from slowing a closing
Start when the requirement appears
Lenders check whether a property is in a special flood hazard area. When a requirement comes back, send it over right away. The earlier it’s read, the more options there are.
Know what the lender will accept
Lenders must accept private policies that meet the federal definition, and one with the compliance statement can be accepted without further review. Anything else is the lender’s call.
Get the effective date in writing
NFIP coverage generally has a 30-day wait, but none for coverage tied to a mortgage transaction. Private waiting periods vary. Put the date in the file.
If the NFIP’s authorization lapses
The NFIP can’t issue new policies or renewals until Congress reauthorizes it. Policies in force stay in effect through their term, private flood insurance isn’t affected, and lenders may treat closings differently during a lapse. A seller’s NFIP policy may be assignable to a buyer. Read the full explanation.
Your address. Your options. Start now.
Enter your address, or call with your lender’s letter in hand. Flood coverage often has a waiting period, so the sooner you look, the better.