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Flood Insurance

In, Above and Outside of the NFIP!

Your association provides access to several flood insurance programs. 

Together, Big "I" Flood and Selective's relationship helps deliver members an unparalleled flood program. Together, we offer agents several layers of support to meet any and all flood insurance needs.
As a Big “I” member, writing your flood book of business through Selective gives you access to: 
  • Experienced, dedicated underwriting teams with years of experience, who are well-versed in the legislative changes tied to the Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
  •, an agency portal offering real-time processing along with report capabilities to help manage your book of business effectively and efficiently  
  • A dynamic Online Marketing Portal​ offering complimentary and tailored solutions ranging from co-brandable flyers, brochures and postcards to custom eMarketing campaigns, pre-recorded radio spots, commercials and billboard designs 
  • Skilled Territory Managers​ who travel the country facilitating Continuing Education (CE) classes, providing the knowledge and expertise needed to effectively speak flood.​​
  • QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites. In just a few simple steps, the QuoteitNow video walks customers through a flood application up to binding and directs them to contact the agency to finalize the process.​​ Click here to access the easy to use quoting platform​.
Contact Big "I" Flood for more details
800.221.7917 (Toll-free)

Quick Links

QuoteItNow (quoting platform)

How to Quote video

**This product can only be quoted and written through a Big “I” member. Click here to find an agent in your area.**

hcit.jpgPartnered with Homeowner's Catastrophe Insurance Trust, and offered through Trustco Inc., this program offers you the ability to sell the top home based Difference in Conditions insurance on the market. The program permits subscribing members to obtain affordable property protection against the losses associated with disasters such as earthquake, landslide and flood, which are not usually covered on homeowners’ policies.
HCIT has over forty years of experience underwriting earthquake landslide and flood business, and has the knowledge and professionalism to best serve you and your clients. HCIT coverage is placed through Lloyd’s, London, rated A (Excellent) by AM Best.

How to Apply

1. Complete the Application** (Policies may only be submitted by an insurance agent.)

If insured's mortgagee requires a 1% deductible, please use the following application & addendum:
Application - Mortgagee Required 1% Deductible

**Please download and open  the application in Adobe . If opened in a web page, any information you enter will not be saved. 

2. Submit completed application (and addendum) to:

Heidi Wiles 


The HCIT program offers blanket limit coverage for the dwelling, contents and other structures. 
No inspection of the premises is required. 
The program offers a limit of up to 1 million with a 5% deductible. 
Higher limits available upon request
10 day waiting period; can be waived to 5 for mortgage closing
NFIP equivalent to lending institutions even though we know coverage to be better
HCIT was established in 1975


Agent Q&A Brochure
Insured Q&A Brochure