Hello Shelli,

Would this change the way you serve your clients? Would this reshape the industry as we know it?

Stay tuned. The future of home insurance is taking shape, and you won’t want to miss what’s next.

Flooding Can Happen Anywhere

Flooding is the #1 natural disaster in the United States, and it’s more common—and costly—than many homeowners realize. While clients may think they’re not at risk because they’re outside of high-risk zones, the reality tells a different story.

Here are real-world examples of unexpected flooding that caused devastation in low-and moderate-risk areas: Here are real-world examples of unexpected flooding that caused devastation in low- and moderate-risk areas:

• Flagstaff, AZ (2021): Flash floods tore through areas far from designated high-risk zones, leaving homeowners with thousands in uninsured damages.
  
  
• Asheville, NC (2024): Heavy rains caused widespread flooding in neighborhoods considered “safe,” resulting in catastrophic financial losses for families without coverage.
  
  
• Tennessee (2020): Flash floods submerged entire communities, including properties that were never classified as high-risk.

These examples aren’t isolated events. In fact, over 20% of flood claims come from properties outside FEMA-designated high-risk flood zones. Even a single inch of water in a home can cause up to $25,000 in damage, leaving uninsured homeowners struggling to recover.

What You Can Do

With Orion180, you can provide competitive flood insurance solutions:

• Embedded Flood Insurance: Quote embedded flood with our surplus HO3 policy—it’s seamlessly integrated into the quoting process.
  
  
• Standalone Flood Insurance: Our flood insurance product is written on surplus paper and is available to homeowners in both standard and surplus markets. 
  
  
• Fair, Data-Driven Pricing: Our property-specific pricing model ensures competitive rates for properties in both low- and high-risk areas, based on risk factors like elevation and proximity to water sources. 

Now through February 28, earn an extra 3% commission on all flood policies bound. With tools like our Flood Marketing Kit and Orion180 University, you have everything you need to start quoting Orion180 Flood Insurance with confidence and clarity.

Please note: For embedded flood policies the extra 3% will only apply to the flood insurance premium. 

If you have any questions, please don’t hesitate to reach out to your territory manager.

• Benefits to You:

   

  • Broader Market: Cover more homes, previously deemed ineligible.
  • Added Value: Provide clients with comprehensive protection.
  • Coverage Details: Limited water damage coverage of $10,000 per policy period for homes with tanked water heaters above the ground floor.

You can find the updated Mississippi underwriting guides in MY180 in the document library within the "Admitted" folder.

At Orion180, we are committed to your success and ensuring a seamless experience for your customers. Rescissions can be challenging, but understanding the top causes can help minimize them.

Here are the top 5 causes of property insurance rescissions: 

1. Non-payments or late payments
2. Poor roof conditions
3. Federal Pacific electrical panel boxes and aluminum wiring
4. Rental exposure
5. Business and/or extensive foot traffic at the residence

For a detailed breakdown of each reason and strategies to prevent rescissions, view the link below. 

Orion180 University: On-Demand Training

Visit Orion180 University for on-demand training modules that cover everything from flood insurance product features to quoting tips.

Learn. Grow. Insure.

With Orion180 University, our mission is to provide a comprehensive online training program that equips you with in-depth insights into Orion180's partnerships, processes, and industry best practices. Through strategic learning modules and interactive sessions, we aim to foster a culture of continuous improvement. Join us on this journey of growth as we shape the future of insurance together.

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