Flow Flood provides residential and commercial flood insurance through a platform designed for independent agents. Using cutting‑edge technology, agents can generate a flood‑zone quote and complete underwriting data in 90 seconds, then bind policies and issue documents in real time. The system also automates e‑signature collection and sends hard copies to lenders, streamlining the entire quoting, binding, and servicing workflow.
Funding
Funding not disclosed
Founders
Product
Problem
Independent insurance agents often face slow, manual processes when quoting, binding, and servicing flood insurance, leading to delayed responses, excessive follow‑ups, and difficulty managing multiple private flood products.
Solution
Flow Flood offers an agent‑focused digital platform that streamlines the entire flood insurance workflow. Proprietary AI‑driven comparative rating technology pre‑fills underwriting data and returns quotes in about 90 seconds, while displaying NFIP rates for reference. Agents can bind policies instantly on the platform, with real‑time document issuance and automatic e‑signature requests that eliminate manual application chasing. The marketplace aggregates six private residential flood products and a commercial line with limits up to $50 million, allowing agents to select coverage and rates in one place. Integrated billing supports mortgagee billing and direct‑to‑consumer payment, and policy renewals and endorsements are managed through the same interface, keeping agents in control of in‑force policies.
Target Audience
Primary customers are independent insurance agents and brokerages that sell residential and commercial flood insurance and need a fast, integrated solution to quote, bind, and service private flood policies.
Features
- AI‑driven comparative rater that pre‑populates flood zone and underwriting data, delivering quotes in ~90 seconds
- Real‑time policy document generation and instant access for agents and lenders
- Automated e‑signature workflow that sends applications to clients and tracks completion
- Marketplace of six residential private flood products plus commercial coverage up to $50 M, with visible NFIP rate comparison
- Direct‑to‑lender hard copy delivery and optional mortgagee billing for renewals
- Full‑service portal for quoting, binding, endorsing, and renewing policies without leaving the platform