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NCIP Flood Insurance - What Is It?

NCIP flood insurance is a policy designed to protect homeowners and commercial businesses from losses caused by flooding. NCIP, which stands for Natural Catastrophe Insurance Program, was created in 1985 in Salt Lake City, Utah, to help property owners protect themselves from costly damages caused by floods.

For a long time, Americans had just one choice when it came to flood insurance: the government’s national flood insurance program known as the National Flood Insurance Program (NFIP).  Now you can get access to private flood insurance companies broader coverage at lower prices from companies like the Natural Catastrophe Insurance Program (NCIP). If you live in a high-risk area for flooding, it is essential to have a policy like NCIP flood insurance. This blog post will discuss the basics of NCIP flood insurance policies and what you need to know before purchasing one.

The Natural Catastrophe Insurance Program (NCIP) is typically a web-based Property Insurance facility. The NCIP flood facility's ownership belongs to Poulton Associates, who heads operations. It has been leading in Risk and Insurance Management since 1989. Headquartered in Salt Lake City, Utah, Poulton Associates provides Property and Casualty risk placement services in all 50 US States and various jurisdictions worldwide.


NCIP Flood Insurance Policy Payout Methods

There are two policy limit pay out methods: actual cash value (ACV) and replacement cost value (RCV). ACV is the current market value of your property, minus depreciation. RCV is the amount it would cost to replace your property with a similar kind and quality, without depreciation deduction. Premiums for the NCIP flood policy are based on the amount of coverage you purchase, deductible, the location of the property, and the type of construction of your home or business.


Features Of NCIP Flood Insurance

  • Covers damages caused by flooding up to the policy limit
  • Can help protect your home or commercial business from costly flood damage
  • NCIP policies have a 15-day waiting period before they go into effect, so it's vital to purchase a policy well in advance of a flood
  • NCIP allows an increase in content limit on a per-occurrence basis
  • NCIP has a broad definition of floods. Thus, it has no limitation on the depth of water or how long it must be on the ground to qualify as a flood or the value of land and properties to be eligible for the policies.
  • You may need to purchase additional coverage if you live in a high-risk area for flooding.
  • If you live in a high-risk area for flooding, you may be required to have NCIP flood insurance by your mortgage lender.


Making NCIP Flood Claims for Severe Events

If your properties have been severely affected by a widespread catastrophic flooding event, there might be a delay in adjusting your claim. However, when it comes to claiming payment, only your adjuster is allowed to start making payments in place of your insurer.



NCIP flood insurance can help protect your home or business from costly damages if you live in an area susceptible to flooding. Keep the above information in mind when considering purchasing an NCIP flood policy.


When you decide to buy an NCIP flood insurance policy, shop around and compare rates from different insurers. You can also contact your local FEMA office for more information about the NCIP Flood Insurance Program. In case of any claim on your insurance policy, always contact your insurance provider.

If you would like to compare flood insurance quotes with FEMA and other top rated private flood insurance companies, click the button below and get your quotes fast!  You could save thousands on your flood insurance!

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