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Wright expands its ResiFlood program into Illinois

First-of-its-kind, residential private flood coverage available beginning April 4

Wright National Flood Insurance Services has announced its entrance into Illinois by introducing an admitted, stand-alone private flood insurance product as the next state in the continued expansion of the company’s ResiFlood program. In partnership with the Illinois Department of Insurance (IDOI), Wright Flood is introducing admitted private flood insurance to Illinois homeowners.

Wright Residential Private Flood Insurance can be purchased to protect homes against the risk of Illinois flooding since most property policies do not cover the peril of flood. It will be sold exclusively by Wright’s partner agents beginning April 4, 2023, and it is filed and approved by the Illinois Department of Insurance.

It also has the financial security of Zurich’s AM Besti A+ (Superior) XV rating. Wright’s ResiFlood product is offered in 12 states, with expansion plans to introduce admitted private flood to homeowners in additional states across the county.

Due to advanced technology, risk selection and model-based rating methods, the ResiFlood program can pinpoint risk locations house by house to deliver a highly flexible coverage offering. Other key features of this first-of-its-kind, stand-alone flood insurance include:

  • Zurich policy is an admitted form approved by the IDOI
  • No waiting period
  • No elevation certificate required
  • Higher dwelling limits (up to $1 million)
  • Single deductible
  • Automatic replacement cost on both dwelling and personal property
  • Loss of Use and Building Ordinance coverages

“Increased frequency of flooding events is becoming a dangerous trend across the Midwest,” said James R. Watje, senior vice president of private flood at Wright National Flood Insurance Services. “That’s especially true in Illinois, where the frequency and intensity of these heavy rain events are also increasing. Additionally, there is a river flooding and snowmelt risk in these regions. When temperatures increase in the spring, the potential for flooding rises exponentially.”

“Many homeowners policies don’t cover flooding,” Watje said. “We are offering flood coverage that is not one-size-fits-all. Each home we cover is as unique as the people living in it. Considering that flooding events have impacted 99 percent of counties in the United States, it’s vitally important to be prepared.”

To learn more about private flood insurance, find a Wright agent or become a Wright partner agency, visit

(Source: PR Newswire/Wright National Flood Insurance Services, LLC)

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