Excess Flood Insurance in Naples, Florida

When a primary flood policy’s limits do not align with a property’s needs, excess flood coverage may be worth discussing. GALT helps property owners review how available layers could fit together.

What we’ll review together

• Primary flood limits and policy terms
• Building and contents values
• Excess limits, attachment points, and exclusions
• Effective dates and consistency between policies

Before we talk

Bring your primary flood policy, property values, lender requirements, and any elevation information available.

Common questions

Does excess flood replace the primary policy?

It is designed to sit above specified primary coverage. Confirm which primary insurance must remain in force.

Will both policies cover the same things?

Not necessarily. Have your advisor review differences in definitions, exclusions, settlement terms, and covered property.