HAML Insurance — Flood Insurance Intake

Applicant Info

Step 1 of 8

Applicant Information

Tell us about the person or entity that will be named on the flood insurance policy.

Applicant Type *

Individual

Entity / Business

First Name *

Please enter a first name.

Last Name *

Please enter a last name.

Is there a secondary insured? Add a spouse, co-owner, or additional named insured

Secondary First Name

Secondary Last Name

Email Address *

Please enter a valid email address.

Phone Number *

Please enter a phone number.

I acknowledge that the information I provide will be kept confidential and used only to prepare a flood insurance quote through HAML Insurance.

Property Address

Enter the address of the property to be insured. This must be a physical address — not a PO Box.

Street Address *

Please enter a street address.

Unit / Apt (optional)

ZIP Code *

Please enter a ZIP code.

City *

Please enter a city.

State *

Please select a state.

Building Type

Select the type of building to be insured. This determines which NFIP coverage options are available.

🏠

Home

1–4 family residential building

🏡

Mobile Home

Manufactured / mobile home

🏢

Unit

Condo or co-op unit

🏗️

Residential Building

5+ occupancies / RCBAP

🏭

Non-Residential

Commercial, office, or detached structure

Please select a building type.

Property Details

Provide specifics about the building's construction and use.

Square Footage *

Please enter square footage.

Year Built *

Please enter year built.

Occupancy Type *

Please select an occupancy type.

Construction Type *

Please select a construction type.

Number of Floors *

Please select number of floors.

Building Usage *

Please select building usage.

Foundation Type *

Please select a foundation type.

Estimated Replacement Cost *

Cost to rebuild the structure at current labor and material rates — not market value.

Please enter estimated replacement cost.

Coverage & Timing

Select the policy effective date, waiting period, and your desired coverage amounts.

Waiting Period *

Please select a waiting period.

Desired Effective Date *

Please select an effective date.

Coverage Preferences

Building Coverage *

Residential max $250,000 · Non-residential max $500,000

Please enter a building coverage amount.

Contents Coverage

Residential max $100,000 · Non-residential max $500,000

Building Deductible

Contents Deductible

Is there a mortgagee / lender? Required if flood insurance is a condition of your mortgage

Bank / Lender Name *

Loan Number

Lender Address

We'll use this to arrange the mortgagee clause on the policy.

Construction Details

Additional information about the building's construction status and features.

Has the building been substantially improved or substantially damaged since 1978? Improvements or damage exceeding 50% of pre-improvement market value

Is the building currently under construction?

Is the policyholder a non-profit entity?

Is the building over or partially over water?

Number of Elevators in Building

Does the building contain machinery or equipment that services the building? HVAC, electrical panels, water heaters, etc.

Is all machinery and equipment elevated to the height of the attic, second floor, or higher?

Discounts & Certificates

You may qualify for premium discounts based on occupancy, purchase timing, or an Elevation Certificate.

Will the applicant or their spouse live in this building more than 50% of the year?

Is this a new real estate purchase within the last 12 months?

Do you have legal documentation of the property transfer? May qualify for prior policy discount

Prior Policy Number

Prior Company NAIC Code

Do you have an Elevation Certificate for this property? An EC can significantly lower your premium

Elevation Certificate Details

Section of EC Completed

Certificate Signature Date

Diagram Number

Floor Elevations (from Elevation Certificate)

Top of Bottom Floor Elevation

Basement, crawlspace, or enclosure floor

Measure

Top of Next Higher Floor Elevation

Measure

Is machinery/equipment elevated to or above the Base Flood Elevation (BFE)?

Additional Notes (optional)

Review & Submit

Please review your information before submitting. Your HAML advisor will follow up within 1 business day.

Applicant Information Edit

Property Address Edit

Building Type & Details Edit

Coverage & Timing Edit

Construction Details Edit

Discounts & Certificates Edit

I confirm that the information provided is accurate and complete to the best of my knowledge. I authorise HAML Insurance to use this information to obtain a flood insurance quote on my behalf.

✓

Form Submitted!

Thank you — your flood insurance intake has been received. Your HAML advisor will review your information and be in touch within 1 business day.

Questions? Call (828) 818-4265 or email connect@haml.insure

About This Form

This intake form collects the information needed to prepare your National Flood Insurance Program (NFIP) quote. All fields marked * are required.

Privacy: Your information is kept confidential and used only to process your insurance inquiry.

NFIP policies are underwritten by FEMA and issued through participating agents like HAML Insurance.

⏱ NFIP policies typically have a 30-day waiting period before coverage begins. Exceptions apply for loan closings.

Property Address

This must be the physical location of the property to be insured — not a mailing address or PO Box.

Tip: Use the exact street address as it appears on your property deed or tax records.

We verify the address against FEMA's flood map database to determine your flood zone and base flood elevation.

Building Types

Home — single family, duplex, triplex, or 4-plex
Mobile Home — manufactured home on a permanent or temporary foundation
Unit — individual condo or co-op unit within a larger building
Residential Building — apartment buildings with 5+ units; also used for RCBAP (condo association) coverage
Non-Residential — office, retail, warehouse, church, or detached garage/shed

Property Details

These fields determine your rating and coverage eligibility.

Foundation Type is particularly important — homes with basements or crawlspaces in flood zones have different ratings than elevated homes.

Estimated Replacement Cost is the cost to rebuild the structure from scratch at today's prices — not the market value or purchase price.

Post-FIRM buildings (built after the community's first flood map) generally receive better rates than Pre-FIRM buildings.

Coverage Amounts

NFIP Building Coverage limits:

Single family home: up to $250,000
Non-residential: up to $500,000
RCBAP (condo association): up to $500,000

NFIP Contents Coverage limits:

Residential: up to $100,000
Non-residential: up to $500,000

Waiting Period: A loan closing exception waives the 30-day wait if flood insurance is required as a condition of your mortgage.

Construction Details

Substantial Improvement: If a building was significantly renovated after the community's first flood map date, it may be rated as a newer Post-FIRM structure — often resulting in better rates.

Machinery elevation is a rating factor. Equipment elevated above the first floor may qualify for a lower premium.

Buildings over water require special NFIP underwriting consideration.

Discounts & Certificates

Several discounts can lower your NFIP premium:

Primary residence discount — if you or your spouse lives there 50%+ of the year
New purchase discount — properties purchased within the last year may qualify for preferred rates
Prior policy transfer — avoid any lapse in coverage and maintain continuous NFIP history

Elevation Certificate: An EC prepared by a licensed surveyor can often reduce your premium significantly — sometimes by hundreds of dollars per year.

What Happens Next?

After you submit, your HAML advisor will:

Review your information for completeness
Run your property against FEMA flood maps
Prepare your NFIP quote in the Direct portal
Contact you within 1 business day

Questions? Call us at (828) 818-4265 or email connect@haml.insure

⚠️ Submitting this form does not bind coverage. Coverage only begins after a policy is issued and premium is paid.